HDB Resale

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?

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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 Any CPF amount withdrawn is subject to accrued interest!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.

    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.

      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.

        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

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            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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