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Good morning,

What kind of financial advice are you looking at? I will be able to assist you with draft of financial calculation first.

Hope to be of assistance to both of you.

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
Vice President (Agency)
R043025D
Property Avenue Pte Ltd
Estate Agent no. L3010650D
Blk 420 North Bridge Road #03-30 North Bridge Centre S188727

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com
(W): www.propertyavenue.com.sg Read More

Hi,

May I have more details so to do a detailed analysis for you on whether the numbers make sense to upgrade? Thanks and hope to value-add to your investment plans further. How should I get in touch?

Warm regards
Ivan ERA
 97432395 
Ivanng10@gmail.com
Website: http://www.ivanng10.com/#!reviews/c11r1
(Client's Testimonials) Read More

Dear owner,

There will be a fair bit on intangible values involved in these 2 considerations.

1) HDB has traditionally given landlords good rental returns, especially when your unit is fully paid up and there is little reason to disrupt this mini cash cow.

2) Many buyers deem that it is the right time to enter the cooled private condo segment, also considering the probable rise in interest rates therefore it is good to lock in the still low interest rates now while you can.

With the above, another important considerations will also be your financial profile carrying out option 2. What is the outlay you intend to put into the purchase and how will it strain you financially to carry out option 2 since it will be a loan that you need to service instead of rental income that is coming in monthly from the tenant. This could lead to a change in your family lifestyle.

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Regards,

Geryl LIM
Real Estate Director
Masters Of Real Estate
M.O.R.E Property Pte Ltd (L3010548F)
CEA Reg R014783H
Mobile: +65-81577565  /+65-92787772
Email: geryl7772@gmail.com

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Morning,

Given your statement, I would assum that you have an existing roof over your head, other than the HDB at hand. Rental can generate passive income and holding onto the HDB unit might also means capital appreciation. By selling it off to upgrade will depend on your income status and longer term plans that you might have in mind.

Do contact me further for non-obligatory discussion.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More

Hi,

If you're looking for assistance on financial cash flow projection on amalgamating cash proceeds from the sales of your flat to establish profit margin and breakdown & timeline of payments for your intended purchase, then feel free to get in touch with me and I will be glad to render the calculations and consultation at no obligation and no cost.

Based on the comprehensive financial analysis and statements from our discussion, I will be best able to advise you on your potentially profitable next course of action.

Visit my website to view all my recent accolades - esteemed awards and testimonials to gather more information on me: www.kumarrai.com

D Kumar
 +65 96659926 
ERA Associate Division Director
www.kumarrai.com

#1 team of ERA in Singapore, Asia Pacific International for 2014.

About Me-
ERA Top Achievers 2013/14
ERA Multi-Million Dollar Club Award
2014 ERA Asia-Pacific Business Conference Elite Award

P Group-
2015 February ERA Top Achievers
2014 Aug/Sept/3rd quarter/Dec/ overall 2014 ERA Top Achievers Read More

Hi,

I'll be able to do a financial calculation for you. Looking at the information you have given, I would say this is a good time to look at your property portfolio carefully and plan your next step in a logical manner (i.e. in terms of numbers and sums). Your HDB would like have given you good returns and if you have used you CPF for the purchase, there are few important things to note even though your loan has been fully paid up.

I have been sharing with many homeowners how they can still benefit from the current market situation. And would you like to find out how you can purchase your next property without having to touch your savings yet you can still increase your savings via your current property? Find out how you can make your money work harder for you yet with calculated risk.

Do give me a call so I can share more with you. No obligations as there are vital information that homeowners need to know when planning the next step. No charges, just need coffee :)

Vera Wang
H/P No.: 8777 7907  Read More