PLANNING TO UPGRADE
TO A BIGGER PROPERTY

But concerned about the Huge Stress 

that comes with it?

I will be discussing one of the issues that my seller was facing and that could potentially be one of the dilemmas that you’re currently going through so read on…

Let's Dive into This Real case study

One of my clients, let’s call her Jane, who has three children and two helpers, has been comfortably living in her current Executive Condominium with her husband for more than five years.

After we went through detailed analysis and careful calculations, Jane decided to sell her resale Executive Condominium in the West.

I facilitated the sale at a high price and the next step was to search for another property to purchase. 

Jane sold her Executive Condominium for $1.25 Million.

Jane can purchase another property at $2 Million.

Looking at Jane and her husband’s current financial standings and current age of both at 45 years old, they are able to get a 75% loan of $1.5 million.

This means that their bank loan instalment will come out to be $7,575 per month at an interest rate of 2% per annum.

Jane was concerned that the monthly loan instalment together with the family’s daily expenses might be too stressful for her and her husband. She asked if downgrading to a HDB flat might be better?

Is this something that some of you are facing?

Monthly bank instalment at $7575 

Or should we downgrade to a HDB with a lower monthly instalment?

The fear of taking on a Huge Financial Obligation and fearing that it will be too much of a burden for you?

We have done detailed analysis on 2 scenarios for a better visualisation of the future finance situation for Jane and her husband at the end of 25 years, upon completion of mortgage.

Scenario 1

If Jane and her husband were to choose the route of owning a HDB.

Possible Outcome

  • Jane and her husband would most likely live in a HDB flat forever.

  • Their children would eventually go on to purchase their own properties when they are ready.

  • They would then right-size to a smaller HDB.

Points to Note

  • HDB resale prices in today’s current market are at an all time high.

  • With government interventions on HDB regulations and prices, there is a huge risk entering the resale HDB market.

  • Their profits and savings would have diminished as HDB prices tend to decline with a decreasing lease.

Scenario 2

Since Jane and her husband are gainfully employed, they can view upgrading to a bigger property as a form of investment for the future.

Possible Outcome

  • Jane and her husband will live in the condo that’s carefully curated and selected under our framework.
  • Their children would eventually go on to purchase their own properties when they are ready.
  • They can then cash out from this property with their retirements secured and right-size to a smaller condo/HDB.

Points to Note

  • There are 2 important steps that they need to take, which will make the upgrading less stressful.

Step 1: Refinancing their bank loan and extending the loan tenure from 22 years to 28 years to lower the monthly installment. By doing so, they can lower their installment from $7,500 to potentially $5,800.

Step 2: Using their combined CPF of $2,300, and if both of them can fork out $1,500 each from their monthly income and the remaining $500 from their reserved funds of $150,000. These reserved funds can act as a buffer and service the bank loan instalment for the next 300 months!

In Conclusion

If Jane and her husband had chosen to go ahead with their HDB plans, they will be left with a HDB flat worth $700,000 or lower. On the other hand, if they had taken our advice to purchase a $2 million condominium (carefully curated by us), even if it did not appreciate in prices, they will still have a house that is fully paid and saved $1.3 million more in savings.

It is not an easy feat to be able to save $1.3 million, while holding to a $700,000 HDB in the next 25 years. This is the reason why many of my clients buying properties push themselves to save more and make sure that they are growing their wealth through properties safely and securely.

What I’m trying to bring across to Jane was that being empowered with the right knowledge, right planning and courage to take the 1st step forward, she will realise that property upgrading is not such a scary nor stressful process. If one does not know the strategies and efficient methods to aid you in your property upgrading journey, you will be faced with a lot of unnecessary obstacles and fears that prevents you from upgrading, which also means that you may miss a lot of great opportunities to create wealth through properties.

If you are in a similar situation as Jane or facing any other dilemmas, I warmly welcome you to reach out to me for any property related enquires and I’m committed to make our non-obligatory discussion a fruitful one.

Let me guide you to your next home purchase and maximize your profits!

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My Strategies and How it can Help You

Customised Planning is part of a Larger, Comprehensive Strategy

As all of us come from different walks of life and have different needs and objectives, customised planning is needed to determine the most suitable options. What may work for another family, may not necessarily apply to all families, hence, I will listen and understand your all concerns and goals.

After our consultation, I will analyse and use various tools to form the best strategy to achieve your needs and objectives. The customised planning and strategy will empower you to make the best decision for your family and yourself.

Assisted many Homeowners

Helping Homeowners Move Forward Safely Through Property

Over the years, I’ve worked with many homeowners to plan their next move whether it’s upgrading, right-sizing, or investing for the future.

Every decision comes with trade-offs and the goal is always to move forward safely and sustainably. Some clients have used their property gains to upgrade their lifestyle, some have right-sized to unlock funds for retirement and others have built up their portfolio for long-term planning.

No two situations are the same, which is why each plan starts with understanding your goals, timeline and financial comfort level.

If you are exploring your options and would like a clearer view of what’s possible for your own property,
I’m always happy to have a quick discussion.

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Meet Marco

"Trusted Realtor with Integrity and Proven Results"

I entered the real estate industry after building my foundation in sales and marketing, and over the years I’ve had the privilege of helping many homeowners and buyers navigate Singapore’s property market with clarity and confidence.

Since becoming a full-time realtor in 2017, my approach has always been straightforward to provide honest advice, look at the numbers carefully and help clients make decisions that suit their own goals and comfort level. Many of the clients I’ve worked with have gone on to upgrade, right-size or reposition their property portfolio over time, and much of my work today comes through referrals and repeat clients.

The Realtorpreneur

 

I believe property decisions should be made with a clear plan and realistic expectations. Whether it’s selling, buying or planning the next move, my focus is always on helping you move forward safely and confidently.

Integrity, sincerity and professionalism remain at the core of how I work. My goal is not just to complete a transaction but to build long-term relationships and be a trusted point of contact whenever you need guidance in your property journey.

Testimonials from Satisfied Clients

I'm very honoured to have receive many appreciation notes from clients

Marco was attentive to our intentions and instructions, and formulated the marketing strategy together with us carefully based on data, and the unique factors of our property. The video he made to market our property was professional and effective, and he assessed the offers that came in objectively together with us. Eventually sold our flat at $50k above valuation, which needless to say we were pleased with. Highly recommended!

- Jason (Seller)
Marco is an excellent agent who goes beyond the call of his duty to reassure first time buyers like me. He’s very knowledgeable and very good at what he does. Would recommend him to my friends who are looking to purchase property in future.

- Yeo Jian Min (Buyer)
Marco Liu was an incredible property agent, and we were really glad to have engaged him! He was punctual for ALL our appointments and house visits, and was never once late. He was very pro-active throughout the transaction, ensuring that we understood the process from Day 1, and offered valuable advice without us prompting him further. He even followed up with us after the sale was completed, which is a stark contrast to the lackadaisical responses you might receive from other salespersons once the deal is over. We genuinely appreciated ALL his positive traits such as replying swiftly to our queries, being a good listener, and paying close attention to our needs. Our unit was sold super quickly at a good price too which exceeded our expectations of him! The video shoot he did for our home was a masterpiece on its own, and it certainly made our home look more presentable and welcoming as compared to mundane photos. 3 words to describe him in short: Dedicated, committed and impressive!

- Philip Tan (Seller & Buyer)
Marco is very persevering in helping us close the deal and is very attentive to our needs. He is also very knowledgeable about the housing market. We are glad to have engaged him to purchase the house and got it at a good price. Highly recommend him to anyone who is looking for a property agent!

- Liang Lihui (Buyer)
Marco is a very professional, attentive to detail and very easy to work with. He is a straight shooter. He answered all our queries and made sure we understood the process. Throughout it, we never felt neglected and unimportant. With his honesty and vast knowledge we are certain that we were in good hands. We highly recommend Marco to anyone seeking a truly professional Realtor.

- Zubaidah Ali (Seller & Buyer)
Marco have been really meticulous in the things he do and have been really patient with us. Guiding us on getting our house.

- Chan Tak Wei (Buyer)
Marco has put in great effort in assisting us to get our house that we wanted. He shares his knowledge with us which is very useful for us. He brought us to a lot house visiting and will always help to check with the owners if there is any issue. For the processing of the paperwork, he took the extra mile to came to my workplace just to let me sign the paperwork. He is very diligent during this CB period to ensure that things goes smoothly. Even after we got our keys, he continues to follow up with us if we are doing okay and if we have any concern.

- Eric Weiqi (Buyer)
I’m strongly recommend Marco to anyone here and his really deserve this complimentary. So far he is only agent I fully trusted with his committed. He took on the assignment to sell our unit recently. We were initially concerned about the length of time to sell the unit as well as not being able to get a good price. With his professional, quick actions, effort, and knowledge of the market, the unit was sold within 3 weeks and at a price that we were happy with. This allowed us to plan our next home purchase with greater peace of mind. By the way he was also refered from my neighbour. Hi Marco, thank you so much for helping us make it to the finish line on the scale of our house. You really are the consummate professional, truthful, knowledgable, congenial and superb under pressure! As far as agents are concerned you are in a league of your own. We will highly recommend you to any of our friends looking to buy or sell. Best of luck to you in your business.

- Desmond Lew (Seller)
Marco is a very helpful and patient agent. He will always be there to answer any of my queries no matter how late is it. He will also deliver any documents which needed my signature or approval when I am not able to meet him and he will travel v far to me. As this is my 1st house, there are many unknowns but he is always available and patient to help me find out and advice me. He is also someone who will also advised me well on where can I save on my money while purchasing my house and not thinking of wanted to earn more.

- Eugene Ng (Buyer)
Marco is very approachable, responsive and helpful. We were able to sell our old unit and purchase a new unit both at a good price within a very short period. Was appreciative of his help even after our transaction was over. Highly recommended to everyone.

- Ron Lee (Seller & Buyer)
Great service helping us purchase a new home. Would highly recommend!! Thank you Marco!! ​

- Lee Choi Peng (Seller)
As first time sellers, we are pretty clueless on how to go about the whole process. Thus we need an experienced, proactive and responsible agent who acts on our interests. We are glad that we engaged Marco as our property agent. During the first meeting, he went through the process of selling a flat, calculated our finances and also gave us his advice and also valuable information on the current property market. He wasn't pushy and gave us time to think over before signing the exclusive contract. Marco is always punctual for all the meetings and he uses professional photographer and we are really impressed with the photos taken. As we went into phase 2 (HA) just after we listed our unit, besides physical viewing, Marco also took the effort to arrange virtual viewing. We managed to sell our unit in a week after it was listed. Marco followed us well through the whole process and everything went smoothly. Thank you Marco for the wonderful experience, we are really grateful!

- KeiKo Wen (Seller)
Marco is a responsible and dedicated agent. I had a peace of mind knowing that my unit was well taken care of by him. He has done up excellent video and attracted many buyers’ interest by various marketing techniques. Unit was sold on the first day of viewing at our expected pricing which needless to say I am very pleased with. Marco was quick to react upon my requests and because of that, I was able to upgrade to my preferred home. Will definitely recommend him to my family and friends.

- Howard Tan (Seller & Buyer)

Recognition of Achievements

My drive to achieve strong outcomes for clients has been recognised by PropNex management through awards such as Platinum Achiever and Top Individual Producer.

More importantly, I’m grateful for the continued trust and support from clients, colleagues and management over the years. That trust motivates me to keep improving and to serve each client with focus, care and a clear strategy.

In a dynamic property market like Singapore’s, my goal remains the same which is to help clients move forward confidently and make well-considered property decisions.

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Get in touch with Marco

Feel Free to reach out and I'll assist you with any property related queries

Marco Liu

PropNex Realty Pte Ltd
CEA Reg No. R024648H
Associate Group Director
Contact: 9190 4926
Email: m91904926@hotmail.com

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  • Marco Liu
  • Associate Group Director
  • PropNex Realty
  • CEA Reg No: R024648H

Contact Info

  • 9190 4926​
  • M91904926@hotmail.com​

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