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Yes, your finances are healthy so there are many 4rm options that you can afford. Happy to run through the choices with you together and work out the plan for your home purchase!

I'm a Harvard graduated real estate agent with a degree in economics, and have supported clients on more than $1 billion in transactions. I can help with sourcing, viewing, own-stay & investment analysis, market comparatives, timeline planning, safe entry pricing and more.

Please reach out via my contact below

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Quite possible unless you are referring to locations like Bishan, Toa Payoh, Central area... Read More

Hi,

1) You may get a housing loan of around $280k with maximum 20 years loan tenure. Plus CPF of $200k, you can have a minimum budget of $480k.
2) Currently a 4-room flat is ranging from $560k onwards depending on location and level.
3) You properly have to include most of your cash saving to get a reasonable locaiton floor level.
4) You have to decide which estate before I could advise whether it is within or out of your budget.

All The Best!!!

Hope the above answer to your main concerns, but if there are more query, please feel free to contact me at 90110636  , or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

Note:
Any response to our answer does not reach us until we scroll through each and every query posted daily.
The best way to get a follow-up is to Whatsapp or email us directly. Read More

Good day to you.

You can use your CPF OA funds for the purchase of an HDB unit that was constructed from 1977 onwards. The total loan amount you qualify for, including the Housing Grant amounts, can also be found in your HFE letter. With all this information, we can develop a suitable plan based on your desired lifestyle.

Navigating a property transaction can feel overwhelming, especially when tied to major life events. As a property consultant with 15 years of experience, I am here to provide not just market knowledge, but also peace of mind.
I specialize in sensitive property matters, offering expert guidance on:

Divorce & Asset Settlement: Helping you achieve a smooth and equitable outcome for your shared properties.
Intestate & Estate Planning: Simplifying the complexities of planning for the future or handling inherited property.
Complex Situations: From Lasting Power of Attorney to bankruptcy cases, I offer clear solutions to your specific challenges.

Ready to find clarity? Contact me for a free consultation today and let’s discuss how I can help you secure a confident future.

Regards
Mike Lim
Mobile: 96929209 
email: m52i@yahoo.com
R026708F
ERA

You can also follow my short videos for more tips:
https://www.youtube.com/@SGHomeCompass Read More

Hi

If you do not have other loan installments obligations, and with good credit score, your max loan based on info shared should be approximately $308k based on 20 year loan tenure. This coupled with your CPF funds and cash, you should be able to purchase hdb flats with price range around 775k +/-

There are certain locations in the outer areas which can fit your financial plan. May I know which region and estate you are looking at?

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Multiple Diamond Award Achiever

SEAA Salesperson Achievement Award (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 11th Achiever in Feb 2024 (Top 1% Company Level)
ERA Top 64th Achiever in March 2024 (Top 1% Company Level)
ERA Top 37th Achiever in Oct 2023 (Top 1% Company Level)
ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
ERA Top 11th Achiever in June 2020 (Top 1% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
Whatsapp: wa.me/6597432395
Email: Ivanng10@gmail.com
IG: instagram.com/ivanngrealtor
WeChat: ivanng10
FB: fb.com/IvanNgRealtor
Web: https://propertyportal.era.com.sg/agent/detail/R052114D
(Client's Testimonials)
CEA: R052114D

**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! ** Read More

It is possible for certain locations. Do contact me at 97970200  to understand more and discuss.

Mark, your RIGHT choice
Propnex Read More

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

Hi yes, possible in most places

Do contact me, can learn more of your requirements and shortlist some units for you.

Thank you Read More

(✔1) Your financial position is solid, which means several 4-room flat choices are realistically within reach. We can review them calmly and plan step by step.

(✔2) With an estimated loan of about $290k over up to 20 years and around $200k in CPF, your starting buying power is roughly $490k.

(✔3) Most 4-room resale flats are now priced from about $570k upwards, varying by town, floor height, and flat attributes.

(✔4) To secure a better location or higher floor, you should expect to top up with a significant portion of cash savings.

(✔5) Once you shortlist your preferred estate, I can clearly advise whether the numbers work and suggest the best buying strategy.

(✔6) In Singapore’s current market, timing your purchase around grant eligibility, lease balance, and future resale value can greatly impact long-term affordability.

Summary: You are financially ready, but location choice, cash planning, and timing will determine how comfortably you secure a good 4-room flat.

“Plans are nothing; planning is everything.” — Dwight D. Eisenhower
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

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IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.

WhatsApp me at ✔✔ ABLE TOH (65) 9856-9255  , Property Agent (Director ) or via this link:

https://wa.me/6598569255

Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.

✔✔✔You can READ my REVIEWS here:Able S K Toh

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

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For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.

✔✔ Connect Singapore Line (ABLE TOH): (65) 9856-9255  , Property Agent (Director )

✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com

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如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。

✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65）9856-9255
WhatsApp：https://wa.me/6598569255

✔✔✔查看我的客户评价：
Able S K Toh,房地产经纪（董事) 诗强
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

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