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HDB Owners

Do you know what happens to the value of your HDB

flat over time?

Take a look at the graph beside which shows a downward trend of a HDB flat's value.
As time goes by,
the value of the HDB flat falls.
Question 1:
How does this affect You and your family in the future?

A typical HDB flat owner usually services his loan with CPF

and aims to pay off all the loans ASAP.

Is this what you are doing too?
by Locking all your CPF in your HDB flat today,
you are losing your wealth!
When your lock your CPF in your HDB flat, you lose:
2.5% interest
You can earn from leaving in CPF 
2.5% interest
to pay back CPF when You eventually sell
Which means, at the end of 5 years:
For every $200K worth of CPF funds You put into your HDB flat, you lose:
2.5% interest
$26,600 which You could have earned
2.5% interest
$26,600 accrued interest
to pay back CPF
Total loss
Question 2:
How can you prevent the above situation from happening?
During the consultation

I will share the following with you:

Simple Calculation

to assess your financial position


4-Step In-Depth Financial Analysis 

towards a conservative and achievable asset progression plan, allowing you to accumulate wealth earlier



to consider while choosing which property is the best choice for you in the current market


Far-Sighted Property Investment Plan

that allows you to retire comfortably


Do you know that the HDB you own today,

is a potential goldmine which can possibly

aid you in upgrading to a private property,

or even own 2 of it?

Let's take a look at the following examples:
Case Study #1 


Mark & Jane, both 34 years old with combined income of $6500

Original plan:

  • To sell the current 4rm HDB flat and buy a resale Executive Maisonette

After a sharing session:

  • Upgraded to a 4 bedroom condominium, without touching their savings

  • Maintained cash reserve of $150,000

  • Plan to invest in a second property for passive income


Case Study #2 

Kenneth & Adele, 37 & 32 years old with combined income of $10K

Original plan:

  • Sell 5rm HDB and buy EC or Condo

After a sharing session:

  • Upgraded to 3 bedroom condominium apartment and owns another studio apartment

  • Maintained cash reserve of $200,000

  • Lowered monthly instalment due to passive rental income

Questions to ponder:
  1. Is Your HDB flat an asset or liability today?
  2. Do You think your HDB flat will continue to grow or decline in value?
  3. Should You make a move now or wait further? When will it be the right time?

Let me share with you how

Customised Asset Progression Plans have helped your fellow HDB owners take their first step

towards financial security for them and their families.

Hi,  I'm Thea

I take pride in assisting my clients realise the full potential of their assets- to have a roof over their head, upgrade to a better home and/or even acquire passive income through the right property investment based on their profile and expectations.
Equipped with the right knowledge, principles and financial techniques, I have helped my clients visualise the potential of the available options in the market and take action to reap the most benefit out of Singapore's property cycles. 
I believe that with systematic planning- the journey towards achieving desired financial goals will be clear and easy. I aspire to help all my clients achieve financial security and present them the opportunity to retire earlier, with a legacy for future generations.
Of course, everyone deserves a unique
Asset Progression Plan of their own.
Let's meet up for a free consultation!

Engage an award winning agent to analyse with you today

Hear What my clients say

My family and I met Thea when my parents decided to sell their HDB so that we can upgrade to a condominium. We had no idea about how property investment goes about until Thea patiently shared her knowledge with us. She did a financial analysis for my family and advised on how we can maximise the potential of our assets.


After introducing us to a few developments and evaluating the pros and cons based on our needs, we are proud to say we found our new nest! Very grateful to have met Thea who provided excellent guidance in the search of a new home/investment property for my family!

- Gina Lim

As a foreigner, I had to find someone reliable in Singapore who can communicate well and understand my preferences. I was referred to Thea by a friend and she had indeed lived up to her name as an agent who provides commendable services from the start of search to the completion of sale for my new home.


Her professional advices had helped me narrow down my search within a short period of time, allowing me to make a swift decision. If you are looking for someone who can give dependable services at every step of the way, Thea is the one you should look for! 

-  Mr Chen


Start growing your wealth

in a systematic manner!

Thanks! Message sent.

Disclaimer: The case studies are for educational use only and we make no representation or warranties with respect to the accuracy, applicability, or completeness of its contents. 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 or promises for actual performance. As required by law, we can make no guarantees that you will achieve any results. Results will vary from case to case.

In adherence to the Personal Data Protection Act, by submitting your personal particulars through the forms in this website, you are hereby agreeing to allow us to contact you via the contact information you have provided. 

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