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Hi there,

Please feel free to contact me at 96659926  for a non obligatory discussion for me to better understand your requirements and specifications to be in a better position to advise you further on your enquiries in the most detailed and thorough manner. Rest assured,I will run you through the entire process- handling all aspects of the purchase!

My services cover you through the whole process from finding the perfect property to negotiating for the best price to post deal paperwork to establishing financial calculations and ascertaining risks. I will provide you with a comprehensive sales report of properties in the desired location, make available to you recent live transactions for your understanding,share on financial calculations,if needed and make available rental yield and capital appreciation information.

Do visit my website to view my testimonials/recent awards and gather more info on me: www.kumarrai.com.
Look forward to hearing from you!
Have a great day!

D Kumar
 96659926 
ERA Associate Division Director
www.kumarrai.com
www.singapore-newproperties.com
dkumar@era.com.sg

About Me-
ERA Top Achiever 2013/14
ERA Multi-Million Dollar Club Award
2014 ERA Asia-Pacific Business Conference Elite Award
Preeminent Group
2014 3rd Quarter Top Achievers
(Top 13 Achiever)
2014 August ERA Top Achievers (Top 4 Achiever)
2014 September ERA Top Achievers Read More

Hi Drea, with the budget of 152K I would suggest both you to purchase a resale HDB. Please drop me an email for me to share the cost break down of purchasing a condo as well as hdb.

I am contactable at my mobile or email.

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

Good afternoon Drea,

Good news for you! IRAS will regard your first property purchase as your matrimonial home even though your spouse is a foreigner. Thus you will not be subject to the 15% additional buyer's stamp duty that is applicable to foreigner buyer.

If you are keen to purchase a condo and you are able to obtain a 80% loan, your initial outlay will be as such:

1) 5% cash downpayment
2) 15% CPF or cash downpayment
3) estimated 3% buyer's stamp duty
4)$3k legal fee
5) other misc fees like valuation fee, stamp duty for mortgage etc.

Thus these outlay will be around 23% of the purchase price.

With $152k, probably you can only look at condo around $660k. With this budget, you might only be able to purchase a 1 bedder only.

Your other option will be to purchase a resale HDB under non citizen spouse scheme. But do take note, only your income will be considered for mortgage purposes because your spouse is a foreigner.

Hope my explanation helps! If you need any assistance or advice on your property purchase, feel free to contact me.

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com Read More

Evening Drea,

With the fundings you have at hand, purchase of resale HDB unit might be more ideal. You will not be liable for ABSD, under non-citizen spouse scheme.

Do feel free to contact me for further discussion.

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

Hi Ms Lim
Good day. You may wish to contact me at 91442664  . I will need to understand more of the cash and your cpf portion in order to work out the full financial details.
You can also take into consideration of getting a resale hdb price beside condo/apt.
Look forward to hear from you.
Tricia 91442664  Read More