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Hi, yes it possible to purchase a resale 4room. The most ideal way is for you to apply for a HFE first, which will tell you the exact grant amount as well as loan you can get.

If you are currently or planning to find a property agent, I can assist.

If you are interested in prices of houses in your neighbourhood, you may visit this website to find out more or contact me .

https://www.era.com.sg/R064892F

If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.

Landon Chew
97 39 60 40
landonchew@email.com Read More

Hi Chen,

Your loan numbers would likely be available after your HFE is approved. Housing loan is not by CPF but HDB.

I have been in the real estate business since 2009, with more than 14 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 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
Senior Division Associate Director
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
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Hi, appreciate your sharing. Best to use singpass to apply HFE or able to share banker contact for you to work out your maximum loan.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

hi,

I highly recommend applying for the HFE on the HDB website: https://www.hdb.gov.sg/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/application-for-an-hdb-flat-eligibility-hfe-letter

This will provide you with valuable insights into your loan eligibility, available grants, and help you determine the type of HDB houses within your affordability range.

Please feel free to reach out if you require an agent to guide you through the entire process.

Additionally, you're welcome to peruse the testimonials from my satisfied clients for further assurance.

This platform does not allow me to contact you directly so kindly contact me at
https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

Testimonial from Satisfied Clients
-- My husband and I wish to commend the sincere attitude and good customer service rendered by
your staff Jenny, who handled the sale of our 5R HDB flat early this year. We have met several
agents but none as genuine as Jenny. Being a seller agent, she took our interest at heart in handling
the sale, unlike other agents who are self-interest. Jenny is punctual and prompt in the whole
dealings and we were convinced that such an agent is hard for find nowadays. Jenny is a
trustworthy, honest, sincere and hardworking agent. We are happy with her service and would
gladly recommend her to our friends in future. Jenny is an asset to Propnex and the organisation
should value her. Thank you Jenny for her efforts--
Mr and Mrs Soo (HDB seller)

--Jenny is very committed and responsive to her clients and she has spent hours updating them and
looking out for great deals and even tailor-made property proposal geared towards their needs. Will
certainly refer her to others and will definitely approach her again in her future--
Nick and Kim (New launch buyer)

--Jenny did a great job helping my wife and I sell our unit. She took active steps to walk our
neighbourhood to understand what she was marketing. During the marketing period, she managed
potential buyers and provided timely updates and recommendations so we could stay on top of the
process. Overall, Jenny was professional and helped us to achieve a positive result which we are very
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also patient and client-centered throughout the process of finding a home that met our criteria. As a
first-time home buyer, we appreciate how she went out of her way to explain the process and
answer questions we had--
Samantha (Resale condo buyer) Read More

Buying a Resale HDB 4-Room Flat:

With your estimated loan eligibility and CPF savings, here's a general process for buying a resale HDB 4-room flat:

HDB Flat Eligibility (HFE) Letter: Apply for an HFE letter from HDB to confirm your eligibility for buying a resale flat and the loan amount you can potentially qualify for. (https://www.hdb.gov.sg/business/estate-agents-and-salespersons/buying-a-resale-flat/eligibility)
Search for a Flat: Browse resale listings on HDB's website or through property portals like 99.co (https://www.99.co/) or PropertyGuru (https://www.propertyguru.com.sg/). Consider factors like location, size, condition, and price.
Affordability Assessment: Ensure the chosen flat's price aligns with your loan eligibility and CPF savings. Factor in down payment (typically 25% for resale flats) and other associated costs (stamp duty, legal fees).
Offer and Sale: If you find a suitable flat, make an offer to the seller through an agent. Upon successful negotiation and agreement, proceed with the sale process, which involves signing the Agreement for Sale and Purchase (ASP).
Additional Tips:

Consider consulting a property agent to guide you through the process and negotiate a better deal.
Use CPF housing grants for singles (if applicable) to further reduce your down payment or monthly mortgage installments. You can check your eligibility here: (https://www.hdb.gov.sg/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/flat-and-grant-eligibility/singles/cpf-housing-grant-for-resale-flats-singles)
Be mindful of additional costs like renovation expenses and potential maintenance fees.
By following these steps and conducting thorough research, you can increase your chances of successfully purchasing a resale HDB 4-room flat as a single applicant.

Disclaimer: This information is for general guidance only. It's advisable to consult HDB directly or a qualified financial advisor for personalized advice tailored to your specific situation.
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