5 Answers

Gavin Ng
Hi Terry

You may want to write to gavin.ng@orangetee.com.


Gavin Read More


Ivan Ng
Hi Terry,

If you have stayed in the hdb for 5 years or more, yes it looks possible based on the initial details shared, since you can manage the 20% downpayment. You may want to consider deferred payment scheme as the loan payments will only come in during TOP period, but the price will be slightly higher. Thereafter when you sell off your hdb and the sale proceeds return, you can use them to pay down the EC bank loan and also resale levy (if applicable).

May I know if you are referring to Hundred Palms Residences EC? I am part of the Developer's Appointed Team and quite familiar with ECs so will be glad to share more on the best approach for the upgrade. Is it possible if we can meet up at the showflat to discuss further?

May I have more info and requirements about your plans so to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,
(ASk Anything Property)
Proactive. Sincerity. Feedback.
SMU BBM (Finance), Magna Cum Laude

Email: Ivanng10@gmail.com
Contact: (+65) 97432395
Facebook Page: www.facebook.com/ASAProp
Website: http://www.ivanng10.com/clientreviews
(Client's Testimonials)

-- HDB BTO 4rm Sellers Mr. Farvin & Ms. Sel --

Ivan was the first agent that we met up with and right from the offset we had good vibes as he has a friendly personal approach, detailed working style and focuses on building the long-term relationship.

Our unit comes with its challenges but Ivan remained positive and had no qualms committing to our plans right from the start. It took only 6 weeks of aggressive marketing for him to secure a good offer which was a pleasant surprise in the end.

Ivan was always responsive and we had no worries to pass him the house keys. The whole process was transparent and hassle free, and he was always thinking from our point of view on how to make life easier for the client. He is a committed professional and has fast execution, so we felt assured that things are done well and we can entrust the sale process entirely to him.

--- HDB Flat Upgraders Mr. & Mrs. Lee ---

We decided to engage Ivan as our agent as we were impressed with how he answered the enquiries on property guru website.

He has helped us to find our ideal unit and also sold our current unit. He was very patient and never pushy when we were looking for our ideal unit. He would tell us that it is always important to find a unit that we really liked.

When it comes to selling of our unit, he was always prompt in arranging for viewings and he also tried his best to arrange and consolidate the viewings due to our time constraints. He is a reliable and prompt agent and is always willing to clarify any concerns and questions that we have.

Thanks Ivan! :) Read More


  • TL
    Appreciate your explanation Ivan.
    I'm axially waiting for sumang walk to be near parents. Still a long way though.
    Thank you.
Robbie Chen Chee Howe
Hi Terry,

It is good to know that you have saved enough for the 20% for the initial downpayment.

However, to determine if you are able to afford it, you will also need to find out how much you can loan. Your loan eligibility depends on 2 other factors:

1) your AGE
2) your Income (subjected to MSR/TDSR requirements)

By knowing the maximum loan that you can take, you can now plan your finances, and determine if you should proceed with the EC purchase.

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 and your partner in the current market.

Thank you.

Best regards,
Robbie Chen
9748 6305
PropNex Realty Read More


D. Kumar
Hi Terry,

The key to moving forward is establishing complete affordability. So it's good to move forward knowing your loan quantum. I can link you up with my bankers who will assist you with the approved loan , at no cost. If you have your own preferred banker, that's fine too. Following that, I will conduct the financial cash computations and progressive payments with timeline to illustrate the options you could consider.

Furthermore, there is NO agent fees involved! So you can take this opportunity to discuss more on your preferences & for me to give an entire overview and share more insights to the market, chart out the market price analysis and recent sales transaction caveats, work out comprehensive financial cash projections and provide you with up to date information to the procedural steps and its associated wings- financial (loan) , legal matters etc.

D Kumar
+65 96659926
ERA Associate Division Director

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

ERA 2015 Q1 Top Achievers (Top1% of ERA)
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Tricia Tan 陈丽子
Hi Buyer, please reach me via 91442664. Lets do a meet up so i can run you through the finance details.

I have assisted many to upgrading from a hdb to EC or condo
Tricia Tan 65 91442664 Read More