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Hi, yes you stand a chance to buy a resale HDB still, you can firstly go apply for an HFE which will show you the range of houses you can buy within what budget based on your financial situation. You can submit an appeal, but usually if there's no special situation, it will not get granted.

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

Hi,

Yes you can consider older 3-room hdb resale in some estates, around 400k. May I know how much cash you have set aside for the purchase as well? You can try for the appeal but exceeding by 1k chances may be slim.

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

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Hi, appreciate your sharing. You can purchase but using bank loan without any grants.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

YES U CAN > APPLY HFE IST , > THEN USE BANK LOAN :)
WhatsApp me at: ABLE Toh (65) 98 56 92 55 or through this link.:https://wa.me/6598569255

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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

https://linktr.ee/peiproperty
https://r011838b.propnex.net Read More

The absolute figure looks like $400,000, meaning you may not have that many choices for resale 3room flat with fresher lease balance. You can definitely try appealing for HDB loan. No harm done.

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!

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Geryl Lim
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Email: geryl.lim@orangetee.com / geryl7772@gmail.com
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Hi,

1) It is strange that your IPA only has $250k.
2) According to the MSR calculation, when your monthly income of $8k, you are supposed to be able to get a maximum of $448k.
3) You may want to check with the bank about what can you do to increase your housing loan.
4) With a budget of $400k, your choice would be limited to 3-room or 4-room improved flats (~80+ sqm).
5) It is unlikely that the HDB would approve your appeal unless there is a strong and valid reason. The HDB is quite conservative in releasing HDB loans.

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

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 
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https://R056727F.propnex.net/
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https://www.linkedin.com/in/ckling/ Read More

Hello,

- Since your monthly income exceeds the $7,000 cap, you won't qualify for an HDB loan, but you can still buy a resale flat using a bank loan.
- With an In-Principle Approval (IPA) from DBS for $250k and your CPF OA savings of $150k, your total available funds are $400k.
- This amount can be sufficient for a resale HDB flat, depending on the location, size, and condition of the property you're considering.
- Appeals to HDB for loan eligibility are generally not successful if the income criteria are not met, but it’s always worth a try if there are exceptional circumstances.

For detailed guidance and to explore properties within your budget, feel free to reach out. Thank you.

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Hi,

Yes, it's still possible for you to purchase a resale HDB flat if you have sufficient Cash set aside for 5% downpayment of the HDB flat.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More