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Dear HDB Owners,

MANY HAVE UPGRADED TO A CONDO WITHOUT PAYING EXTRA CASH FROM THEIR OWN POCKET!!!

Many HDB Owners have a lot of worries when it comes to UPGRADING.

But with in-depth financial planning and my simple yet effective step-by-step Home Progression Strategy,

YOU CAN POTENTIALLY...

1. Upgrade to a condominium WITH ZERO CASH TOP UP
2. Own 2 properties and create PASSIVE INCOME

+ gain a SPARE FUND of up to $250k for "rainy days"

As a real estate consultant for years in the industry, I realised that many home owners do not use their assets as a solid tool for retirement.

Today, let me ask you, can you see yourself owning at least 2 property when you retire?

Do you know when home owners retire with two properties, they can have options like:

1. Sell both properties to fully paid a HDB and keep the extra cash

2. Keep one property and sell the 2nd property for extra cash

3. Keep two properties for rental income and rent another property for own stay

If the above is something you want to achieve...

Will you want to know more?

This is only applicable for Home Owners that...

*Note: You will need to fulfil your Minimum Occupation Period of 5 years before I can advise you accordingly. This is because any strategy that I show you now is not applicable and might be irrelevant as policies may change in the future.*

If you have met your Minimum Occupation Period of 5 years...

LET'S MEET FOR A FREE DISCUSSION TODAY!

Through this sharing, you'll know the safety net strategy that can also grow your wealth.

Let's meet for a NON-OBLIGATORY
& FREE sharing session today!

Or




    Let’s look at Mr and Mrs Ang's case as an example...

    They were 38-year-old owners of a $450k HDB flat who wanted to upgrade but was unsure of what property would be the most suitable choice for them.

    After I showed them a detailed home progression strategy with meticulous financial calculations...

    They upgraded to a 1.3 million condominium WITHOUT paying extra cash from their own pocket and also gained a balance fund of $250,000!!!

    This balance fund can comfortably finance their condo for 8 years without stress!

    Furthermore, they now have an asset progression plan and are looking forward to grow their wealth in a safe yet effective manner.

    YOU CAN BE LIKE THEM TOO!

    Let's meet for a NON-OBLIGATORY & FREE sharing session today!

    SHOULD I UPGRADE IF I HAVE

    ALMOST FULLY PAID OFF MY HDB?

    Like most HDB Owners today, you could be servicing your HDB loan using your CPF.

    And you might be thinking that it is best to use your CPF funds to lower your monthly instalments to lessen your monthly burdens.

    However, without the right CPF usage strategy , you could be affecting your financial future in the next 5 to 10 years!

    LOCKING AWAY A HUGE PORTION OF YOUR CPF FUNDS
    IN YOUR HDB IS DEPLETING YOUR WEALTH!

    WHAT DO I MEAN BY THAT?

    Let's assume you have $200,000 worth of CPF funds.

    Every year you earn a CPF interest rate of 2.5% and one day you decide to use this CPF fund of $200,000 to pay for your house.

    This means that...
    • You will STOP earning interest from your CPF of $200,000
    • You will have to pay back the $200,000 PLUS the interest that you were supposed to earn.

    According to a CPF interest rate of 2.5%, $200,000 will be worth about $328,000 in 20 years.

    TOTAL INTEREST LOSS = $128,000!!!

    WHAT DO I MEAN BY THAT?

    Let's assume you have $200,000 worth of CPF funds.

    Every year you earn a CPF interest rate of 2.5% and one day you decide to use this CPF fund of $200,000 to pay for your house.

    This means that...
    • You will STOP earning interest from your CPF of $200,000
    • You will have to pay back the $200,000 PLUS the interest that you were supposed to earn.

    According to a CPF interest rate of 2.5%, $200,000 will be worth about $328,000 in 20 years.

    TOTAL INTEREST LOSS = $128,000!!!

    SO HOW CAN YOU STOP THIS
    FROM HAPPENING TO YOU?

    Let's meet for a NON-OBLIGATORY & FREE sharing session today!

    HDB OWNERS! A GREAT OPPORTUNITY IS HERE RIGHT NOW!

    Many assume that certain types of property are beyond their reach due to their current income.

    They are limiting themselves unknowingly; for there are different ways to overcome every obstacle.

    Do you want to miss your chance and regret when you look back on your lives 5 to 10 years down the road?

    WITH A STEP-BY-STEP ACTION PLAN AND THE TRIED AND
    TESTED HOME PROGRESSION STRATEGIES, YOU CAN:

    Build an extra stream of income without risking your hard-earned money on unpredictable investments?

    Generate passive income consistently every month with little effort and time by having a systematic plan?

    Achieve your financial life goals sooner with a simple step by step progression strategy that is easy to follow?

    Select high upside potential property which is undervalued so that you can lower your risk and profit with my "buy low sell high" method?

    Having doubts?

    LET ME CLARIFY ALL YOUR DOUBTS
    DURING OUR 1 TO 1 DISCUSSION!

    After all, the discussions are completely free and non-obligatory.

    Nobody wants to have regrets when they look back on their lives 5 to 10 years down the road. Seize the opportunity and you can achieve your life goals by having the right property or properties!

    Let's meet for a NON-OBLIGATORY & FREE sharing session TODAY!

    DURING THE NON-OBLIGATORY & FREE CONSULTATION, I WILL ALSO GIVE YOU:

    • A simple “calculation” method to recognise your financial standing
    • A 4-step process to do in-depth financial calculations which will include additional costs like legal fees, cash outlay, stamp duty, etc
    • The 3 ways to analyse the available options in the property market and determine the best possible choice that is suitable for you
    • A SIMPLE yet EFFECTIVE CPF Usage plan - with 4 PRECISE steps to accumulate wealth earlier
    • A far-sighted “roadmap” that will allow you to retire comfortably

    Clients' Testimonial

    We came to know Clement via his FB page. As the parents of two, just like any other Singaporeans, we are looking for enlightenment and advice on how can we raise our kids, have more savings and ultimately, to have a retirement plan without high risks.

    We were looking at upgrading from a 4-bedroom to 5-bedroom HDB. After understanding, evaluating and analysing our income, financial situation, etc. Clement met up with us. He worked out a comprehensive and detailed plan and shared his advice from various perspectives. Instead of upgrading to yet another HDB with its potential depreciation value due to multiple factors, he advised us to explore Executive Condo which is about to TOP or already been TOP recently based on factual findings and rationale to justify the WHYs and HOWs. We have never been so convinced by a ‘Salesman’ and time was the essence. After two rounds of meeting and just four days down the road, we bought our EC. Never did we thought of that, but we never look back.

    Today, we are proud to say that we have made the right decision just before another high surge of EC price. After an approximate four months, we collected our keys last Thursday. Everything went extremely smooth to us which we are super grateful for. Of course, this cannot be achieved without Clement’s assistance during the transition period. It was a dream comes true moment when we stood on the balcony and admired the beauty of the private estate with our kids on the key collection day.

    Worth to mention is that we also authorised PropNex and Clement to be our agent to sell our 4-bedroom HDB. Why not, right? He had the best clarity of both properties and was able to work out the best based on the timeline, handover, financial transaction, legal procedures, to name a few. And, we sold our HDB in less than 2 weeks.

    If one is looking to build wealth and assets systematically via property investment, we highly recommend Clement to you. In fact, we recommend him to all our friends and families. Our experience with him has been really great and comfortable. Clement is knowledgeable, helpful and humble all the time. Most importantly, he is very sincere and genuine. Any questions to him will never get unanswered.

    Will we be looking for Clement if we intend to buy another property in future?  He will be our first and absolute advisor to go to.

    Clement, thanks for everything. Bring on the great spirits and fantastic work!

    LT & JC

    We came home and saw Mr Clement Chew’s flyers in front of our door, interestingly, indicating how we can leverage the profits from the sale of our HDB to upgrade to an EC/Condo, and have spare cash on hand. At that time, our BTO flat had just met the MOP and we were curious to know how this works, so, we eventually met up with Mr Clement for a professional advice.

    Clement presented us with a few good options, including detailed financial calculations based on our affordability and we were extremely delighted to realise that we could actually upgrade comfortably to an EC after selling our current BTO flat. The whole process was rather straightforward, however, in between, we did face difficulties in selling our unit due to ethnic restrictions. Clement overcame this obstacle with a breeze, and within the shortest period of time, he managed to secure an eligible buyer for us.

    The journey from day one of marketing our house, to selecting our preferred unit, was in fact, a very pleasant one. Clement was there throughout assisting us, making sure everything was in place, and we are now proud owners of a 3-bedder EC by a reputable developer.

    This was made possible by Clement’s commendable knowledge of the property market, and also his extensive team of dedicated professionals. We can’t thank you enough, Clement!

    Asrina & Wan

    Prior to meeting Clement, we were staying in a 5 room flat and very interested to buy a condo and upgrade our lifestyle but we are not sure how to go about it as we are bothered by the 2nd loan which is below 80% and also the 7% ABSD issue for the 2nd purchase. 

    We remember vividly that Clement mention that we should take action fast before housing rules changes and market turns against us. After gathering our financial figures, he explained to us the financial commitments and also the process to purchase the 2nd property with 80% loan and savings on taxes.

    Clement identify several condominiums which fits our criteria and expectations and run us through the financing aspects and also negotiated the deal and got the best price for us, something which we can afford without stretching our pockets.

    We are delighted to have clement to explain to us about generating passive income from properties and also creating a legacy for our 4 children. True enough, our monthly mortgage is lower than our neighbours who also owned similar 3 bedroom in the condo. Our 1st house rental was also managed by clement who found many groups of tenant within a short period of time. 

    We are happy with Clement’s service and happy to see him topping the Propnex Producer charts every quarter. We believe it is his sincerity and motivation to assist his client that has gotten him consistent awards and recognition.

    Without any doubts, our family will entrust all property matters to clement. We wish him all the best in his career.

    Regards

    Vance Sim & Family

    Your Assets Strategist

    Clement Chew

    HDB owners can also build Wealth & Assets Systematically. I have assisted multiple groups of HDB owners to upgrade to 1 or 2 private properties with $0 since 2006. Their Cash Savings has also increased by >$250,000 ~ $600,000.

    Do not let your HDB depreciate in value, leverage on it to provide a better lifestyle to your family & yourself.

    Your Assets Strategist

    Clement Chew

    My name is Clement Chew and I am honored to render advice & assistance to your family and yourself.

    I looked forward to Add Value to you and Transforming your Family Lifestyle.

    Learn the RISK-FREE strategies used by HDB owners since 2006

    I will share with you how >1,000+ groups of HDB owners have successfully upgraded to 1 or 2 Private condominiums with $0 and Increase Cash Savings >$250,000 ~ $600,000