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Hi,

I would be most glad to assist you further and please feel free to let me know if you need any assistance. Have a good day ahead.

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

Hi

Buying a home requires prudent financial planning and you have taken the 1st step towards looking at you finance.

You may text 9620 0827  for a casual chat.

Warmest regards

Gavin Read More

Are you eligible for HDB Loan? You may wish to check on your Home Loan Eligibility for HDB home loan. Minimal cash can be planned for. By taking up a personal loan, your TDSR will be affected therefore your home loan amount from the bank will also be affected. In addition, HDB home loan from bank is based on 30% MSR instead of 60% TDSR.

Warmest regards,
Geryl Lim
Associate Deputy 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
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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,

1) The banking system in Singapore is very transparent. All bankers have a protocol to follow when coming to the mortgage loan.
2) The 1st thing they will do is to get a credit bureau report on the intended borrower. Thus your personal loan will be reflected on the credit bureau report.
3) Even if they submit your loan application, your mortgage loan will be reduced according to MSR. Thus you might not be able to get the 75% that you wished to get.
4) Either you save up some cash to prepare for future purchase or try to apply for citizenship to eligible for an HDB loan.
5) Once eligible to HLE, you will be getting greater financial assistance of 90% Loan-To-Value, in which the 10% can be entirely pay using CPF or grants available.

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

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Hi

Although it is possible, from my experience most banks will approve your loan well below TDSR limit especially for HDB units. I am specialised in HDB transactions and is able to assist on your plans. I will work out a customised plan for each of my client as there is no 'one size fits all' in dealing with HDB transactions. Do contact me at 93375051  for a free and non obligatory discussion on this.

Regards
Taufik Hussein
ERA Realty Network Pte Ltd Read More

Hi Mdm,

It is possible, but do speak to a banker on how to structure your personal loan, so as not to affect your TDSR and ensure that you will still be able to borrow the 75% from the bank.

Alternatively, you may wish to check if you could qualify for HDB loan instead.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require 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