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Hi,

If you purchase under your sole name, the bsd+absd will be approx 8%. If you purchase as joint name 1st matrimonial couple, as a married couple, it will be approx 3% instead as IRAS remission is applicable. Loan attainable depends on your age, income and credit profile. Do have some recommendations for your plans. Thanks and hope to value-add to your housing plans further.

Warm Regards,
Ivan Ng ERA ASAP
(ASk Anything Property)
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Hi, for your case, the first thing I would suggest that you do is to get in touch with a banker. And that would determine the loan eligibility and the maximum loan that both of you could borrow up to. But if you are planning to loan under your own sole name, I'm afraid it is not possible as you do not have any payslip to show forth. And that has got to wait till you found a job.

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

Hi John,

Re: Our Preferred Experienced SG Professional

You need a min 6 months jobs to joint apply housing loan with your spouse. If not, bank will only consider your gf income for the housing loan.

Note: 5% additional buyer stamp duties will be occurred due to your PR status.

Call me now, we can explore further in detail.

I am contactable at 92222389  or onassis@sgrealtor.com.

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Hi NSman,

You'd need
1) 20% downpayment (at least 5% cash; 15% can be CPF)
2) BSD + ABSD + legal fees ~8% (can be paid with CPF; 5% can be refunded given that's your first matrimonial home)
3) you can loan up to 80%, but that depends on your age, income, debt obligations etc

Feel free to contact me at your convenience, and I can guide you on this.

Thanks and regards,
Teck Chuan, Ng
BBA (Finance), NUS
ERA Realty Network Pte Ltd
Mobile: 9137 4602  Read More

Hi Sir,

Based on a 1Mil Purchase Price:

- Downpayment: 5% cash = 50K, Next 15% CPF/CASH = 150K

- BSD / ABSD: if this is the first property you are buying with your spouse, you will not need to pay the ABSD. Hence on BSD applies = (3% x 1mil)-5400 = 24,600 SGD payable using CPF.

- Loan: up to 80% max depending on Monthly Household income, Monthly debt obligations, Age, Credit Profile.

I have 5 years of Mortgage Experience before joining the real estate professional. I believe i can provide a more holistic service towards the purchase of the Property.

Please feel free to contact me directly at 97990870  upon any enquiries and i will gladly be of service.

Wishing you an excellent day ahead and looking forward to your soonest reply.

Thank you,
Joanne Ang
CEA Reg: R056748I
E: joanne.ang@ga.com.sg
M: 9799 0870  Read More