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“How Can You Upgrade to a 3 Bedder Condo Without Stretching Your Monthly Finances?

If You’ve Lived in Your HDB for More Than 5 Years & Have a Combined Income of $7,000 Onwards You Could Possibly

Singapore Condo

Upgrade to a Condo With No Monthly Cash Top-Up

2 PROPERTIES

Own 2 Condos, Pay Only For 1 Condo

Keep HDB to Rent Out, Buy Condo For Stay 

$80,000 Cash Savings as Backup & Reserve

Discover Your Upgrading Options

Numbers don't lie. We will show you how our clients own a condo without cash top-ups and even own a separate property for rental investment

Case Study of Khairul & Yati

Both Khairul & Yati were 36 years old and had a combined income of $7,550.

Their original plan was to sell their 4-Room HDB Flat and upgrade to a 2-storey Maisonette.

During our meet-up, I applied the H.E.R.O framework.

First priority was a Home that could build up Equity and able to support them during Retirement with Options to downsize in the future.

Finally they ended up with untouched cash savings for the deposit of the condo, no monthly cash top-ups and using 100% of their CPF funds and finally they created a reserve fund for a peace of mind.

We have upgraded more than 400+ families to a home they can be proud of without financial burden 

Downpay Without Using Their Savings

They upgraded to a 3-Bedroom Private Condominium without using their savings and even have a reserve fund of $92,000

No Cash Top-Up For Monthly Instalment

In fact, they can even repay their monthly home loan instalments for the next 13 years without paying any extra cash from their own pocket.

Gained $92,000 Cash Savings as Back-Up

Cash proceeds from their HDB sales were used for the condo deposit, and they managed to keep a big chunk of it!

With advanced projections and planning they will be investing in a 2nd property within 6 years for Passive Income

“Are You Making These 2 Mistakes Unknowingly?”

90% of HDB Owners Are Unaware of The 2 Most Dangerous Mistakes When They Own a HDB Flat

Losing Cash Profits in Your HDB Flat

As HDB continues to build thousands more newer and better HDB flats your HDB flat price will naturally fall.

Eventually your cash profits will be too small or even wiped out causing a negative sale.

You will not be able to take advantage of any opoortunity available to you right now.

Losing Cash Profits in Your HDB Flat

As HDB continues to build thousands more newer and better HDB flats your HDB flat price will naturally fall.

Eventually your cash profits will be too small or even wiped out causing a negative sale.

You will not be able to take advantage of any opoortunity available to you right now.

Unable to Retire as You Are Paying 2x Interest

Since you are paying your property through CPF then you will lose

• 2.5% interest you could have earned from leaving your CPF in your OA Account

• 2.5% accrued interest that you will be paying back when you eventually sell

You are losing 5% every single year yet your property price cannot increase. 

“Have You Used $150k for Your Current HDB?”

1) After 5 years you will lose $19,711 in interest earnings

2)  If you sell your HDB flat at the end of 5 years you will have to return a total of $150,000 that you used and $19,711 in lost interest back to CPF board

3)  That means you will receive $19,711 less cash from your HDB flat sales. Your total loss will be $39,422 

“Here’s What You Are Losing Now”

5 Years

 

CPF Interest Loss

$19,711

 

CPF Accrued Interest

$19,711

 

Total Loss

$39,422

 

10 Years

 

CPF Interest Loss

$42,012

 

CPF Accrued Interest

$42,012

 

Total Loss

$84,024

 

15 Years

 

CPF Interest Loss

$67,244

 

CPF Accrued Interest

$67,244

 

Total Loss

$67,244

 

In Less Than 2 Hours You Will Know Why 80% of HDB Upgraders Will Continue to Work After 65 Years Old

Learn How to Avoid the 2 Most Common Mistakes Most HDB Owners Make During Their Younger Years & How You Can Avoid It & Lead a Better Life

“Don’t Miss This Opportunity”

The biggest mistake you could make is not giving yourself an opportunity to find out

Most HDB Owners simply follow the crowd when upgrading. They assume that certain types of better properties are beyond their reach due to their current income.

Don’t allow your limiting beliefs decide your future for you, there are different ways to overcome every obstacle.

Nobody wants to have regrets when they look back on their lives 5 to 10 years down the road.

Seize this opportunity and you can achieve your life goals with the right property and more.

 

 

Grow Your Assets Wisely

Own the right home and watch in grow in value overtime to help you through life

Unlock Cash for Rainy Days

Use your cash proceeds as reserve funds for a peace of mind

Generate Passive Income

Consistently earn passive income without financial burden

Hi, We’re Heikal & Elfi from Herohomes™

We’ve helped over 400+ HDB Upgraders Own 1 or 2 Right Condos Based on Their Affordability

We are Singapore Accredited Mortgage Specialist™ and Upgrader Consultants that will show you how you can use what you already have to create more wealth.

We believe that you should be in control of your property and let it create an income for you for now and for the future.

“We thought that fully paying our HDB flat was the right move. When Herohomes showed us the CPF accrued interest and interest lost we knew that we couldn’t depend on our property for retirement.

Now we own a condo that has a potential to increase within a few property cycles. We have placed our CPF back into the right place to grow our wealth and for retirement.”

- Mr Billy Ong & Family - The Minton Condo

“Heikal has been advising and managing my family’s investment properties since 2010. From HDB to our private properties in Tanjong Rhu and Tanjong Pagar.

I’ve lost count the number of friends I’ve referred to him over the years. Happy to see his personal and professional growth in the real estate world.”

- Mr Wins Tan - The Icon Condo

The Best Way to a Better Future is to Create It. Discuss Your Plans With Real Experts 

We Have Transformed More than 400+ Families to Be Condo Owners With a Pathway to Create More Wealth with our H.E.R.O Framework