Landed vs Two Condos? How to Optimise CPF and Apply 99-1 Ownership for Better Growth | NOTG S4 Ep1

Video description from @notgpodcast

NOTG is back for Season 4! In this premiere episode, Melvin Lim, Shawn Tay, and Phyllis Goh from PropertyLimBrothers dive into a real-life case study: a couple earning $30K a month and debating their next big property move.

They talked about TDSR limits, CPF accrued interest, loan stretching, and the logic behind 99-1 ownership—with all the numbers breakdowns behind each option.

Find out how property-backed passive income can offer long-term peace of mind. If you’re planning your next move or just curious how real strategies play out, this is the perfect place to start.

00:00 Intro
01:30 Profile preview / AI Picture
02:40 Background
04:36 Financial Snapshot
05:50 Pros & Cons using CPF
08:17 Knowing your maximum budget
11:15 99-1 property scheme
14:26 Impact of tariffs
16:50 Stretch tenure
20:41 Showing funds to stretch the long amount
23:44 "Stretch tenure" meaning
27:30 Paying more interest if you do not stretch tenure
30:44 How much you should earn per month to own two properties?
32:35 Depending more on Active Income
36:59 $12K per month ENOUGH?!
39:43 Taking risk to own two properties
41:30 $4.2M, what will you buy?
46:08 Financial breakdown before buying a landed property
50:45 Donald Trump impression
51:02 Closing words
51:30 Outtakes

#PropertyLimBrothers​ #notg #podcast

---------------------------------------------

List of Links

PLB
Our Main Website: https://www.propertylimbrothers.com/
YouTube: https://www.youtube.com/@PropertyLimBrothers
Facebook: https://www.facebook.com/PropertyLimBrothers
Instagram: https://www.instagram.com/propertylimbrothers/
TikTok: https://www.tiktok.com/@propertylimbrothers

NOTG
Website: https://www.propertylimbrothers.com/notg-series
YouTube: https://www.youtube.com/@notgpodcast
Facebook: https://www.facebook.com/notgpodcast
Instagram: https://www.instagram.com/plb_notg/
TIkTok: https://www.tiktok.com/@notgpodcast
Telegram: https://t.me/notgpod

PLB INSIGHTS
YouTube: https://www.youtube.com/@PLBinsights
Website: https://plbinsights.com/read-all/
Facebook: https://www.facebook.com/insightsbyplb
Instagram: https://www.instagram.com/plb_insights/
Webinars: https://www.propertylimbrothers.com/webinars/

Melvin
About Melvin: https://www.propertylimbrothers.com/our-story/
Facebook: https://www.facebook.com/melvinlimwk
Instagram: https://www.instagram.com/melvin_propertylimbrothers/
LinkedIn: https://www.linkedin.com/in/melvin-propertylimbrothers/

TO LIST YOUR PROPERTY
https://www.propertylimbrothers.com

CONTACT PLB HOTLINE AT
https://wa.me/6597457388

NUGGETS ON THE GO
Spotify: https://spoti.fi/3u8UFsR
Apple Podcast: https://apple.co/3cvBaEH

SOFA SO GOOD
Spotify: https://spoti.fi/2PdqqSs
Apple Podcast: https://bit.ly/plb-sofasogood

Disclaimer of NOTG Podcast:
https://propertylimbrothers.com/disclaimers-copyright/

"This podcast is for informational and entertainment purposes only. The views and opinions expressed on this podcast are solely those of the host and guests, and do not necessarily reflect the views, opinions or positions of any individuals, organizations or companies mentioned or discussed on the show.

The content provided on this podcast is not intended to and does not constitute legal, financial, or professional advice, and is not a substitute for professional advice. Listeners should not act upon any information provided on this podcast without seeking advice from a professional.

The host and guests on this podcast make no representations as to the accuracy or completeness of any information on this show or found by following any links mentioned on this show. The host and guests will not be liable for any errors or omissions in this information nor for the availability of this information. The host and guests will not be liable for any losses, injuries, or damages from the display or use of this information.

Listeners of this podcast assume all risks and responsibilities for any actions taken based on the information provided on this podcast. The host and guests disclaim any liability for any claims or damages that may arise from reliance on the information provided on this podcast."