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Can you afford to upgrade to a private property? Read on.

Updated: Sep 6, 2020

How to upgrade to a condo with just 7k income?

So, you might have come across many advertisements about HDB upgraders moving to condos and beautiful new projects and yet not spending a cent from their savings.

- Is this possible?

- Is it purely a marketing gimmick?

- Can i afford it if it's true?

Well, the fact & truth is, it IS possible!

But yet many people do not fully understand the process and financial calculations involved and brush it off right away as impossible with their natural cynical reflex.

Are you one of them?

Investing in knowledge pays the most dividend.

What you do not know that you do not know will hurt you more than what you know you do not know.

Yes, read that again. It's not a typo error.

With a household income of $7K and upwards, i have helped homeowners understand their finances & affordability and then smoothly UPGRADE to private properties.

Yes, all without touching their savings.

This is all possible with creative methods of property financing and manner of holding strategies that were born out of the many government measures to curb excessive speculation.

Take note, this is not for everyone and a thorough 6-step financial assessment has to be done before we can find out whether you qualify or not.

It is not my job to tell you only what you would like to hear but to be prudent and forthright to explain all the risks before you make any decision.

Any adviser worth his/her salt is expected to do this to ensure financial prudence.

As an overview, this is what a Property Wealth Planner knows and uses in assessing and proposing any plan of action:

property wealth planning navis

Over the years, i have personally trained thousands of Property Wealth Planners and helped many families with income of $10K and above start owning PASSIVE INCOME generating investment properties on top of upgrading to a private property.

For some of them, we even managed to set aside rainy day reserve funds that can last them 6-8 months to further manage the risks.


With my clear and fact-based insights and step-by-step Property Wealth Planning™ strategies, my clients have upgraded comfortably to private properties, created passive income streams and have a clear investment roadmap for the next 5 to 10 years.

Watch this short video to find out exactly what I can help you with.


Need an opinion on your property investment plans, the best buys available or help marketing your properties?

Get a 1-time free 30 min Property Wealth Planning consultation. Schedule one right now.

A PWP consultation includes:

- An in-depth financial affordability assessment and timeline planning

- Highly relevant investment insights

- A clear and customised investment road map

- A curated list of best buys in today's market with good growth potential & minimal risks

- Selecting units with the highest potential in a new launch project

- Advice on marketing and getting a buyer for your property fast


Stuart Chng, Senior Associate Executive Director of OrangeTee & Tie, is a renowned leader and personality in the real estate industry.

He adores music and can play a few instruments decently without upsetting his neighbours. When not doing so, he enjoys pillow fighting with his son and coming up with silly puns which barely amuses his wife.

Professionally, he is a licensed real estate agent, investor, team leader, speaker and columnist for several property newsletters and blogs and is often quoted in media interviews on 938FM, Channel 8, PropertyReport, PropertyGuru and other publications.

Throughout his career, he has helped many clients grow their wealth through selecting great property investments and managing their portfolios actively. Read his clients' reviews here.

Stuart has also coached many top million dollar producing agents from different real estate agencies in Singapore. Read his agents' reviews here.

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