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Hi Ms. Siti,

If you are considering for purchase, main issues to look out for will be how much renovation will be required, the facing and the environment. Generally, when you do your viewings you will have an gut feeling whether the unit fits your profile. An agent can assist by helping you to understand and narrow down your main requirements, negotiating a better price for you and point out the areas to look out for out in a unit.

Cash portion for a unit depends on how much CPF & loan you can utilize. Generally the cash portion of the purchase comes from the Cash-over-Valuation (if any), HDB application fees, agent commission fees, and renovation works. Thanks and hope to be able to assist further.

Warm regards,
Ivan ERA
 97432395 
ivanng10@gmail.com Read More

Hi Ms Siti,

If you look closer at the financial commitments between a resale and BTO unit, they are similar except that all financial commitments come immediate upon exercising the Option To Purchase. If you havedone sufficient homework, chances of forking out high COVs will be minimal as you will probably not pay much more than the last few transactions within the same enclave. More importantly is if you are able to secure the necessary loan for this purchase and this loan amount on top of your CPF and cash component added up will allow you to secure a unit of choice within the location you are considering. Who knows you may end up with a unit much cheaper than a BTO considering the location as well.

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Regards,

Geryl LIM

Real Estate Director

Masters Of Real Estate

M.O.R.E Property Pte Ltd (L3010548F)

CEA Reg R014783H

Mobile: +65-81577565  /+65-92787772

Email: geryl7772@gmail.com Read More

Hi Siti, with the present weak market sentiment, you will definitely be able to find many good buy units than having to wait 4 long years for a BTO unit. And if you are eligible for HLE loan, then you do not really need to fork out much cash. Pls feel free to let me know if you need any assistance.

Regards
Aaron
 97308455 
aaronchong2774@yahoo.com.sg Read More

Hi Siti
4 yrs is indeed a long wait. You might consider resales as the current market situation might give you opportunities to search for your prefer location and design. I can send you a financial calculation if you want. Do write to me at silviac@singnet.com.sg or call me at 9750 8318  if you need further assistance.
Silvia Chua , ERA, 9750 8318  Read More

Hi Siti.
Give me a ring or text for a detailed discussion. Let me assist you in the whole buying process.
I am reachable via 91442664 
Tricia Tan
Call/Watsapp : 65 91442664  Read More