How to jumpstart your property investment journey into prime district from a 4 room BTO in Choa Chu Kang and enjoy possible passive income of more than $1500 monthly

Couple, mid 30s with 2 kids in their 1st BTO at Choa Chu Kang for 7 years, (Household income less than $12K/ Month)

Learn how Mr. & Mrs. Lee has successfully bought a River Valley development with half of the cash outlay, which they initially thought that they could only afford a 60 years balance lease property for investment.

* Names have been altered for privacy


  • Couples in their 30s with two growing children below 12 years old stay in their first BTO Flat. 
  • Fully paid up HDB Loan and want to invest in 2nd property.


  • To buy a 2nd property for investment / passive income

Current Problem

  • Agonised over the loss when they found out 2nd property requires additional stamp duty and its limitation on the
    use of CPF.
  • That would mean with their hard-earned savings of 200K, they are constrained by the options in the next property purchase.
  • Though the HDB that has gained more than $150K increased in value, 1/3 of the capital gains return back to CPF account due to 2.5% accrued interest payable for the used amount in CPF compounded, until the property is sold.


  • To evaluate and weigh pros & cons of combine purchase
    vs 2 properties.
  • To identify the importance of first investment as stepping stone.


  • To sort out all options: Resale VS New Launch.
  • To identify highest possible rental yield on top of built-in profits that will help them to springboard to multiple properties after 3 years.

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