Beyond Listings, We Plan Legacies. Unlock your home upgrading potential with The Content Realtor!
The difference between someone retiring with $300 a month vs $3000 a month does not lie in the type of property they own but in how they have planned their finances from the start.
Every property has a path toward retirement as long as you make a strategic purchase, knowing the game plan along with creative financing strategies. Rest assured, we are here to guide, educate, and support you every step of the way.
Meet Asyraaf
Asyraaf, also known as The Content Realtor, gained popularity in a matter of months with a following of close to 30,000 on TikTok.
He is also a Top Producer in Singapore Largest Real Estate agency and has won multiple accolades at the company level, including securing the 1st Runner-up Champion as Top HDB Transactor, competing against 13,000 other agents in Singapore’s largest listed real estate company.
Founder
Content Realtors
Recognition
Multi award winner
Top 1%
Industry Peformer
30k+
Social Media Followers
Watch the Video Overview
Services
Our suite of services are tailored to meet unique needs and circumstances. With a keen understanding of the Singapore HDB resale market, we offer:
Guided HDB Upgrades
Seamless navigate through your property journey, be it from "HDB to HDB" or "HDB to Condo" upgrade in Singapore with our expert guidance.
Comprehensive Market Analysis
Stay informed with our in-depth analysis of market trends (updated every Quarter), ensuring you make the most informed decisions."
Educational Content
Be empowered with knowledge through our library of educational resources. Touching on affordability, financial sustainability, creative financing, sales and purchase strategies down to holistic transactional management; helping you understand the nitty-gritties of the HDB resale market.
Common Issues
1. BTO to BIGGER HDB
The selling of BTOs and buying bigger HDBs is the easy part. Its their “future selling” that may pose a challenge. As the bigger HDBs hits lease decay, its pool of buyers gets smaller with age. and with that the harder it is to sell.
2. Sell High Buy High
In todays “all time high”, HDB upgraders faces an issue of selling their BTOs with 6 figure profits but at the same time committing to older and bigger flats at a high quantum. And in order to keep the loan repayment “cheap” many tend to deposit huge amounts of CPF which may later result in negative sales.
3. Upgrading to Private Property
Due to the rise of interest rates with higher stress test, HDB upgraders tend to be priced out as they fall short on the loan quantum. This has widended the gap making it harder for HDB upgraders to move to private properties. Aside from purchasing power, the private market works a little different. Not every private property can make money. With that it is crucial to purchase the right property by the “Quality vs Price vs Exit Strategy” (QPE) model.
What you can expect?
Subt text outlining the steps you can take to address the issue and improve the situation.
- Financial analysis : deep dive into your finances; affordability vs creative financing
- HDB vs Bank Loan : Which route is most suitable for me?
- HDB to HDB Upgrade : What property should you buy? bigger or younger?
- HDB to Private : If not every private property makes money, then which property should you buy?
- Timeline Planning : Transition from one property to another without hassle
Achievements
Words of thanks will never be enough for the trust and faith my clients have placed in me.
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FAQ's
Everything you need to know
What is the current trend for the HDB market in Singapore?
Aside from economical and political factors, supply and demand plays a huge role in driving the property market. Reach out to understand the latest HDB market update.
Are old bigger flats safe to buy?
There a few things in play here. Older flats are known for space but they come with a set of problems like lease decay. With that, it is important to make a strategic purchase. Second, formulate a financing strategy to ensure you are able to retire by way of CPF after meeting the retirement sum.
Will a resale private property still appreciate in price?
When dealing with private property, it is always a long term game. Instead of timing the market, pivot the focus on buying the right property with the “Quality vs Price vs Exit Strategy”. If this is done right, even if you have bought in the period right before the market “crash”, you may still make money in the longer run.
Should i buy a million dollar HDB jumbo or a 2 bedder resale condo?
If the need for space is taken out of the equation, the million dollar 2 bedder resale condo stand a higher chance of making profits.
How do I begin my upgrading process?
Step 1: Financial due diligence to find out your affordability by applying for the HFE (for HDB purchase) and an IPA (for private properties).
Step 2: Begin planning for the sale of your property.
Note: Although this process may appear reversed, it ensures you are financially ready before beginning the irreversible process of selling your home.
How much do you charge for consultation?
I do not charge for consultations.
Will I need to sign anything after meeting you?
No obligations and No-pre signed exclusives.
Got a question for us?
If you have any questions about, just drop us a message below. We’ll get back to you soon and look forward to hearing from you!
