Benjamin Loy

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

09/09/2026

You used the service. The work was done. Just pay what you owe.

What’s worse than owing someone $700?
Mocking them for chasing their own money and questioning their cash flow. 🤦🏻‍♂️


用了别人的服务，工作也完成了，
该付的钱，就付。

07/09/2026

Rolls-Royce. Yacht. Bungalow.

Does looking wealthy automatically make someone qualified to teach you how to become wealthy?

劳斯莱斯、游艇、大洋房。

一个人看起来很有钱，
就代表他有能力教你变有钱吗？

07/09/2026

The most dangerous scams don’t look like scams.

They look like opportunities.

Free dinners. Cheap lifestyle. Big houses. And eventually, a “money-making opportunity” that feels like you discovered it before everyone else.

最可怕的骗局，
看起来往往不像骗局。

它看起来更像是一个——机会。

免费吃饭、便宜消费、大房子……
最后再告诉你一个“别人还不知道的赚钱机会”。

Nobody handed you all three jobs at once.They just arrived together — roughly in your mid-30s to mid-40s — and stayed.Up...
06/09/2026

Nobody handed you all three jobs at once.

They just arrived together — roughly in your mid-30s to mid-40s — and stayed.

Upgrade the HDB.
Build your retirement.
Support your parents.
All from the same monthly budget. All at the same time.

The mistake most households make isn’t ignoring one of the three. It’s quietly letting retirement lose the competition every single month, because it’s the only one with no immediate deadline.

An upgrade forces itself onto your calendar.
A medical bill is urgent now.
Retirement savings is the one you can push to next month. And next month. And the month after that.
Until you’re in your 50s and the runway to fix it has shortened in a way that later contributions can’t fully make up for.

I wrote a framework for sequencing these three priorities deliberately — not sacrificing one, but being honest about which one flexes, and by how much, and when.

Including a real-numbers example: $12,000 household income, parental support, and what the difference between upgrading at TDSR maximum versus slightly below it actually looks like over a decade.

🔗 benjaminloy.com/blog/the-sandwich-generation-property-problem/

06/09/2026

Your reputation enters the room before you do.

You can lose a deal and earn another one.
You can lose money and make it back.

But once people stop trusting you, rebuilding that trust is much harder.

你的名声，比你先到。

少做一单，可以再赚。
钱亏了，也可以再赚回来。

但当别人不再相信你，
要重新建立那份信任，就没那么容易了。

When most couples buy their first home together, they spend weeks on the unit and the loan.They spend almost no time on ...
05/09/2026

When most couples buy their first home together, they spend weeks on the unit and the loan.

They spend almost no time on whose name goes on the title.

That decision — usually left to whatever the lawyer defaults to — can cost $200,000+ the day they want to buy a second property.

Here’s how it happens:

Singapore’s ABSD treats every individual as a buyer. Both names on your first property = both of you are second-property buyers the moment either name appears on a new purchase.

On a $1.2 million second property, that’s $240,000 in ABSD. Payable in cash. Before you get the keys.
The couples who avoid this aren’t the ones who found a clever loophole after the fact. They’re the ones who asked the question early enough that the answer was still cheap to act on.

Full breakdown — including what to do if you’ve already bought jointly and a second purchase is now on the table:

🔗 benjaminloy.com/blog/the-spouses-name-problem-in-property-ownership/

05/09/2026

Success has a funny way of changing people.

You close a big deal.
You start earning more.
You buy the car you wanted.
People start recognising you.

And slowly, you may start thinking you’re better than the people around you.

赚到钱了。
事业起来了。
买了好车。
别人开始认识你、尊重你。

这个时候，最容易忘记的，就是谦虚。

04/09/2026

How much is your time really worth?

We spend years chasing money…
but the one thing we can never earn back is time.

你的时间，值多少钱？

UOL and CapitaLand just paid $1.4 billion — $1,537 psf ppr — for a Bedok GLS site at New Upper Changi Road.That’s 13.8% ...
02/09/2026

UOL and CapitaLand just paid $1.4 billion — $1,537 psf ppr — for a Bedok GLS site at New Upper Changi Road.

That’s 13.8% above the next bid. 15.6% above a nearby Bedok site sold just 10 months ago.

Analysts are already flagging a likely launch price of $3,000–$3,200 psf.

Nearby Bedok Residences is transacting at a year-to-date median of $1,824 psf. That’s a 70% gap.
If you own an HDB flat in Bedok and crossed MOP in the past 4 years — you’re in the exact catchment this developer is betting on.

But a record land bid is a developer’s conviction, not a guarantee. There are 3,185 new private homes coming into this planning area by 2028 across four sites.
That supply picture matters as much as the headline number.

What it actually means for Bedok HDB owners, buyers watching the east, and what to watch next:

🔗 benjaminloy.com/blog/1537-psf-ppr-what-the-bedok-gls-bid-signals/

Most property content tells you why you should upgrade.This one is different.There are three situations where upgrading ...
02/09/2026

Most property content tells you why you should upgrade.

This one is different.

There are three situations where upgrading from HDB to condo right now is actually the wrong move — and they’re more common than you’d think:

1. Your CPF accrued interest means you’ll walk away with far less cash than the valuation suggests

2. Buying before selling means you need to pass TDSR with two mortgages running simultaneously — and most people haven’t checked if they can

3. You’ve just hit MOP but your flat’s remaining lease is already pushing the thresholds that restrict buyer financing

None of these mean “don’t upgrade.” They mean “not yet, and here’s what to fix first.”

Read more here:
🔗 benjaminloy.com/blog/3-types-of-hdb-owners-who-shouldnt-upgrade-now/

Address

351 Braddell Road #03/03
Singapore
579713

Telephone

81865466

Website

Alerts

Be the first to know and let us send you an email when Benjamin Loy posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Contact The Business

Send a message to Benjamin Loy:

Shortcuts

Share