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Hi,

Thank you for your query!
Initial cash outlay:
Depending on loan : 80/90%,
Cash payable : 20/10%, use of CASH AND CPF.
Buyer Stamp Duty 3%
ABSD PR, Legal Fees & Val Fees
1% Agent Fees

As this is your first time purchase, it is apt to have yourself guided and walked step by step to ensure you do not overpay in the process of unfamiliarity and shortchange yourself on a good deal and paperwork conditions etc. As a realtor with years of experience and awards, it is my duty to assist you on leveraging on the weak market to pick out a unit as per your requirements and conduct negotiation. You can easily asses my proven track record and recent coveted awards & testimonial on my website to ascertain the commitment, dedication and integrity I uphold in representing my client's welfare and interest to get them the best possible deal.

Let's speak further at 96659926  to discuss more comprehensively on the crux of your requirements & expectations- to enable me to deliver a more accurate financial projection and breakdown of cash flow for your purchase after understanding your finances succinctly, so as to explore the possible options accordingly at no obligation. I will walk you through the entire purchase- from shortlisting, to negotiation, to establishing loan matters and working out finances (cash/cpf/progressive payment), paperwork, sorting legal matters, providing you with recent up to date transaction caveats for benchmark pricing as well as furnish you with a customized sales report & indicative valuations.

If you are comfortable with my working style, I am more than glad and confident to work for your interest to to guide to you to your ideal property.

D Kumar
 +65 96659926 
ERA Associate Division Director
www.kumarrai.com

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

ERA 2015 Q1 Top Achievers (Top1% of ERA)
ERA Top Achievers 2013/14
ERA Multi-Million Dollar Club Award
2014 ERA Asia-Pacific Business Conference Elite Award

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Hi Leonard,

Yes you are eligible up to 40k 1st-timer CPF housing grant. Yep, now its a good time to apply online for the HLE and also to commence house search.

Typical breakdown as follows:
CPF 10%
Max HDB loan 90%
Stamp duties and conveyancing approx 3%
Agent commission 1%+GST

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,
Ivan Ng ERA ASAP
(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) Read More

Afternoon Leonard,

As you are SC and first time getting a HDB unit, you are eligible for S$40k grant. It would be good to apply for HLE to understand how much loan you are eligible for. With that, we can plan towards getting something within your requirement.

Do feel free to contact me for detail discussion.

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

Hi Leonard,

First, apply for a HLE online. Second, you may write to gavin.ng@orangetee.com or call 9620 0827  , we will advise on the financial commitment and the process in buying the HDB.

Gavin Read More

Dear Leonard,

Yes, you are eligible for $40k grant and you can apply for HLE via the link below
https://services2.hdb.gov.sg/webapp/BP27AWHLEApplication/BP27SHome

Typically, it may take within 1 to 2 weeks for the HLE to be approved. Therefore, you may start to search for suitable unit right now.

I do have a couple of unit sale at Punggol right now and I can show you when you are available.

Feel free to contact me should you need my assistance.

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

Hi Leonard,

Congratulations on getting your Pink IC!

And yes, you're eligible for CPF housing grant of $40k for first timer, and since you're now SC, you need not pay ABSD of 5% too!

With your income and age (i assume you're young?), I think you should not have a problem with your loan. I will need more information from you before I can provide you with the appropriate advice.

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

Hi,

RE: SINGAPORE PROFESSIONAL REALTOR SERVICES BY “ONASSIS GAN” – SGAGENT.COM

I would be glad to partner you in this HDB purchasing assignment. Do share more details before I can do any matching for you.

Onassis Gan | R021244C | Today’s SG Professional l SGAgent.com & SGRealtor.com
ACTA (Full); PDCE (Singapore); MSc BIT(Middlesex); BBA (South Australia)

Singapore Line : (+65) 92222389 
Malaysia Line: (+60) 111-0788889
Email: onassis@sgagent.com / sgrealtor.com
Skype: incomecare

SGAUCTION.COM & SGDEAL.COM - "ONASSIS GAN" Trusted 100% by SG Property Owners- Exclusive Sales Team Read More