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Good afternoon Richard, I have done up a financial plan based on what you mentioned. I can email it to you if you are keen. As you are taking HDB loan and using HDB lawyer, they will keep about 2 to 3% of your CPF OA to fund the buyer's stamp duty, legal fees etc. As a first time buyer of a SC/ SPR household, both of you will be eligible for $20k housing grant if your combined income is up to $10k. So in fact your cash outlay will be: 1) $5k COV 2) Valuation report $200+ 3) Resale submission $80 4) 1% of purchase plus 7% GST as agent commission. Total cash outlay should be about $9k. If you need any assistance in your property purchase, feel free to contact me. Hope to hear from you soon! Cheers! Warmest Regards, YT TAN 陈永达 | ACCA Graduate, RES Senior District Manager R043025D ECG Property Pte Ltd (A Wholly Owned Subsidiary of ECG Group of Companies) Estate Agent no. L3009759F Blk 190 Lorong 6 Toa Payoh #05-508 S (310190) (M): +65 9111 5171  (E): yt.lovelyhomes@gmail.com (W): www.yttan.com (W): yttan.stproperty.com.sg/ (W) www.lovelyhomes.com.sg (W) www.ecgproperty.com Read More

Hi,

Regard to your question. Why not you just drop me an email at ot1984pierre@gmail.com or Contact me @ +65 8 2 7 9 8 3 2 7 - Whatsapp / Call / SMS

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