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Dear sir/mdm,

You can apply for HLE at https://iam.hdb.gov.sg/common/login?spcptracking=1668002881843__9610_7896a3b123d7. You will need a valid Singpass in order to apply for HLE. You will also need income documents to support the income assesment. Income considered

The following types of income/ allowance will not be considered for credit assessment:

Alimony/ maintenance fee
Bonuses
Claims/ reimbursement/ expenses
Director's fee
Dividend income/ interest from deposit accounts
Income from ad hoc overtime work
National Service allowance
Occupier’s income
Overseas cost of living allowance
Pension
Rental income
Scholarship overseas allowance

You can find out more on income guidelines at https://www.hdb.gov.sg/residential/buying-a-flat/financing-a-flat-purchase/application-for-an-hdb-loan-eligibility-hle-letter/income-guidelines-and-documents.

I have been in the real estate business since 2009, with more than 13 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.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Associate Group Director
Salesperson Registration No. R014783H
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
[main] +65 6471 8888  [mob] +65 81577565  [LDA] +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore

Pick up knowledge, skills and Real Estate concepts at https://www.facebook.com/RealEstateXcellence/

New Singapore Expatriates on facebook is up and running. Come join us at https://www.facebook.com/groups/newsgexpats/

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Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Hi,

The most accurate answer will be to apply for a HLE through HDB website.
It is free and non-obligatory to buy.

If you need further assistance, Pls contact me at 9754 5207  or wa.me/6597545207.

Thanks!

Brendan Bay
Associate Marketing Manager Read More

Hi,

1) There are fixed and variable incomes in your descriptions, thus it is difficult for me to provide an estimation of your possible loan.
2) It is advisable to submit your HLE application to get an accurate figure. You may submit your application via this link:
https://iam.hdb.gov.sg/common/login?spcptracking=1668998553723__8fdb_4045482a0afe

3) The only way to increase your HDB loan is to get a higher fixed income vs variable income. As variable income will suffer from a 30% haircut in mortgage loan calculation.
4) Adding more CPF contributions does not change the calculation component in MSR calculation.
5) The calculation components in MSR calculation are:
(a) Age
(b) Fixed income
(c) Variable income such as allowance, bonus, overtime, etc.

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

Hope the above answer 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:
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