How did some HDB Homeowners upgrade to a private property without forking out any cash?


Like most HDB Homeowners, you are probably using your CPF to pay off your HDB loan...
Many do not realise that Locking your CPF in your HDB has an adverse effect on your financial portfolio!

That is 5% opportunity costs you are losing each and every year! In dollar terms, for every $200k locked up in your property, you would have lost $53,200 of your money in a matter of 5 years.
JAY PECK
Jay is a dynamic real estate professional, focusing to exceed his client's expectations. To him, real estate builds wealth consistently, and the right property can determine a man’s asset wealth in the short span of 5 to 10 years’ time.
Investor sentiment has soured on the real estate sector, and being a renowned strategist, Jay is well-engaged in spotting undervalued properties with great capital growth within 5-10 years’ time.
Apart from his business expertise, Jay’s clients receive the utmost care & attention throughout the whole the whole process. He listens diligently to clients’ real estate needs, and helps them achieve their current goals to prepare for the ever changing real estate market.

Client Testimonials
Way to go, Jay! You're so helpful and informative! My wife and I learnt so much from this whole experience. We thought we could only afford a bigger resale flat, but you showed us the way of owning 2 private properties! Thank you so much for being my life-changer! You deserve the absolute best! Highly recommend anyone to look for Jay in regards to real estate.
- Bruce See
Before meeting Jay, our HDB flat was left on the listing for more than 6 months. It was an extremely stressful process... After connecting with Jay through Facebook, he managed to sell our flat within 3 weeks at our desired price! Now, we are proud owners of a 3 bedder condo in Serangoon. Thank you, Jay. We are very grateful.
- Julie Tham