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Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, if you are looking at long term appreciation, it makes more financial sense to sell away existing flats and to go ahead to purchase a private property.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Good day to you,

Both of your HDBs may appreciate over time, but which unit is younger and located at a better location?
Nesting all funds within a basket has its challenges, unless there is a concern with budget.
Based on your case, if I may suggest that your girlfriend keeps her HDB unit, and you proceed onto private property. This is due to the budget of $2mil and you will be able to obtain more loan.

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Regards
Mike Lim
 96929209 
R026708F
m52i@yahoo.com
ERA Read More

What are the long term goals you have as a family? Read More

Hi, for both of your HDB, have they reached their MOP? It is still possible for you guys to be legally married and keep one HDB if it has reached the MOP and at the same time purchase a private property without occurring ABSD. Seeing that you have two kids, ideally in future they will each require their own rooms for more space which might mean 3bedrooms are ideal.

All in all, what are your plans going forward as that is the most important.

Hi, hopefully you managed to get your doubt or query answered. If so, then congrats! Hopefully you are doing well now.

If you are currently or planning to find a property agent, I can assist.

If you are interested in prices of houses in your neighbourhood, you may visit this website to find out more or contact me.

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If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.

Landon Chew
97 39 60 40
landonchew@email.com Read More

Hi, appreciate your sharing. I will approach bankers to access base on your situation what the best outcome by determine the loan for each under private property purchase.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Hi,
Based on the info shared, it seems like option 1 works better as you have a rental property for recurring rental income. This will be helpful for retirement especially if the hdb has a healthy long balance lease where you can continue to earn rental income all the way which eventually will pay off the property price and more. The only downside is the private property is only one person's name legally and the other cash paying person has to accept that he/she is not the legal owner.

Are you able to buy with parents? If so maybe you can consider the new EC from developer as well, assuming the location works for you and you fulfill all the eligibility conditions. The EC entry price is much lower and you have more assurance financials wise given your job industry nature is inherently volatile. Perhaps we can do a discussion to brainstorm the best approach factoring in all your requirements as much as possible.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

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1. **Loan Assessment**: I recommend approaching bankers to evaluate the best loan options based on your situation for purchasing private property.

2. **Option 1 Advantages**: It appears that Option 1 is a better choice, as your rental property provides a steady income stream, which can be beneficial for retirement, especially if the HDB has a long remaining lease. This rental income can help pay off the property in the long run.

3. **Ownership Consideration**: The downside is that only one person will legally own the private property, while the other person contributing cash would not be a legal owner, though they still benefit financially.

_"The only way to do great work is to love what you do."_ — Steve Jobs

U MAY CONTACT ME FOR BANKER REFERRAL :)
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1. **Loan Assessment**: I recommend approaching bankers to evaluate the best loan options based on your situation for purchasing private property.

2. **Option 1 Advantages**: It appears that Option 1 is a better choice, as your rental property provides a steady income stream, which can be beneficial for retirement, especially if the HDB has a long remaining lease. This rental income can help pay off the property in the long run.

3. **Ownership Consideration**: The downside is that only one person will legally own the private property, while the other person contributing cash would not be a legal owner, though they still benefit financially.

_"The only way to do great work is to love what you do."_ — Steve Jobs Read More

U MAY CONTACT ME FOR BANKER REFERRAL :)
READ MY REVIEWS

1. **Loan Assessment**: I recommend approaching bankers to evaluate the best loan options based on your situation for purchasing private property.

2. **Option 1 Advantages**: It appears that Option 1 is a better choice, as your rental property provides a steady income stream, which can be beneficial for retirement, especially if the HDB has a long remaining lease. This rental income can help pay off the property in the long run.

3. **Ownership Consideration**: The downside is that only one person will legally own the private property, while the other person contributing cash would not be a legal owner, though they still benefit financially.

_"The only way to do great work is to love what you do."_ — Steve Jobs

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