Justin Kong - Real Estate Strategist

Justin Kong - Real Estate Strategist Your trusted real estate strategist, helping homeowners spot winning properties while minimising risk
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Hey there 👋 I’m Justin, and I believe property should 𝗲𝗺𝗽𝗼𝘄𝗲𝗿 𝘆𝗼𝘂𝗿 𝗳𝘂𝘁𝘂𝗿𝗲, not overwhelm you. I guide everyday Singaporeans through their biggest property moves with 𝗰𝗹𝗮𝗿𝗶𝘁𝘆, 𝘀𝘁𝗿𝗮𝘁𝗲𝗴𝘆, 𝗮𝗻𝗱 𝗰𝗮𝗿𝗲. I use a proven system that has helped many grow their wealth confidently. As a team leader, I’m also 𝗽𝗮𝘀𝘀𝗶𝗼𝗻𝗮𝘁𝗲 about training both aspiring and experienced agents to become top achievers in a supportive,

𝗵𝗶𝗴𝗵-𝗽𝗲𝗿𝗳𝗼𝗿𝗺𝗮𝗻𝗰𝗲 𝗲𝗻𝘃𝗶𝗿𝗼𝗻𝗺𝗲𝗻𝘁.

📘 Message me for my free eBook or reach out if you're curious about what our team can offer.

Today we acknowledge the challenges we face in our everyday life and work.The need to change and the change must focus o...
30/04/2026

Today we acknowledge the challenges we face in our everyday life and work.

The need to change and the change must focus on our desired outcome!

27/04/2026

Looking back at 2025, grateful for the milestones achieved and the lessons learnt

More than results, this year was about unlearning, adapting, and staying relevant

Choosing to take action even when things were not fully clear

Still a long journey ahead, but always moving forward.


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27/04/2026

Looking back at 2025, grateful for the milestones achieved and the lessons learnt

More than results, this year reinforced the importance of unlearning, adapting, and staying relevant in a constantly evolving market

It’s about continuously embracing new knowledge, refining strategies, and taking action even when the path is not fully clear

Thankful for the trust from clients, and for the people around me who continue to support and challenge growth

Also a meaningful moment to reconnect with industry friends and reflect on the journey

Always learning, always improving, and looking forward to what’s ahead



22/04/2026

So can we safely say resale HDB always makes money?

Not really.

Let’s say you made $50K over 10 years.

On paper, that looks like a gain.

But when you break it down,
that’s roughly around 1% per annum.

Not even enough to cover inflation or CPF accrued interest.

And on top of that,
you may still need to use your own cash savings for your next property.

Now let’s compare this with BTO.

Under normal conditions,
it is very rare to see BTO owners sell below market value.

Because when surrounding units transact higher,
your price is supported by the market.

So the real question isn’t resale vs BTO.

It’s your objective.

If convenience and space matter more,
resale may be the right choice for you.

But if your goal is to build wealth safely through property
and progressively upgrade…

Then your first HDB decision becomes very important.

Don’t be in a position where you want to upgrade…
but your starting point holds you back.

Why I’m sharing this is because
I’ve seen many buyers make decisions based on convenience or emotion,
without thinking about long-term impact.

If you want to understand how this applies to your situation before making a move,
comment HDB or drop me a message.



17/04/2026

In my previous post, I shared why your first HDB matters.

Let’s now look at a real example.

A 4-room flat in Sengkang.

Back in 2013, the average price was around $450K.

Fast forward 5 years.

Prices dropped to about $360K.

That’s a $90K difference.

Now imagine this.

At 30 years old:
Your income is higher.
Your CPF is stronger.
Your loan capacity has increased.

But instead of upgrading…
you’re stuck dealing with a loss.

Some choose not to sell.

Some planned to use the proceeds for their next home… but now can’t.

That’s where things slow down.

Now let’s flip the situation.

Another buyer enters at $360K.

5 years later, the price moves to about $500K.

Same flat. Same age. Same intention.

Different outcome.

The only difference?

Timing.

And the truth is…

Nobody can perfectly time the market.

But understanding where you are entering makes a big difference.

If you’re planning your first HDB and want clarity before making a move,
comment HDB or drop me a message.



16/04/2026

Same flat. Same location.

One buyer lost $90K.
Another gained.

The only difference?

Timing.

If you’re planning your first HDB, do you know where you’re entering?

Comment HDB.




14/04/2026

Most young couples make this mistake when buying their first HDB.

They focus on what feels right now.

More space.
Better location.
Immediate move-in.

And honestly… it makes sense.

But here’s the part many people don’t think about.

The real impact of your first HDB doesn’t show today.

It shows 5 to 10 years later.

When your income is higher.
Your CPF is stronger.
And you’re finally ready to upgrade.

But suddenly… you realise you can’t move.

Not because you don’t want to.

But because your first HDB already put you in a bad position.

That’s where many people get stuck.

And by the time they realise it…
it’s not easy to undo.

Why I want to share this with you is because
I’ve seen too many buyers focus on the “now”…
and overlook how this decision affects their future.

If you’re planning your first HDB and want clarity before making a move,
comment HDB or drop me a message.

I’ll help you understand your position before you commit.




06/04/2026

Had a conversation with a homeowner recently.

He told me:

“Prices are going up… so I think it’s safe to just hold for now.”

Honestly, that’s what most people are thinking today.

And it sounds logical.

But if you look back at previous cycles,
we’ve actually seen this pattern before.

Prices go up, confidence comes back…
and then the shift happens.

That’s where some owners get caught off guard.

Not because prices suddenly crash,
but because they misunderstood timing.

Some held too long.
Some waited too late.

And by the time they realised,
their options were already limited.

Right now, we may be entering a similar phase again.

The danger isn’t a crash.

It’s thinking this will continue.

That’s the part many people miss.

Why I’m sharing this with you is because
I’ve seen too many owners only realise this after they commit.

If you own a HDB and you’re unsure whether to hold or move,
comment HDB or drop me a message.

I’ll help you see where you stand before making any decision.



01/04/2026

Had a conversation with a buyer recently.

He told me:
“I think I’ll wait first… see how the market moves.”

Honestly, that’s what most people are thinking now.

And it sounds like the safer choice.

But here’s the part many don’t realise.

The property market doesn’t reward people who wait for certainty.

Right now, we’re in a very interesting phase.

Prices are relatively stable.
But newer launches are already more efficient in layout.

Which means:
You could be getting better units today
without paying the full premium yet.

The risk?

By the time the market feels “safe” again,
prices would have already adjusted.

And that’s when most people enter.

Too late.

That’s why timing isn’t about guessing the lowest price.

It’s about understanding where we are in the cycle.

If you’re thinking of buying but unsure whether to wait or move,
drop me a message or comment PLAN.

I’ll walk you through your numbers clearly so you don’t guess.



30/03/2026

On paper it’s $815k cheaper… but it might cost you more

Most buyers only realise this too late

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Singapore
310480

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