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Hi there!

Firstly, I would like to thank you for your query on Property Guru.
Payment Outlay :
The purchase breakdown ASSUMING SC + 1st Property is as followed -
:5% CASH ;deposit and exercise
[1% deposit AND 4% upon exercise]
:15% CPF (or cash if insufficient)
:3-4% Buyer Stamp duty; BSD (Can utilise CPF if you have enough funds,subject to conditions)
:Legal fee = $ 2,000~$3,500 dependent on individual legal firm.

Please do contact me at 96659926  for a short in depth discussion to value add your purchase and offer thorough insights and advise to the property outlook to help you make a better decision! Should you be purchasing a private property, having agent representation will cost you nothing as it's free ,with everything being handled by your agent from A to Z. What does this cover?

-Understanding your requirements and preferences
-Shortlisting and arranging viewings of units in line with your requirements
-Negotiation
-Paper Work/ Legal Arrangement
-Financial Calculations with succinct payment timeline/ breakdown
(Amalgamation of cash/ CPF proceeds etc)

EXTRAS
-Customised Sales Report tailor made for your purchase
-Price analysis of Transaction caveats in surrounding developments
-Projected capital returns and rental yield report

Visit my website for my recent accolades, awards and testimonials@ www.kumarrai.com.

D Kumar
 +65 96659926 
ERA Associate Division Director

#1 team of ERA in Singapore, Asia Pacific International for 2014/5/6/7

ERA Q1 Top Achievers (Top1%)
ERA Top Achievers 2013-2017
ERA Multi-Million Dollar Club Award
2014-2017 ERA Asia-Pacific Business Conference Elite Award

P Group
Overall Top 100 achievers 2014-2017 Read More

Hi

There is some missing information that will be required to do a proforma buyer financial report.

If you can write to gavin.ng@orangetee.com to provide the missing information, we can share the proforma buyer financial report with you.

Regards

Gavin Read More

Hi ,
After taking alook at yr questions, below are my advice:

From now till mid 2019 you still have some time
So you can purchase one that is wif tenancy that matches yr lease ends timing

To buy a property in Spore, you need to set aside cash of 5%
and 15% either cash or CPF , stamp duty is 3-4% cash/CPF and the other 80% you can take a loan .

So if you are able to raise the above portion, borrowing from bank for yr age 43 and combined with yr wife 30 if working , bank can loan upto age 65 base on the younger age.

In Spore, taking a loan, you are subject to Total Debt Servicing Ratio which is required by the government . The bank will then be able to advise how much loan they can grant you.

For more discussion, feel free to contact me .

Regards

Yours sincerely

Veronica Lim
Top Achiever since 2001
OrangeTee & Tie Pte Ltd
Hp +65 94550898 
Website : www.veronicahomes.com Read More

Hi there,

You need to consider various factors before coming up with a number. Work location, kids/intention to have kids, number of rooms, level, furnishings etc.

Feel free to contact me and we can discuss this further.

Regards,
Teck Chuan, Ng
ERA Realty Network Pte Ltd
BBA (Finance), NUS
Mobile: 9137 4602  Read More

Whatsapp to 8279 8327 

Our charges are 1% commission for sales ..

Owners / landlords need property agent in sg ( agt ) to rent out or sale of your property
please contact handphone whatspp text to 8279 8327 

Xu zhen feng
R05-7810C / L300-9250K
Orangetee & Tie Pte Ltd
8279 - 8327

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