Property Planning
A one-on-one session that answers BTO or resale, HDB or condo, and what you can really afford. We run your numbers through our HDB mortgage calculator live (TDSR, MSR, CPF use, monthly cashflow) so you walk in with a guess and walk out with a number.
HDB loan calculator
Live affordability check on your actual income. We model monthly payment, downpayment split between cash and CPF, MSR and TDSR at MAS limits, and the amortisation by year. By the end of the session, the BTO-or-resale, HDB-or-condo question has a number behind it instead of a hunch.
- MSR ≤ 30% and TDSR ≤ 55% checked against your real income
- Downpayment split (cash vs CPF OA) shown explicitly
- Full amortisation schedule so refinance timing is obvious
Key features
Here's what you get with our Property Planning service.
- Live affordability check on our HDB mortgage calculator
- TDSR and MSR worked out on your actual income
- CPF for property: OA use, accrued interest, the trade-offs
- HDB vs condo, side-by-side on the same numbers
- Property timeline and savings plan to your target purchase date
- Personalised roadmap you can revisit each year
The MoneyBees Planner
On top of the calculator above, we also bring up our full planner: your whole money life on one chart, age 30 to 99. Stack goals, stress-test life scenarios, and watch your trajectory change as we adjust the numbers together.
Is this service right for you?
Young couples planning their first BTO application
Anyone deciding between HDB and private property
First-time buyers wanting a clear affordability plan
Common questions
Answers to frequently asked questions about this service.
How long does the consultation process take?
An initial consultation typically takes 45-60 minutes. We use this time to understand your financial situation, goals, and concerns. After the first session, we prepare a personalised recommendation within 5 business days.
Do I need to prepare anything before our meeting?
It helps to have a general idea of your income, existing policies or investments, and any specific financial goals in mind. Don't worry if you're unsure. We'll guide you through everything during the session.
Is the initial consultation really free?
Yes, completely. Your first session is a no-strings conversation where we get to know your situation and you get to see if we're the right fit. No commitment required.
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Ready to get started with Property Planning?
Book a free consultation and let us help you take the next step toward your financial goals.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).