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Hi,

The advisable loan quantum varies with every purchaser as its subject to their lifestyle goals, income profile and risk profile. General rule, most people try to keep mortgage debt obligations to around 30% of their income and use mostly CPF contributions to fund it. It might differ for your case. May I know which locations are you considering?

May I have more info and requirements about your plans so to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,
Ivan Ng ERA ASAP
(ASk Anything Property)
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SMU BBM (Finance), Magna Cum Laude

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Good morning buyer,

Perhaps we can meet up and discuss over a cup of coffee so we can explore what are the options available to you so from there you can assess which option is more suitable for you.

Based on current low interest rate, I will advise you to take up max bank loan so you wont need to come out with so much CPF OA funds and cash.

If you never use your CPF OA funds, 2.5% CPF rate is better than bank interest rate 2% for instance.

If you use lesser cash, you will have more funds as reserve funds. Cash is king as well.

My team and I had been assisting numerous in restructuring or frow their property portfolio. Hope I can be of great help to you as well!

Hear from you soon!

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Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
Senior Associate Marketing Director
R043025D
Propnex Realty Pte Ltd

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Good morning,

Based on your concern, it would be prudent to understand both your age, income and property holding status, citizenship details and lifestyle before we can work on some concrete.

Do feel free to contact me for feasibility assessment if keen.

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

Dear sir,

Divest out your interest into different segments of investment will be ideal. There is no doubt interest rates are low at the moment, however economical situation does not sound good and price decline is unlikely to ease up so soon therefore I would reckon that you settle 1 property at a time. Work on settling your purchase for own stay first where you can opt to pay out in full cash. If your spouse is not working, you may opt to use her name as sole owner for this fully paid up property and keep yourself open for the investment property which you should really take your time to source for. Otherwise it is advisable to work out with a financial planner on how you can mobilise your cash and loan in order to leverage on existing rates with cash on hand depending on your options available.

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

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Regards,

Geryl LIM
Associate Marketing Director
Global Alliance Property (L3010679B) - Century 21
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Hi It is good to see you have a plan for the future and i understand your concerns. Do contact me at 97970200  to discuss on a few possible solutions for your concerns.

Mark, your RIGHT choice
SRH Read More

Hi Sir,

I understand your reasons and objectives in getting 2 properties under each of your names.

Before I can propose to you some of the "best buys" in this current "Buyers market", I would first need to understand your current financial standing, age and risk appetite.

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

Dear Buyer,

Re: Today’s SG Professional Choice- SGAgent.com & SGRealtor.com

Have various freehold units at Balestier just a road to Novena which is good buy at present market :)

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

In all Areas of Singapore. Sale/Buy/Lease/Rent, Please call and/or drop me an email me. I’m always at your Services.

Onassis Gan | R021244C | Today’s SG Professional l SGAgent.com & SGRealtor.com

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