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Hi

You can try to work out with the bank to see if you can get a higher loan amount to make up the difference, especially if you have received a one off bonus recently. Or try discuss with the banker the show funds method, to see if it helps to bump up the loan amount. Or try to see if personal loan is available.

If its workable, however there will be a cancellation penalty since the first loan cannot be disbursed. But it is likely better than to miss out on the property altogether.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 home-owners to smoothly complete 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 Achiever

SIEA's Salespersons Achievement Award (Platinum) 2025
SEAA Salesperson Achievement Award (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 226th Achiever in 2nd Quarter 2025 (Top 3% Company Level)
ERA Top 11th Achiever in Feb 2024 (Top 1% Company Level)
ERA Top 64th Achiever in March 2024 (Top 1% Company Level)
ERA Top 37th Achiever in Oct 2023 (Top 1% Company Level)
ERA Top 93th Achiever for Full-Year 2020 (Top 1% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
Email: Ivanng10@gmail.com
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CEA: R052114D

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✔1 HDB’s position is final. Singles below 35 do not qualify for the Proximity Housing Grant, and once the appeal is rejected, the 15k cannot be recovered from HDB.

✔2 Because your agent repeatedly assured you that the PHG would be granted and you planned your budget based on that assurance, you MAY WANT TO **clearly request a deduction from the agent’s commission** to offset this 15k shortfall.

✔3 An agent has no authority to guarantee any HDB grant. Grants are approved solely by HDB, so giving firm assurance was inappropriate and misleading. The financial consequence should not rest entirely on you.

✔4 You may state plainly that the agent’s commission should be reduced or partially refunded because their incorrect advice directly caused your financial loss and wrong expectation.

✔5 If the agent refuses or you feel the conduct was highly unprofessional, you can lodge a complaint with the Council for Estate Agencies. Provide written proof such as messages or emails where the grant was assured.

✔6 Complete the purchase first to avoid further losses, then pursue the commission deduction or regulatory route separately.

As Warren Buffett once said, “Price is what you pay. Value is what you get.”
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

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IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.

WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255  , Property Agent (Director ) or via this link:

https://wa.me/6598569255

Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.

✔✔✔You can READ my REVIEWS here:Able S K Toh

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

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✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255  , Property Agent (Director )

✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com

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CHINESE VERSION // 中文版本

如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。

✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255 
WhatsApp：https://wa.me/6598569255

✔✔✔查看我的客户评价：
Able S K Toh,房地产经纪（董事) 诗强
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

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✔✔ 新加坡联系号码（ABLE TOH）/ 诗强：（65）9856-9255
✔✔ 电子邮箱：Able.selling@gmail.com

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