Case Study
Start Investing From Young Age
Case Study 1
In 2020, we assisted our client, a single lady, 26 years old, working in finance industry to purchase a 2-Bedroom condo unit in Jadescape 764sqft at $1,350,000. Today, her unit is having valuation of $1,720,000. She is sitting on a capital gain of $370,000 in just 3.5 years time. This implies she gains nearly 100% return from her initial cost of investment.
Her initial cost of investment is $378,600. Which consisted of
Downpayment 25% $337,500
Buyer Stamp Duty $38,600
Legal fee $2500
Potential gain is $370,000 if she sells her unit today.
ROE = 370,000 ÷ 378,600 X 100% = 97.73%
Beside the paper gain, she is collecting rental income from this unit at $4,500 per month.
*above ROE calculation has not factored in mortgage interest (Progressive Payment for BUC)
Case Study 1
In 2020, we assisted our client, a single lady, 26 years old, working in finance industry to purchase a 2-Bedroom condo unit in Jadescape 764sqft at $1,350,000. Today, her unit is having valuation of $1,720,000. She is sitting on a capital gain of $370,000 in just 3.5 years time. This implies she gains nearly 100% return from her initial cost of investment.
Her initial cost of investment is $378,600. Which consisted of
Downpayment 25% $337,500
Buyer Stamp Duty $38,600
Legal fee $2500
Potential gain is $370,000 if she sells her unit today.
ROE = 370,000 ÷ 378,600 X 100% = 97.73%
Beside the paper gain, she is collecting rental income from this unit at $4,500 per month.
*above ROE calculation has not factored in mortgage interest (Progressive Payment for BUC)
Source: 99.co
Case Study 2
We assisted our client, a single lady, 27 years old, an IT consultant, purchased a 3-Bedroom condo unit in Symphony Suites 893sqft at $940,000 in year 2017. Today, her unit is having valuation of $1,150,000. She is sitting in a capital gain of $210,000. Beside the paper gain, she has been earning rental income since the condo TOP in January 2019. She is renting out the unit at $4000 per month now.
We assisted our client, a single lady, 27 years old, an IT consultant, purchased a 3-Bedroom condo unit in Symphony Suites 893sqft at $940,000 in year 2017. Today, her unit is having valuation of $1,150,000. She is sitting in a capital gain of $210,000. Beside the paper gain, she has been earning rental income since the condo TOP in January 2019. She is renting out the unit at $4000 per month now.
Source: 99.co
Case Study 3
In year 2018, a young lady, Malaysian, SPR, working in healthcare line with salary of $4000 per month, approached us to what options she can save on her prolong rental. After assessing her financial abilities for down-payment, mortgage loan and ABSD, she heeded our recommendation to purchase a 1-Bedroom unit in Riverfront Residences, 463sqft for $600,000. Today, she can save on high rental expenses while enjoying paper gain of $190,000 based on recent transactions data of $790,000 for the same size units.
Her total initial outlay is $195,100, which consisted of
Downpayment 25% $150,000
Buyer Stamp Duty $12,600
ABSD $30,000
Legal Fee $2,500
She needed to take loan of $450,000.
In year 2018, a young lady, Malaysian, SPR, working in healthcare line with salary of $4000 per month, approached us to what options she can save on her prolong rental. After assessing her financial abilities for down-payment, mortgage loan and ABSD, she heeded our recommendation to purchase a 1-Bedroom unit in Riverfront Residences, 463sqft for $600,000. Today, she can save on high rental expenses while enjoying paper gain of $190,000 based on recent transactions data of $790,000 for the same size units.
Her total initial outlay is $195,100, which consisted of
Downpayment 25% $150,000
Buyer Stamp Duty $12,600
ABSD $30,000
Legal Fee $2,500
She needed to take loan of $450,000.
Source: 99.co
Upgrading According to Individual Family Needs
Case Study 1
Clients were planning to work overseas and they were looking for property in CCR that can fit their budget with safe entry price. Hence, New Homes is the best choice for capital appreciation as they didn't need to move in immediately upon selling their HDB. We assisted this couple in purchasing their New Homes in Kopar at Newton, 2-Bedroom unit 689sqft at $1,580,000 in year 2021. Today, the same unit type in Kopar were sold around 1,800,000. They have made a paper gain of $220,000 to date.
Case Study 1
Clients were planning to work overseas and they were looking for property in CCR that can fit their budget with safe entry price. Hence, New Homes is the best choice for capital appreciation as they didn't need to move in immediately upon selling their HDB. We assisted this couple in purchasing their New Homes in Kopar at Newton, 2-Bedroom unit 689sqft at $1,580,000 in year 2021. Today, the same unit type in Kopar were sold around 1,800,000. They have made a paper gain of $220,000 to date.
Source: 99.co
Case Study 2
In 2021, a family of 5 planned to upgrade to condo with 4 bedrooms. As they needed to move in after they sold their 4rm HDB Flat. Through a proper financial calculation and timeline planning, we suggested a New Homes that going to TOP soon.
We assisted them in selling their HDB flat and purchased a 4-bedroom + Study in Twin Vew 1378sqft at $2,000,000. Today, they are enjoying living in spacious, high floor with unblocked view unit, while sitting on a paper gain of $440,000 based on SRX X-Value of $2,440,000.
In 2021, a family of 5 planned to upgrade to condo with 4 bedrooms. As they needed to move in after they sold their 4rm HDB Flat. Through a proper financial calculation and timeline planning, we suggested a New Homes that going to TOP soon.
We assisted them in selling their HDB flat and purchased a 4-bedroom + Study in Twin Vew 1378sqft at $2,000,000. Today, they are enjoying living in spacious, high floor with unblocked view unit, while sitting on a paper gain of $440,000 based on SRX X-Value of $2,440,000.
Source: 99.co
Assets Progression / Grow to Multiple Property
Case Study 1
In year 2008, a couple with 2 young kids (with only 1 sole breadwinner) planned to move Toa Payoh - Ang Mo Kio area. After a thorough financial calculation, we assisted them to sell their 3-Bedroom condo at Regent Grove for the price of $550,000 to purchase a 3-Bedroom Condo at Castle Green for the price of $660,000 and a 4Rm HDB at Toa Payoh for the price of $420,000 (before HDB rule was changed). In year 2011, clients heeded our advice to add 1 more New Homes into their property portfolio and bought a 2-Bedroom + Study 872sqft unit in Parc Vera through us at the price of $750,000 without ABSD (1st ABSD was introduced on 8 December 2011). Based on recent transactions data, 3-bedroom same type unit at Castle Green were sold at around $1,500,000. This shows his property has appreciated by $840,000. 4Rm HDB in Toa Payoh recent transaction price around $750,000, means his HDB flat has appreciated by $330,000. Parc Vera 872sqft recent transaction data at $1,150,000, shows his property has appreciated by $400,000. Today, this clients are sitting on the capital appreciation with total $1,570,000 from his 3 properties, while enjoying passive income from renting out 2 of their properties.
Case Study 2
A couple with 2 young kids approached us in the midst of selling their HDB in year 2021. After we assessed their needs and thorough financial calculation, they heed our recommendation to purchase a 3-Bedroom Premium unit at Clavon for $1640psf and 1-Bedroom + Study unit at Canninghill Piers for 2820psf. Today, 3-bedroom unit in Clavon were transacted at 1952psf, this indicates our client unit has appreciated by 19% from their purchased price in less than 3 years. We are looking forward to see the capital gain in Canninghill Piers once the SSD is over.
A couple with 2 young kids approached us in the midst of selling their HDB in year 2021. After we assessed their needs and thorough financial calculation, they heed our recommendation to purchase a 3-Bedroom Premium unit at Clavon for $1640psf and 1-Bedroom + Study unit at Canninghill Piers for 2820psf. Today, 3-bedroom unit in Clavon were transacted at 1952psf, this indicates our client unit has appreciated by 19% from their purchased price in less than 3 years. We are looking forward to see the capital gain in Canninghill Piers once the SSD is over.