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Property 3-Tier
Housing Ownership Management & Estate™

Landed Homeowners.

"Your landed property is your family’s biggest asset - but also carries the biggest inheritance risks."

 

Landed homes often carry high values and multiple beneficiaries, which may trigger forced sales under Faraid if not structured properly.

We help landed property owners:

  • Identify ownership structures that may cause family conflict.

  • Plan ahead to avoid forced selling due to divided shares.

  • Apply Hibah, Wasiat, Trust or family buyout strategies.

  • Ensure multi-generational property preservation while fulfilling Faraid obligations.

Protect your landed home – a home that stays within your family line peacefully.

Condo Homeowners.

"Modern ownership requires modern Syariah-compliant planning."

 

Condo properties bring unique inheritance risks – from joint tenancy conflicts to unresolved mortgages.

We help condo owners:

  • Restructure ownership to align with Faraid (where needed).

  • Plan for outstanding mortgage obligations upon death.

  • Combine CPF usage reviews with Faraid distribution scenarios.

  • Implement Hibah or Wasiat solutions to protect spouses and children.

Secure your family’s condo investment from future disputes and protect loved ones from unintended consequences.

Condo Homeowners.

"Modern ownership requires modern Syariah-compliant planning."

 

Condo properties bring unique inheritance risks — from joint tenancy conflicts to unresolved mortgages.

We help condo owners:

  • Restructure ownership to align with Faraid (where needed).

  • Plan for outstanding mortgage obligations upon death.

  • Combine CPF usage reviews with Faraid distribution scenarios.

  • Implement Hibah or Wasiat solutions to protect spouses and children.

Secure your family’s condo investment from future disputes and protect loved ones from unintended consequences.

HDB Homeowners.

"Even public housing needs private planning."

 

Many assume HDB flats are safe by default – but joint tenancy and CPF can create major inheritance issues.

We help HDB owners:

  • Understand how CPF refunds are treated under Faraid.

  • Review joint ownership risks that may bypass rightful heirs.

  • Structure ownership in alignment with both HDB rules and Islamic obligations.

  • Prepare affordable Wasiat & Hibah solutions that fit HDB family scenarios.

Preserve your flat as a foundation for your family — and prevent unnecessary conflict or hardship after you’re gone.

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Sarah Brigita CEO - Asgard Financial .Inc

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Sarah Brigita CEO - Asgard Financial .Inc

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