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Hi Gurus,

I am single, turning 35 yo in Sep 2020 (3 more months) and would like to buy my own resale HDB near Admiralty/Woodlands. Can I start viewing houses now, or have to wait until Sep? If can, I would like to look for an experienced agent to help me with it.

Some details below:

1. CPF-OA balance: ~$150K

2. Gross monthly salary: ~$6500

3. Cash budget: ~$30K

4. HDB budget: ~$400K

5. Resale HDB wanted: 3-bedroom, near Admiralty or Woodlands South MRT station, high floor, good condition, long lease left

6. Proximity grant if within 4km from my parent's house at Yishun (760120)

7. Financing: looking at keeping to around $1200 monthly installment, use bank loan for lower interest rates and borrow to LTV limit (use minimal CPF). I have no other loans (cars etc.)

Appreciate any advice and thank you!

Regards,
HXM
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3 Answers

Hi HXM, I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Hope to hear from you soon and have a great week ahead. You could actually kick off the viewing process about 2 months before you turn 35 years of age.

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

You may text 9620 0827  and we will work out the estimated financial for considerations.

Warmest regards

Gavin Read More
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Hi HXM,

Wow the information that you have givens very comprehensive already. With these information we can churn out a detailed calculation for you. But before we even go to the calculations part, I can say your figures looks very promising and purchasing a HDB is definitely not.a problem. What we can calculate for you will not just be your affordability but also how comfortable you are in affording. This is very important as we always tell our buyers the best house that we can stay in is a house without stress.

There is only one more piece of information that I will need from you to churn out the calculations. As there is no way for me to reach out to you, I will need to trouble you to contact me instead. My sincere apologies for this. With that piece of information, I can churn out the calculations and subsequently we can arrange to meetup over a Zoom session to explain the figures to you. Why we need an explanation session is because there are quite a few components to the calculations so it may be confusing without explanations. No worries on the meetup as there are no obligations at all. We can just take it as a chat.

As for the viewings, I think it is a little too early to start viewing now. Maybe slightly more than a month before you turn 35 we can start the viewing process. Actually if we do our homework correctly and also do all the filtering properly, it Is not difficult to find a house that we like. Give some time for negotiations for a good deal, I think slightly more than a month will be enough.

Just to share a little on myself. I have been in the industry for more than 10 years. Over the years, I have served many clients and many are my friends now. Many have also left testimonials for me for my service rendered, I was also featured in CEA's newsietter together with my partner for Great Client Service. I also won the SAEA Real Estate Excellence Silver Award for Best Client Service. I have left some links below so maybe I will need to trouble you to copy the links to your internet browser and take a look. Hopefully this will give you some idea of how I conduct this business. I am proud to say that we have always placed our clients' interests in the top position and I believe we will be able to offer the same level of service to you and hopefully even better.

Looking forward to hear from you soon! Cheers!

Best Regards,

Jeffrey Heng
Associate Executive Director (Sincerus Division)
OrangeTee and Tie Pte Ltd
NAVIS Living Group - The fastest growing group in OrangeTee that believes in Technology, Training & Teamwork (3Ts)

Mobile : +65 9858 1322 
Email : hengjeffrey@gmail.com
Web : www.sgpropertyadvisers.com

Founder of Sincerus Division
SAEA Real Estate Excellence Silver Award - Best Client Service (2014)
SAEA Real Estate Excellence Award Nominee - Best Client Service (2012/2013)

* Featured in CEA Newsletter for Great Client Service - https://goo.gl/NMusPZ *
* Featured in Propertyguru Magazine With My Partner- https://goo.gl/cioyEu *
* Featured in PropertyGuru Magazine for Team Building - http://tiny.cc/80w5lz *
* Words From Clients - https://www.sgpropertyadvisers.com/testimonials *
* Check Out Our Client Testimonial Video Here - https://youtu.be/WzNepsjH1Oc *
* Check Out My Team Mates’ Testimonials Video Here - https://youtu.be/SmdXkgREVOU * Read More
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