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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. By the way, given your income, you may like to consider private property.

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

Dear sir/madam,

Basing on an income of $10,000/month assuming that you have no other financial commitments, your loan eligibility can be up to $1.3m range (75% of the purchase price if at valuation or below), with balance 25% from your savings including CPF (take note you will need at least 5% cash for property purchase) should you be considering private residential properties.

To be fair, this is only 1 of the possible option, but basing on the assumption that you have existing cash and CPF savings for the purchase. To run through the options more accurately, it is important to know more about your finances that you plan to put in for this purchase such that we will be able to do the necessary map outs, including purchasing a resale HDB or even invest into a commercial or industrial property.

I have been in the real estate business since 2009, with more than 10years 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 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
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Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Hi,

1) For private, using TDSR you can get a max loan of up to $1.2M. So you should look into how much funds are on hand cash + CPF OA to determine the 25% down payment.
2) For HDB, using MSR you can get a max loan of up to $600k. If you are an SC, you may consider HDB flat since you are eligible under Single Citizen Scheme.
3) Note that you are not eligible for an HDB loan and housing grant due to the income ceiling.
4) So whether you choose to purchase HDB or private you will have to look into your available fund to decide the best option.
5) Note that since you can only loan from a private bank. You have to prepare a 25% down payment of which 5% must be solely cash.

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 There!

Thank you very much for your query!

Perhaps you can contact me at 96659926  for a non obligatory discussion for me to understand your requirements , specifications as well as finances on hand (Cash/CPF amalgamation) to be in a better position to conduct the financial calculations plan with payment breakdown timeline - in order to shortlist and construct a customised list of units in line with your requirements to explore, for you perusal.

The purchase of private property requires no agent fees and as such- I will walk you through the entire process from selecting developments/ units , arranging viewings, handling bank/loan liase, prepping the financial plan and timeline, as well as arrange for your legal processing matters and all paperwork at no cost. Furthermore, I will take the opportunity to run you run through :
(1) Key Financial Loan approval process for purchase (IPA) + Financial Computations/ Payment Breakdown
(2) Offer insights to the property market outlooks
(3) Explain the entire purchase procedural framework involved - what happens post option to purchase (OTP) , step by step
(4) Computing and sharing past and present transaction caveats, illustration of price analysis as well as churning a customised sales report with projected returns/ future approx capital gains % for you to observe and understand the value and residential capital appreciation yield. Thank You!

Visit my website for my recent accolades, awards and testimonials.

D Kumar
 +65 96659926 
ERA Associate Division Director

#1 team of ERA in Singapore, Asia Pacific International for 2014/5/6/7/8/9

ERA Top 300 Achievers 2015-2020
ERA Preeminent Group Top 100 2015-2020
ERA Multi-Million Dollar Club Award
ERA Asia-Pacific Business Conference Elite Award Read More

Dear Sir/Mdm,

Based on your income, a private property would be most advisable for you to enjoy the best capital appreciation.

Do note that there are certain developments to avoid due to factors such as overpriced, oversupply etc so it is important to either do your research or engage an experienced agent to assist you.

Feel free to contact me to discuss further. Have a great weekend!

Bhavina Kaur
ERA Realty

Mobile: +65 91708295 
Whatsapp: wa.me/6591708295
Email: bhavina7777@gmail.com
Facebook: Facebook.com/investbuysellrent
Transaction Monitoring Platform: 91708295  .eraagent.sg/realtywatch Read More