The $650,000 that isn’t $650,000.
You see the sale price. Then the loan comes off, then CPF wants its money back, with interest that's been compounding at 2.5% the whole time. What lands in your hands is smaller than you think.
Read →Insights
Straight talk on your next move.
No listings. No hype. Just the numbers, and the questions that decide whether upgrading makes you money or quietly costs you a few years. New pieces as I write them.
Lease decay isn’t a straight line. It speeds up.
Everyone pictures lease decay as a slow, gentle slide. It isn't. There are specific years it bites, and it's your buyer's CPF that decides when.
Read →Your flat went up 10%. You might still have lost.
Your flat isn't competing with its own past. It's competing with the town across the road, and that gap is the one number almost nobody shows you.
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