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The down payment payable is based on the purchase price or valuation price, whichever is higher.

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Mike Lim
 96929209 
R026708F
m52i@yahoo.com
ERA Read More

Before grant. There are quite a number of other payable items that you need to consider besides the downpayment though.

I'm a Harvard graduated real estate agent with a degree in economics, and have supported clients on more than $1 billion in transactions. I can help with sourcing, viewing, own-stay & investment analysis, market comparatives, timeline planning, safe entry pricing and more. Feel free to reach out!

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

It is based on the purchase price or valuation, whichever is higher.

——

I have been in the real estate business since 2009, with more than 15 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 15,900 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!

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 +65 92787772 
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Good Day!
Give me a call at 81027317  and i can highlight to you the payment schedules and common mistakes to look out for!

rgs, anthea Read More

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

Hi,

1) The 25% downpayment is referring to the valuation value of the property.
2) For example, after negotiation with the seller. The agreed price is $500k.
3) After valuation, it indicated that this property worth $480k.
4) The 25% downpayment would be 25% x $480k = $120k.
5) The additional $20k is considered cash-over-valuation which needs to be pay by cash only. It means that you agreed to pay a premium for this unit.
6) The grants provided can form part of the 25% downpayment if not all.

All The Best!!!

Hope the above answers your main concerns, but if there are more queries, 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://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/

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Hi

It is 25% of the higher of either the price or valuation. Grants just go toward offsetting this amount, so you need not pay the full 25%. The majority of the payments is payable closer to legal completion date.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Multiple Diamond Award Achiever

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Hi it seems like you are confused over the financial calculation.

I can do a FOC calculation for you to clear your doubts.

Do contact me at 8299 8262  for more information.

About Me:
I am a dedicated and knowledgeable real estate professional committed to helping clients find their dream property or secure the best value for their investments. With a strong understanding of the local market trends, personalized service, and transparent communication, I strive to make the buying, selling, or renting process smooth and stress-free. Whether you're a first-time homebuyer, an investor, or looking to upgrade, I’m here to guide you every step of the way. Let’s connect and turn your property goals into reality!

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1. Your downpayment is calculated on the **higher figure** between the agreed purchase price and the property’s valuation.

2. If the agreed price is higher than valuation, the **difference (cash-over-valuation)** must be paid in cash—it cannot be covered by a loan or CPF.

3. Housing grants can be used to offset part of your downpayment, with most of the payment due closer to the legal completion date.

“An investment in knowledge pays the best interest.” — Benjamin Franklin
WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

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