19/08/2026
Most people ask us:
“How much downpayment do I need?”
But the downpayment is only one part of the property decision.
Before Andy and I buy any property, we calculate five important numbers:
1️⃣ The total cash and CPF required
2️⃣ The eventual full monthly holding cost
3️⃣ Whether the entry price is defendable
4️⃣ The selling price needed for a worthwhile net return
5️⃣ Whether the next buyer can realistically afford it
These calculations guided us from our first 570 sqft EC bought at $450K, to selected new launches and eventually landed.
Because a property can look affordable today but become stressful tomorrow.
It can show a large paper gain but produce a much smaller net profit after all the costs.
And it can be beautiful—but extremely difficult to sell if the future quantum becomes unaffordable.
We don’t only ask:
“Can we buy this?”
We ask:
“Can we hold it, exit it and progress from it?”
That is the difference between buying a property and building a property journey.
📩 Whatsapp “10 YEARS PROPERTY PLAN” to Andy & Joyce, and let’s calculate your next move before you commit.
Andy 96728378
Joyce 91463777
Save this and send it to someone planning to invest or upgrade.
For general education only. Individual calculations depend on finances, ownership, loan eligibility and applicable stamp duties.
