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Should I pay off my HDB using my CPF or Cash?

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Should I pay off my HDB using my CPF or Cash?

Register below to grab a FREE home report and secure a FREE consultation appointment today!

The problem that I often hear from HDB owners is that they wanted to pay off their HDB as they see that home loan is a bad debt rather than a good debt. And often than not, as their top priority, they choose CPF over cash to pay off their HDB, to gain financial freedom.

The truth is Paying off HDB using CPF does NOT mean you are financially free!

Why? Any CPF amount withdrawn is subject to accrued interest! This means you are still paying your own CPF interest.
This interest stops compounding only when all the CPF amount with accrued interest has been returned.

So, how can we make our HDB and money work harder for us to achieve financial freedom!?

I can help to understand this by using my curated R.A.M. analysis.

Click on the link below, so that we can have an opportunity to have a one-on-one discussion. I can share with you on HOW you can achieve financial freedom systematically with my R.A.M. analysis, ESPECIALLY if you are the first time home owner!

Hope to see you soon!

Register below to grab a FREE home report and secure a FREE consultation appointment today!

#SunnyLandSG

#FinancialFreedom

#HDBFinancing

#GoodDebtVsBadDebt

If you need further real estate solutions, let’s get in touch:

 

    In accordance with DNC and PDPA regulations, by submitting this form you are also giving us consent to contact you via phone (call/SMS/WhatsApp) and email with the information you have provided above.

    Sunny L R059950Z is a licensed agent with PropNex Realty (L3008022J). Contact Sunny L @ (65) 8753 1066. No part of this site may be reused or reproduced for any purpose whatsoever without my prior written consent. Disclaimers: The case studies used here are for educational use only and we make no representations or warranties with respect to the accuracy and applicability or completeness of its content. Any forward-looking statements outlined in this landing page are simply our opinions, estimates, expectations or forecasts for future potential and thus are not guarantees that you will achieve any results. All profile representations and results may vary on a case-by-case basis.

    3 MUST Know Key Demands to Determine whether 1-Bedroom Worth to Buy Today!

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    3 MUST Know Key Demands to Determine whether 1-Bedroom Worth to Buy Today!

    Recently, there’s another great sale record for new launch condo with > 90% of the 1-bedroom units SOLD.

    Check out this video to understand 3 KEY Demands to the 1-Bedroom units in today’s market!

    PM to learn the 3 KEY Pitfalls to avoid, ESPECIALLY if you are the first time home owner, when making your home purchase today!

    #SunnyLandSG

    #3KeyDemands

    #1Bedroom

     

    Click on “Learn More” to grab a FREE home report and secure a FREE consultation appointment today!

    Limited to the FIRST 50 sign-ups!

    If you need further real estate solutions, let’s get in touch:

     

      In accordance with DNC and PDPA regulations, by submitting this form you are also giving us consent to contact you via phone (call/SMS/WhatsApp) and email with the information you have provided above.

      Sunny L R059950Z is a licensed agent with PropNex Realty (L3008022J). Contact Sunny L @ (65) 8753 1066. No part of this site may be reused or reproduced for any purpose whatsoever without my prior written consent. Disclaimers: The case studies used here are for educational use only and we make no representations or warranties with respect to the accuracy and applicability or completeness of its content. Any forward-looking statements outlined in this landing page are simply our opinions, estimates, expectations or forecasts for future potential and thus are not guarantees that you will achieve any results. All profile representations and results may vary on a case-by-case basis.

      Is All HDB a Growing Asset to Hold?

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      Dear HDB Owners

      Are you aware that your HDB homes prices may NOT be a growing Asset to keep?

       

      In fact, many HDB owners whom I have talked to, are not aware that their properties are not growing in value after holding longer from MOP. Some have shared that their values have actually dropped from previous high.

       

      WHY you should know about your property performance?

      1. Not all property prices may NOT always be growing as observed from the recent research data
      2. You could suffer loss of opportunity during the period of holding, in the hope of increasing price
      3. The Rich get richer through re-investing using a systematic approach

       

      Complete your details below to grab a FREE home report and secure a FREE consultation appointment today!

      If you need further real estate solutions, Let’s Get In touch!

        In accordance with DNC and PDPA regulations, by submitting this form you are also giving us consent to contact you via phone (call/SMS/WhatsApp) and email with the information you have provided above.

        Sunny L R059950Z is a licensed agent with PropNex Realty (L3008022J). Contact Sunny L @ (65) 8753 1066. No part of this site may be reused or reproduced for any purpose whatsoever without my prior written consent. Disclaimers: The case studies used here are for educational use only and we make no representations or warranties with respect to the accuracy and applicability or completeness of its content. Any forward-looking statements outlined in this landing page are simply our opinions, estimates, expectations or forecasts for future potential and thus are not guarantees that you will achieve any results. All profile representations and results may vary on a case-by-case basis.

        Facing STAGNANT Property Prices?

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        Are you aware that your property prices may have been STAGNANT for many year?

        In fact, many property owners whom I have talked to, are not aware that their properties are not growing in value, since their purchase. Some have shared that their values have actually dropped.

        WHY you should know about your property performance?

        1. Not all property prices may not always be growing as observed from the recent research data
        2. You could suffer loss of opportunity during the period of stagnant, which could amount to hundreds of thousand dollars
        3. The Rich get richer through re-investing using a systematic approach

        Click on “Learn More” to grab a FREE home report and secure a FREE consultation appointment today!

        Limited to the FIRST 50 sign-ups!

        If you need further real estate solutions, let’s get in touch:

          In accordance with DNC and PDPA regulations, by submitting this form you are also giving us consent to contact you via phone (call/SMS/WhatsApp) and email with the information you have provided above.

          Sunny L R059950Z is a licensed agent with PropNex Realty (L3008022J). Contact Sunny L @ (65) 8753 1066. No part of this site may be reused or reproduced for any purpose whatsoever without my prior written consent. Disclaimers: The case studies used here are for educational use only and we make no representations or warranties with respect to the accuracy and applicability or completeness of its content. Any forward-looking statements outlined in this landing page are simply our opinions, estimates, expectations or forecasts for future potential and thus are not guarantees that you will achieve any results. All profile representations and results may vary on a case-by-case basis.

          Reaching MOP!?

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          Congratulations! Your HDB has finally reached it’s Minimum Occupancy Period… But what’s next?

          Dear HDB Homeowner, The Real Estate Market in Singapore is very high priced and extremely expensive to get into… But one thing that we all know for sure, we have seen the obvious decrease in pricing for HDB resale flats over time. It is becoming very clear that the HDBs are a depreciating asset. Don’t get me wrong, I’m not saying that ALL HDBs are liabilities and will not hold value.. But from the price indices of HDB resale flats and data of HDB prices, holding a HDB for a long period of time may no longer be the best option in Singapore. Which is why more and more HDB homeowners, after their MOP periods, are selling off their HDBs and moving into a private property. But.. Not everyone can do that!

          PM for a coffee chat today to understand what are the opportunities and risks you have before making your next move!

          Let’s Get in Touch!

            In accordance with DNC and PDPA regulations, by submitting this form you are also giving us consent to contact you via phone (call/SMS/WhatsApp) and email with the information you have provided above.

            Sunny L R059950Z is a licensed agent with PropNex Realty (L3008022J). Contact Sunny L @ (65) 8753 1066. No part of this site may be reused or reproduced for any purpose whatsoever without my prior written consent. Disclaimers: The case studies used here are for educational use only and we make no representations or warranties with respect to the accuracy and applicability or completeness of its content. Any forward-looking statements outlined in this landing page are simply our opinions, estimates, expectations or forecasts for future potential and thus are not guarantees that you will achieve any results. All profile representations and results may vary on a case-by-case basis.

            Do you need full cash for Singapore Home purchase?

            🔴 Do you know that you do NOT have to pay everything in CASH for your HOME purchase⁉️
            🤔 What are the breakdowns for home ownership ⁉️
            🤔 How to kick-start your home purchase⁉️
             
            #SunnyLandSG
             

            🔴 Do you know that you do NOT have to pay everything in CASH for your HOME purchase⁉️🤔 What are the breakdowns for home ownership ⁉️🤔 How to kick-start your home purchase⁉️Check out this important video below ❗PM for detailed consultation today📲👍🏻

            Posted by Sunnylandsg - Property Consultancy on Thursday, October 15, 2020

            If you need further real estate solutions, let’s get in touch:

              In accordance with DNC and PDPA regulations, by submitting this form you are also giving us consent to contact you via phone (call/SMS/WhatsApp) and email with the information you have provided above.

              Sunny L R059950Z is a licensed agent with PropNex Realty (L3008022J). Contact Sunny L @ (65) 8753 1066. No part of this site may be reused or reproduced for any purpose whatsoever without my prior written consent. Disclaimers: The case studies used here are for educational use only and we make no representations or warranties with respect to the accuracy and applicability or completeness of its content. Any forward-looking statements outlined in this landing page are simply our opinions, estimates, expectations or forecasts for future potential and thus are not guarantees that you will achieve any results. All profile representations and results may vary on a case-by-case basis.

              Lunchtime with Sunny: HDB Home Ownership

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              Lunchtime with Sunny 🌞
              Understanding SG properties insights 👍🏻
              Will it be possible to own a HDB home after owning a private home?
               

              https://www.facebook.com/sunnylandsg.property.consultant/videos/881792972307288/

              If you need further real estate solutions, let’s get in touch:

                In accordance with DNC and PDPA regulations, by submitting this form you are also giving us consent to contact you via phone (call/SMS/WhatsApp) and email with the information you have provided above.

                Sunny L R059950Z is a licensed agent with PropNex Realty (L3008022J). Contact Sunny L @ (65) 8753 1066. No part of this site may be reused or reproduced for any purpose whatsoever without my prior written consent. Disclaimers: The case studies used here are for educational use only and we make no representations or warranties with respect to the accuracy and applicability or completeness of its content. Any forward-looking statements outlined in this landing page are simply our opinions, estimates, expectations or forecasts for future potential and thus are not guarantees that you will achieve any results. All profile representations and results may vary on a case-by-case basis.

                Open House: Tampines 863 EM

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                HOME TOUR 863 Tampines

                Virtual Home Tour Today!Blk 863 Tampines Street 83 – Executive, Model Maisonette for Sale* 146 Sqm – all races are eligible to buy !* Spacious Bright bedrooms, study room and kitchen* Many Good schools within 1 KM away ( Poi Ching School, St. Hilda's Pri and Sec School, Springfield Sec School, Junyuan Pri and Sec School)* Walking distance to Tampines MRT Interchange (1101m away)* Take a stroll to Sun Plaza Park and Tampines Eco Green* Many Amenities and many eateries operating 24 Hours within walking distance, Our Tampines Hub, Malls* Preschool within walking distance* Serious Seller* Minutes' drive to Changi International Airport, Loyang and Changi Industrial/Business ParksOne call, View all!See it, feel it and fall in love with it.Call (65) 8753-1066 NOW for a exclusive viewing appointment!#Tampines

                Posted by Sunnylandsg – Property Consultancy on Sunday, June 14, 2020

                If you have any enquires, let’s get in touch via:

                  In accordance with DNC and PDPA regulations, by submitting this form you are also giving us consent to contact you via phone (call/SMS/WhatsApp) and email with the information you have provided above.

                  Sunny L R059950Z is a licensed agent with PropNex Realty (L3008022J). Contact Sunny L @ (65) 8753 1066. No part of this site may be reused or reproduced for any purpose whatsoever without my prior written consent. Disclaimers: The case studies used here are for educational use only and we make no representations or warranties with respect to the accuracy and applicability or completeness of its content. Any forward-looking statements outlined in this landing page are simply our opinions, estimates, expectations or forecasts for future potential and thus are not guarantees that you will achieve any results. All profile representations and results may vary on a case-by-case basis.
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