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Hi there,

You will need to do cash top up if you are looking to purchase beyond the loan amount indicated in the HFE.

You may reach me at 94507283  for further discussion and analysis.

Thank you

Gary Shien
 94507283 
ERA Realty Network Pte Ltd Read More

Good morning,

It depends on how much finances (cash or CPF OA funds) and housing grant you are eligible on top of your HFE/ IPA $400k.

Perhaps we work out your financial plan first before we proceeding with house hunting?

Best regards,

YT Tan
Property Kaki
You dream. I create. We make it happen!

Association of Chartered Certified Accountants Graduate
Singapore Accredited Mortgage Planner

Contact:
Mobile: 9111 51 71 (wa.me/6591115171)
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Do you have $100k of funds plus stamp duty and other miscellaneous fees on hand? Eligibility for loan is only the loan itself. If you have existing funds to use for purchase, then you can purchase in excess of the maximum loan amount.

I have been in the real estate business since 2009, with more than 14 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 9,400 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

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Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
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Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, yes it is possible while the rest would be the cash top up plus cpf.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

My Answer with regards to your Question:

In Singapore, if your eligibility is capped at $400k, you typically cannot purchase a property priced at $500k unless you can cover the difference with cash or other financing options. It's important to adhere to your eligibility limit to avoid financial strain or potential issues with lenders.

Whatsapp me at 9856 9255 

I am Sorry that This platform does not allow me to direct contact you.

You can reach me at https://wa.me/6598569255.

I am Happy to Help with No obligations! If you have any more questions or need assistance, FEEL GOOD to let me know. I am here for You! Cheers :)

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Hi Sir/Madam

I will be glad to assist
I am well versed in HDB and Private Property transaction and have done many transactions
Appreciate if you can contact me at (65) 9 6 6 0 8 5 0 8 with details of your unit
or click here https://bit.ly/WaSilvia to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9 6 6 0 8 5 0 8
Email: Silviayang8@gmail.com Read More

Hi,

1) Theoretically speaking, the maximum loan from the HDB is 80% of the value of the flat.
2) This means that you can buy a $500k flat with a loan of $400k. I can't see what is the issue on this.
3) You only need to confirm that you have sufficient funds for the 20% downpayment which is $100k.
4) You also need to be aware that you are subject to a $9,600 buyer stamp duty ($500k property) in this buying process.
5) There are legal fees and miscellaneous fees involved in the purchase. Do plan your finances carefully.
6) If the flat value is lower than $500k, for example, $480k, then your loan amount will be reduced accordingly as well; 80% of $480k.

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

Hope the above answers your main concerns, but if there are more queries, 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 Read More

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255
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(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

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For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

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Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

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