CAN MY CHILDREN
AFFORD A HOME
IN 20 YEARS?
CAN MY CHILDREN
AFFORD A HOME?
As a parent and home owner,
I often worry for my children,
perhaps just like you too.
As a parent and home owner, I often worry for my children, perhaps just like you too.
Hi! My name is Serbina Goh.
Looking at the housing trend of the past 30 years in Singapore, I can tell you one thing:
Hi! My name is Serbina Goh.
Looking at the housing trend of the past 30 years in Singapore, I can tell you one thing:
Here’s why.
In the recent Bidadari BTO exercise, a 4-room HDB was priced at $550,000.
Looking at annual inflation rates, simply add $30,000 to the BTO price, for every year that has passed.
In 20 years’ time when your child is looking to get a BTO, the price is projected to increase by $30,000 x 20 = $600,000!
That’s a BTO price of $1,150,000!!!
...
Let that sink in for a moment.
...
Do you think your child could afford a home in the future?
If you'd like to plan for your family's future and for a stress-free home, please click for my Whatsapp below.
I may be able to help.
Kids aside, what about today's issues?
Kids aside, what
about today's issues?
Many home owners mistakenly think that they’re ‘debt-free’...
Many home owners mistakenly think that they’re
‘debt-free’...
Today, there's a problem that's becoming more common.
And it will most likely affect you too.
More and more home owners are losing money because of Negative Sales.
What’s A Negative Sale?
A Negative Sale happens when you sell your flat, but you get zero profit.
Or worse - you end up with a loss.
(due to balance loan, resale levy, or interest)
Here’s how it works:
Let’s say you bought a Toa Payoh 4-room resale flat today for $450,000 and fully paid it off with CPF (for the sake of this example).
In 10 years’ time, the price might have risen to $500,000.
Here’s how it works:
Let’s say you bought a
Toa Payoh 4-room resale flat today for $450,000 and
fully paid it off with CPF
(for the sake of this example).
In 10 years’ time, the price
might have risen to $500,000.
Ho Seh!
You made a ‘profit’ of $50,000!
Ho Seh!
You made a ‘profit’ of $50,000!
But wait… not so fast.
You’ll also need to return an additional $126,038 to CPF.
(This is on top of your original purchase price of $550,000.)
In total, you’ll have to pay back $576,038.
So… your ‘profit’ is actually
NEGATIVE $76,038.
HUH... Why ah?
HUH... Why ah?
You see, there is something called accrued interest when you use your CPF to pay for your HDB flat.
Every year, you’re supposed to earn 2.5% interest, which is compounded each year onto your total CPF funds.
The first year, your accrued interest up to $11,250.
The second year, it is $22,781.
By the tenth year, you will end up with $126,038.
Ultimately, your flat may increase in value, but still end up with a NEGATIVE SALE.
Ultimately,
your flat may
increase in value, but still end up in a
NEGATIVE SALE.
This is getting VERY COMMON, especially if your HDB was bought during a peak period.
Many home owners feel that they have no choice but to sell and lose money.
If your house ‘kena’ NEGATIVE SALE... what can you do?
If your house
‘kena’
NEGATIVE SALE,
what can you do?
I may be able to help.
Many people think that they are free from debt after using their CPF to pay for their home… but in fact, it’s eating into their cash proceeds.
With your permission, I would like to help by sharing important information with you in person (click below).
What Home Owners Are Saying:
Shane & Crystal
We wished we had met her earlier...
“Serbina spent the time to understand our family needs and potential risks and opportunities and gave us advice on how we can appreciate our assets to ultimately own our dream home.
We wished we had met her before we bought our first resale flat as we entered the property market at the wrong time and resulted in significant losses.”
BC & Mandy
Kinda skeptical about it...
“We thought we could do on our own by looking at PropertyGuru and doing all the financial calculations ourselves.
It took us two years until I chanced upon a Facebook link. Kinda skeptical about it at first but gave ourselves a chance to hear her out.
She is now the default agent to go to whenever my friends ask for recommendation!”
Most Singaporeans are not aware that they can use their property as an income-generating asset for their family.
Most of us are not aware that we can use our property as
income-generating assets for our family.
Here’s how I can help you make this happen:
Here’s how I can
help:
Most of us are not aware that we can use our property as
income-generating assets for our family.
Most of us are not aware that we can use
our property as income-generating assets
for our family.
Most Singaporeans are
not aware that they can
use their property as
income-generating assets
for their family.
Here’s how I can help you make this happen:
Here’s how I can
help:
If you'd like to plan for your family's future and for a stress-free home, please click for my Whatsapp below.
I may be able to help.
If you'd like to plan for
your family's future and|
for a stress-free home,
please click for my
Whatsapp below.
I may be able to help.
Thanks for reading this far!
I’m Serbina Goh and I’m passionate about real estate because it can really help families gain extra sources of income.
In fact, many home owners have retired happily with two or more fully paid properties, and are enjoying passive income every month.
Not bad right?
I want to help you do the same too, with your consent.
Lastly, I have some bad news, but also good news for you.
Lastly, I have some bad news, but also good news for you.
The bad news is that the property in Singapore can be unforgiving.
Many home owners don’t know about their REAL SITUATION.
That's why they ended up suffering from big losses.
Big losses that could have been avoided.
(if they had the right knowledge and strategy)
The bad news is that the property in Singapore can be unforgiving.
Many home owners
don’t know about their
REAL SITUATION.
That's why they ended up suffering from big losses.
Big losses that could have been avoided.
(If they had the right knowledge and strategy.)
Here’s the good news:
Here’s the
good news:
You can take care of your current and future wealth.
You can also prevent losing money to negative sales, interest loss, and other property issues.
Your family can even upgrade to a private property without spending a cent from your savings...
If you had the right knowledge and strategy.
You can take care of your current and future wealth.
You can also prevent losing money to negative sales, interest loss, and other property issues.
Your family can even upgrade to a private property without spending a cent from your savings...
If you had the right knowledge and strategy.
It’s the difference between your family living in a condominium comfortably, compared to paying back $576,038 to your CPF.
Let me share this knowledge and strategy with you.