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Afternoon,

Since your current unit have being fully paid, the mortgage that you are applying for the purchase of private property will be considered as your first mortgage loan. LTV to maximum of 80%.

Do feel free to contact me should you require additional assistance.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More

Dear Sir,

Based on your information, this will be considered your first loan and LTV available will be 80%. Perhaps you could share more on your requirements, preferences, and most importantly, finances (Cash / CPF OA) on hand for me to be in a better position to advise further. With that in mind, I will be able to conduct a comprehensive financial cash calculations and progressive payments w timeline to asses which residence option will best suit your interest and property portfolio. Best, to take this step by step, with a long term perspective ; % scope of appreciation and capital gains in mind.

Furthermore, it will be apt for me to map out the live transaction caveats and illustrate the price analysis ( capital gain / rental & sales report ) to explain in depth more on the procedural framework involved. You can also take this opportunity to clear your enquiries and allow me to give you more market insights , and suggest alternatives to leverage on the weak market! To add, there is no agent fees involved ; so my consultation and service will come at no cost and you are walked step by step throughout the process. Do visit my website for my high level of awards and testimonials! Look forward to your reply!

D Kumar
 +65 96659926 
ERA Associate Division Director
www.kumarrai.com ( Recent Awards and Testimonials)

#1 team of ERA in Singapore, Asia Pacific International for 2014.

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2015 Feb/ April/May ERA Top Achievers
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Good afternoon & Happy New Year!

As you currently do not have any loan, it will be considered as a First Loan and LTV available will be 80%.

It will be good to speak to a banker to access the maximum loan value you may borrow so that you can work out your finances and know the price range to look at for your 2nd property.

I have bankers from various banks whom I can recommend to you to get an IPA done. Perhaps you could drop me a text and I will refer a few bankers to you.

Look forward to assisting you.

Bhavina Kaur
ERA Realty

M: +65 9170 8295 
E: bhavina7777@gmail.com
W: investbuysellrent.com
F: facebook.com/hellobhavina Read More

Hi

To get a loan assessment you may speak to a banker. The banker will advise you on the process and the various documentation requirements.

Should you have any other further queries, you may write to gavin.ng@orangetee.com

Regards

Gavin Read More

Dear Sir/Mdm,

As you no longer have any outstanding loan, you will be eligible for 80% loan.

I would like to highlight that if you will using CPF to fund the purchase, do take note of the minimum sum requirement.

The main factor affecting your loan will be the TDSR. It will be best for you to approach a banker to get a detail assessment. However, if you need a quick assessment, we have mobile apps that will be able to help you.

Hope that I have answered your question.

Feel free to contact me if you need any assistance.

Thanks and Regards
Johnny Goh
R018297H
Associate Group Director
OrangeTee.com Pte Ltd
Mobile: 90906267 
Email: johnny.goh@orangetee.com Read More

Good day sir / madam .

As per your question , the condo you have in mind is comsidered as first loan , LTV will be 80% , subject to TDSR which is your age and income and any other debts .

Allow me to share with you the pro and cons of having 2 property , your hdb plus the condo you have in mind .

If i am a position to choose , i will not go for 2 property ( rental route ) if i have to pay the very hefty ABSD .

Other costs are higher property tax rate for rental property as opposed to self stay property , income tax from rental income , condo maintainance fees or hdb conservancy depending which you plan to rent out , wear and tear repair of your home interior , agent fees , vacant months or bad paymaster tenant = no rental income , in short , very low rental yield for condos if have to pay ABSD .

Kindly contact me for a no obligations chat for your property needs .

No commission chargeable when i serve private property buyers .

My charges are 1% commission for exclusive selling rights ( sole agent ) to your hdb or 2% for open listing ( many agents ).

Joanne chia
Chia_joanne@yahoo.com.sg
Hp 8333 3327  Read More

Dear Sir/Mdm,

My fellow colleagues have replied you that you will be eligible for 80% loan. As for loan assessment, it wil be better to talk to a banker so that they can advise you on the eligible loan amount and the tenure that you will be entitled to.

I believe you intend to buy a 2nd property for investment. Would you be able to share with me more on your objectives so that I can provide you with further assistance.

There is downward pressure on rental yields and this will continue for the next 1-2 years as more supply are coming into the market. Therefore it is important for you to purchase the right product at the right location so that it will be a safer bet!

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS)
Cert-in-REA
(E) nick96444854@gmail.com
(W) www.nick-tan.com

Testimonial from Satisfied Clients (2015/2016)
“Nick is a responsible, efficient and excellent salesperson. He has very good knowledge of the real estate market and I benefitted a lot from his advice and sharing. He is extremely patient when guiding me through the buying process and I am happy to secure a dream house within my budget with his assistance. A highly recommended salesperson who made my house hunting journey a breeze.”
Ms Chia (Buyer)

“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.”
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We are very happy and satisfied with his services and will definitely recommend him to our friends and family in the future.”
Mr & Mrs Tan (Seller of Inter-Terrace House) Read More

Hi,

As the condo will be your first housing loan, you will be eligible to up to 80% of the property price.

However, do take note that there will be ABSD involved.

Have you looked at all other options available to you? Do you know that there might be a chance you may be able to avoid or save on ABSD altogether?

Would you like to know how I have helped many of my clients save on ABSD?

Should you need any further assistance in matters relating to property, please contact me at my mobile 9748 6305  . I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More