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Appreciate your sharing, in order to help you better can I know you are looking for rent or purchase or sale?
Welcome any questions at 9696 4398  via phone or WhatsApp. Email is Stewartlim96964398@gmail.com
Cheers
Stewart-PropNex Read More

Hi Angelique,

The first factor is your monthly household income as this will impact on your affordability, ability to get financing. If you are buying a private property, you can get up to 75 per cent financing..

Secondly, it will be your Total Debt Service Ratio (TDSR) Your TDSR must also not exceed 55 per cent.

For new launches, you must pay a booking fee of between 5 to 10 per cent of the purchase price. If you are able to secure financing, the rest of the disbursement of funds will be done by the bank according to the progressive payment schedule.

Thirdly, you should look for capital appreciation or rental yield. If the property is for your own occupation, then you should go for capital appreciation. For this, I would recommend new launches. I would also recommend that you study URA's masterplan to see the areas with potential upsides. Right now, the growth areas are located in the Outside Central Region (OCR), which would be suitable for first-timers like yourselves.

You can contact me for a non-obligatory chat.

Sincerely,

Mohamad Khalil

Bachelor of Arts (Communications)
E: realtor@khalilrealtor.com
Mobile: +65 8201 9254 
Website: www.khalilrealtor.com Read More

Hi Angelique,

I would be most glad to assist you further and please feel free to let me know if you need any assistance. Have a good day ahead.

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

Hi Angelique,

The 3 important considerations in buy a property are, 1) location, 2) location and 3) location.

You may text 9620 0827  for a casual chat.

Warmest regards

Gavin Read More

Hi Angelique,

1) 3 major factors to consider for any individual buying a property are:
(a) Affordability - do your asset financial calculation carefully to ensure you are comfortable buying.
(b) Needs - You have to understand what you are getting, for your own needs or investment or both.
(c) Current and future: What is your current and future position in terms of career and personal life?

2) 3 major factors to consider which to buy are:
(a) Connectivity - how convenient it is to access public transport. The nearer will cost higher.
(b) Amenities - How far away from getting daily needs? The nearer to it will cost higher.
(c) Schools - Is within 1 km to a notable primary school important criteria in your selection? Those within 1km of a good school will attract future buyers.

3) Last but not least since there are many factors affecting the price of the property, the value will never change.

Hope the above answer your main concerns, but if there are more query, 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 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

Note:
Any response to our answer does not reach us.
The best way to get a follow-up is to Whatsapp or email us directly. Read More

Hi Angelique,

Financial:
1) Do you intend to take loan for your purchase?
If yes, Before shortlisting project/unit, I will suggest to check your in principal approval of your loan from banker.
I can connect you with reputable banker for this, free of charge and no obligation.
2) For Singaporean 1st Property, Based on $1 mill, and assuming loan is 75%
5% Cash = $50,000
20% Cash/CPF = $200,000
BSD (Cash/CPF) = $24,600
Legal fee = $2,500 (estimated)
Please contact me at (65) 96608508  and I can share the breakdown for this calculation including timeline.

Selection of property :
- Understand the needs of your family, if this will be an investment property or for own stay
- Understand the market transaction of that area
- Selection and viewing of property

I will be glad to assist, no agent fee from private property buyer
I have current price list, promo of every projects in Singapore and will be glad to advise you
Appreciate if you can contact me at (65) 96608508 
or click here https://bit.ly/WaSilvia to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9660 8508 
Email: Silviayang8@gmail.com Read More

Hi Angelique,

Congratulations on your engagement!

3 factors (in order of importance) you might wish to consider when purchasing a property for your own stay would be:
1) Affordability
2) Needs (unit size, location, others like floor level/facing etc)
3) Potential upside

I mentioned Affordability as the number 1 factor. This is the most important factor, as I would advise against over-leveraging when purchasing any property.

Family Needs would be next, especially that you're purchasing it for your own stay. Proximity to work place, parents residence etc would be important consideration.

Lastly, you might also wish to purchase a property that offers you a good potential upside, rather than a property that is stagnant or worse depreciating. This is an important step if you wish to upgrade in the future.

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 9748 6305  . I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More