At Which Point Will Your HDB Flat Become A Financial Burden?

With so much uncertainty in the HDB resale market, it's important to know where you stand as a homeowner.

Many owners are sitting on negative profits without even realizing it. Don't let that happen to you.

 If you have owned a HDB flat for more than 5 years, it is a critical point to know whether your property is still a profitable investment or has become a financial burden.

Do you know our clients that bought at a market low and sold at today’s peak…

It might still be a negative sale or barely breakeven!

What is Negative Sale?

Negative sale happens when the sale proceeds of your HDB flat are not enough to cover the outstanding mortgage and CPF usage. This means that you won’t have any cash after you sell, and you may need to use your own savings to pay for the next house that you buy.

It’s essential to assess your financial situation carefully and ensure that you plan and make informed decisions to avoid or minimize negative sales situations.

You need to understand the risks involved and the long-term impact it can have on your finances. Plan wisely, and you’ll be on your way to financial security.

If you are planning a move or upgrade and wish to assess your financial situation or have a safe property plan for the future, do contact us for a non-obligatory sharing session.


Keep in mind that the sharing session has no obligations and it is completely free.

See what our satisfied clients have to say after working with us:

Arrange a non-obligatory discussion with us to find out whether your HDB flat is still a profitable investment or has become a financial burden. 

Don't wait until it's too late - take control of your finances today

Arrange a non-obligatory discussion with us

During the meet-up, we will share with you:

  • A STEP-BY-STEP plan on how to UPGRADE/GROW YOUR ASSETS based on your very own unique scenario
  • The CORRECT WAY to plan the SELLING/BUYING PROCESS to ensure as little disruption as possible
  • How to ensure FLEXIBILITY IN THE FUTURE so that you won’t get stuck

Kind Words from Our Clients...

Matthew & Dillon exceeded our expectations and managed to help us ensure a stress-free upgrading process.

When we first met Matthew & Dillon, we had the intention to upgrade. However, we were unsure of the procedure and thought it would be difficult for our case. We were afraid of being stressed out by having more financial burdens.

They not only explained to us the procedure in details but also presented to us the various options we had according to our financial situation and gave us invaluable advice on how to upgrade in a stress-free manner.

Today, we have successfully upgraded without much stress on our side and have successfully acquired our new home.

Thank you Matthew & Dillon for your invaluable planning and advice!

Mr & Mrs Choong

One word to describe them, Power!

Passionate - They are passionate in what they do, helped us to know what exactly we want, let us understand the possible options to grow our assets.

Outstanding - They provided outstanding and professional service to us where they were very patient with us while we were trying to figure our goals in life back then. They were able to address our concerns and provided solutions to our situation and challenges. They helped us to sell off the house in just two viewings in less than 1 week!!

Well versed - They are very well-versed in this trait, shared alot with us on the market outlook and the potentials in the real estate.

Excellent Negotiation skill - They are not pushy yet they are able to negotiate a good deal for us. Matthew went all the way down to meet the buyer at his workplace, and spent a few hours with him till he closed a gd price.

Reliable - They really serve with a heart. We saw their efforts, patience and sincerity in helping us to grow our assets. They don't undercut other agents. They also continue to share tips with us even after the flat is sold.

Our relationship with them has evolved from an agent-client to friends now.

Contact them to experience their Powerness! Yourself.

Terry & Dawn

Hi, we are Dillon & Matthew.

For the past 8 years, we worked closely with real estate veteran investors that grew their wealth by following a safe & systematic plan and SHOCKINGLY they did not even use much of their savings. 

In fact, our mentor grew from a 4-room HDB flat to over 10 properties!

After discovering the secret to “Asset Progression”, we have helped our clients upgrade/multiply their property without much impact on their finances and some were even more comfortable than before!

In fact, we decided to practice what we preach and went ahead to invest in a good upside potential property to kickstart our property investment journey.

Using the R-P-A strategy and property investment fundamentals that we share with all our clients, we decided to go ahead with a condominium unit in the core central region that was below 1 million dollars during the Covid-19 period.

Today, looking at the surrounding new launches in the market, most 1 bedder units are going for 1.1 to 1.3 million dollars!

Choosing the right unit is just one step and having the right property "roadmap" is essential to owning multiple properties.

Here at Let's Talk Property, we want to help you be the next to grow your wealth by having a beneficial asset progression plan.

Arrange a non-obligatory discussion with us

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PropNex Realty Pte Ltd

480 Lorong 6 Toa Payoh, HDB HUB East Wing #10-01(S310480)

Mainline No.: (+65) 6820 8000

CEA Licence No.: L3008022J

Matthew Ho. PropNex Realty Pte Ltd.

CEA Licence No.: R059798A

Phone No.: +6590079035

Dillon Sit. PropNex Realty Pte Ltd.

CEA Licence No.: R058114G

Phone No.: +6593891992