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Benjamin Loy Helping HDB owners upgrade to private property or grow their portfolio — without touching their savings.

08/10/2026

His name was on the property.

He was a joint tenant with his father.

So when Dad passed away, you might think:

The whole property becomes his.

But his three sisters sued him — and won.

A key fact in this Singapore case was that the father had paid 100% of the purchase price.

The court ultimately found that the four siblings each had a 25% beneficial interest.

The son was also ordered to pay $149,000 in legal costs.

房产证上有你的名字,

爸爸还是跟你联名共有。

爸爸走了以后,整间房当然就是你的?

不一定。

新加坡就有这样一个真实案例。

爸爸去世后,三个姐姐把弟弟告上法庭——

而且姐姐赢了。

其中一个关键是:

当年买这间房的钱,百分之百都是爸爸出的。

最后法院判定,

三个姐姐、一个弟弟,每个人拥有25%的实际权益。

弟弟还要承担 14万9千元的诉讼费。

07/10/2026

“Mum said this HDB would be mine.”

But when Mum passed away without a will, six children were left behind — and one daughter claimed the flat had been promised to her.

There was one important detail.

When Mum added her to the HDB previously, she wasn’t added as a co-owner.

She was only an occupier.

“妈妈说,这间HDB以后会留给我。”

可是妈妈突然去世,没有留下遗嘱,留下了6个孩子。

其中一个女儿说,妈妈生前已经答应把HDB留给她。

但有一个很关键的细节:

妈妈之前把她加入HDB的时候,

她并不是共同屋主(Co-owner),
而只是居住者(Occupier)。

06/10/2026

Your HDB is worth $1,000,000.

But that doesn’t mean you’ll walk away with $1,000,000 cash when you sell.

Example:

Sale price: $1,000,000
Outstanding housing loan: $300,000
CPF used + accrued interest to be refunded: $300,000

What’s potentially left in cash?

Around $400,000.

Of course, the CPF refund isn’t “lost money” — it goes back into your CPF Ordinary Account (OA).

你的HDB值 $100万,

不代表卖掉以后,你手上就有 $100万Cash。

举个简单的例子:

卖价:$1,000,000
剩余房贷:$300,000
已用CPF + 累计利息:$300,000

最后可能拿到手的Cash:

大约$400,000。

当然,退回CPF的钱并没有消失。

它还是你的钱,只是回到你的 CPF普通账户(OA)。

05/10/2026

Remember the $2.18M Telok Blangah HDB?

The asking price has now dropped to $1,999,999.

Cheaper? Yes.

Cheap? That’s a completely different question.

还记得那间开价 $218万的HDB 吗?

现在降到 $1,999,999。

便宜了$180K。

但降价,不代表便宜。

02/10/2026

I sold my property and “lost” $150,000.

Except… I actually made almost $300,000. 😂

I sold, took my profit and moved on.

One year later, the property had appreciated further. Had I held on, I could have made roughly another $150K.

Of course I thought:

“I should have waited.”

我卖掉一间房,感觉自己“亏”了 $150,000。

但其实那一单,我已经赚了差不多 $300,000。 😂

因为卖掉大约一年后,房价继续上涨。

如果当时多拿一年,我可能可以再多赚大约$150K。

当然会想:

“早知道就不要卖。”

01/10/2026

I made about $400,000 from my first property — an Executive Condo.

So am I saying ECs are bad?

Absolutely not.

What I’m saying is: your timeline matters.

我的第一间房就是EC。

最后我赚了大约 $400,000。

所以我是在说EC不好吗?

当然不是。

我要说的是——你的Timeline很重要。

29/09/2026

“If you never served NS, you’re not a real Singaporean.”

Then what about your mother?
Your grandmother?
Your sisters?
Your daughters?

Are they somehow “less Singaporean” because they didn’t serve NS?

Of course not.

“没有服过NS,就不算真正的Singaporean。”

那我想问——

你的妈妈呢?
你的阿嬷呢?
你的姐姐妹妹呢?
你的女儿呢?

她们没有服NS,
所以就比较不Singaporean?

当然不是.

28/09/2026

He waited one year and sold his property for $100,000 MORE.

Sounds like a great decision, right?

Not quite.

等了一年,房子终于多卖了$10万。

应该很开心,对吗?

结果算完以后——

反而多付了$10万。

Thomson Reserve previews mid-October. Before you book a showflat slot, here's what's actually working in this project's ...
27/09/2026

Thomson Reserve previews mid-October. Before you book a showflat slot, here's what's actually working in this project's favour — and what to go in with eyes open about.

The land economics are unusually clear. UOL locked in land at $1,179 psf ppr in December 2025. The smaller site 5 minutes away just sold at $1,612 psf ppr — 27% higher — and analysts are already estimating $3,000 psf at launch. Same catchment, meaningfully lower basis.

The developer track record is real. Same consortium behind Parktown Residence, which sold 90% on launch weekend. This isn't a first attempt.

And 57% of the project is 2-bedroom stock — built specifically for the HDB upgrader and the investor chasing rental depth. That's not an accident.

Full breakdown — land economics, unit mix, who this genuinely suits, and what to ask at the showflat — on the blog now.

Read more 👇
🔗 benjaminloy.com/blog/why-buy-thomson-reserve-mid-october-preview/

27/09/2026

Everyone seems to be doing better than you on social media.

Someone bought a landed property.
Someone got a new car.
Someone is flying Business Class.
Someone’s business is booming.

And suddenly you look at your own life and think:

“What am I doing wrong?”

Address

351 Braddell Road #03/03
Singapore
579713

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