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Hi,

As your query are of explanatory nature, do contact me for a detailed understanding of how to go about the purchase. As this is your first time purchase, it is apt to have yourself guided and walked step by step to ensure you do not overpay in the process of unfamiliarity and shortchange yourself on a good deal and paperwork conditions etc. As a realtor with years of experience and awards, it is my duty to assist you on leveraging on the weak market to pick out a unit as per your requirements and conduct negotiation. You can easily asses my proven track record and recent coveted awards & testimonial on my website to ascertain the commitment, dedication and integrity I uphold in representing my client's welfare and interest to get them the best possible deal.

Let's speak further at 96659926  to discuss more comprehensively on the crux of your requirements & expectations- to enable me to deliver a more accurate financial projection and breakdown of cash flow for your purchase after understanding your finances succinctly, so as to explore the possible options accordingly at no obligation. I will walk you through the entire purchase- from shortlisting, to negotiation, to establishing loan matters and working out finances (cash/cpf/progressive payment), paperwork, sorting legal matters, providing you with recent up to date transaction caveats for benchmark pricing as well as furnish you with a customized sales report & indicative valuations.

If you are comfortable with my working style, I am more than glad and confident to work for your interest to to guide to you to your ideal property.

D Kumar
 +65 96659926 
ERA Associate Division Director
www.kumarrai.com

#1 team of ERA in Singapore, Asia Pacific International for 2014.

ERA 2015 Q1 Top Achievers (Top1% of ERA)
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Good afternoon Terrence,

Do take note that your initial outlay for a resale HDB purchase will be as such if you can obtain up to 80% bank loan:

1) 5% cash downpayment
2) 15% CPF downpayment
3) estimated 3% buyer's stamp duty
4) 5% additional buyer's stamp duty as SPR
5) $3k legal fees
6) valuation fee, stamp duty for mortgage etc
7) agent's fee (1% of purchase price)

If your purchase price is $500k, you need at least $140k in cash/ CPF OA funds.

Normally by taking up a personal loan, it will affects your 80% bank loan. And you can use your CPF OA funds to finance your monthly mortgage repayment.

Prices for resale 4RM in Woodlands varies. If you are going for 4S, you probably can get it around $350k +/-.

Hope my explanation helps!

If you need any assistance or advice in your property purchase, feel free to contact me. Cheers!

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
Vice President (Agency)
R043025D
Property Avenue Pte Ltd
Estate Agent no. L3010650D
Blk 420 North Bridge Road #03-30 North Bridge Centre S188727

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com
(W): www.propertyavenue.com.sg Read More

Evening,

If you are looking for 4 room flat, there are units in CCK which is going at $350k. Once you have secure the mortgage loan, the amount of personal loan will also be subjected to MSR and TDSR. It would be good to have the sums worked out before jumping in for the purchase as you will still need to prepare cash for 5% ABSD, legal and standard stamp duty, agent's commission, etc.

Do contact me further should you require further assistance.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More

Hi Terrence,
To assist and advise you in details, kindly drop me an email for me to share.

I can be contactable at my mobile and email.

CK Ang
 9046 3808 
res.ckang@gmail.com Read More

Hi,

Pls feel free to contact me to have a discussion.

Onassis Gan Eng Joo - CEA Reg No.: R021244C
CES Certified SG Realtor l SGRealtor.com
agent.myweb.sg (PropertyGuru)

SG Hotline: +65 9222 2389 
MY Hotline: +60 111 078 8889
Email: Onassis@sgrealtor.com
Skype: incomecare Read More