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You can reach out to me and I can help you check.

I'm a Harvard graduated real estate agent with a degree in economics, and have supported clients on more than $1 billion in transactions. I can also help with sourcing, viewing, own-stay & investment analysis, market comparatives, timeline planning, safe entry pricing and more.

Do whatsapp or email me via my details below:

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Hi Do contact me at 97970200  to discuss more.

Mark, your RIGHT choice
Propnex Read More

The more appropriate way is to work out on what is your maximum loan amount eligible for both bank loan and HDB loan (which should not differ much) and see what are your options available in the market, be it location, lease balance and etc. Bank loans are highly competitive now with interest rates now more attractive than HDB loan interest rates.

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I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market. Check out the EdgeProp featured article on myself recently at https://www.edgeprop.sg/property-news/geryl-lim-leading-landed-real-estate-heart-hustle-and-harmony

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 15,900 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Deputy Branch Associate Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Hi,

1) The home loan amount is governed by the MAS.
2) The MAS only allowed 30% of the each individual income to be used for HDB mortgage payment. And, this will defined how much home loan an individual could received.
3) The active income will also need to be deducted from any outstanding loan, number of credit cards, etc/.
4) Therefore, as long as you are getting home loan from the local banks or HDB, the loan amount will be almost the same.
5) The only help you could get is the grant amount from the HDB other than the home loan.
6) You will be able to find out the exact amount once you apply for the HFE.
7) The HDB will be providing 3 types of loan; from minimum to the maximum.

All The Best!!!

Hope the above answer to 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 until we scroll through each and every query posted daily.
The best way to get a follow-up is to Whatsapp or email us directly. Read More

You can get an HDB or bank loan assessment to find out your maximum loan eligibility.
• HDB Loan Eligibility (HLE) letter: Apply via HDB to see the max HDB loan you can get, based on your CPF OA, income, and spouse’s status. This will tell you how much HDB will allow you to borrow.
• Bank Loan Approval in Principle (AIP): Approach banks to check the maximum amount they’re willing to lend, factoring in your income, CPF OA, and your spouse’s LTVP status. Each bank may assess slightly differently.

Since you have $100k in CPF OA and $30k in cash, plus a foreign spouse, these assessments will give you a clear picture of what portion you’ll need to cover in cash when buying a 4-room resale.

If you want, I can also estimate the rough cash required upfront for a $4xxk–$5xxk resale flat given your CPF and cash.
Aren Goh, PropNex
9657 6701 Read More

(✔1) A good starting point is to calculate your **maximum eligible loan**, whether from a bank or HDB, as the figures are usually quite similar.

(✔2) Loan limits are set by MAS rules, which cap mortgage repayment at **30 percent of an individual’s income**.

(✔3) Existing financial commitments such as personal loans, car loans, and credit card balances will reduce the usable income for housing loans.

(✔4) Because the same rules apply, loan amounts from local banks and HDB tend to be almost identical.

(✔5) The main difference in affordability usually comes from **HDB grants**, not from the loan size itself.

(✔6) Current bank loan packages are very competitive and often carry lower interest rates than HDB loans.

(✔7) Your confirmed loan eligibility and grant amounts will be clearly shown once your HFE application is approved.

“Clarity comes from knowing your numbers before making your move.”
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

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Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.

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✔✔ 新加坡联系号码（ABLE TOH）/ 诗强：（65）9856-9255 Read More

Hi, appreciate your sharing, able to use singpass to apply HFE and determine the outcome
Looking forward to assist you at WhatsApp +65 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

If you want, I can run a quick calculation showing your max loan, it will help to make planning easier for you.

Warm regards,
Amethyst Teo
Realtor since 2013
SRI Pte Ltd

Estate Basics
Singapore Real Estate (Rentals, HDB, Private Condo)

CEA Registration No: R052728B
 +65 8201 9831 
www.estatebasics.sg

I am Amethyst Teo, a Singapore Realtor since 2013.

I work across rentals, resale homes, and long term property planning, and have supported over 1000 families with their rental and sales decisions over the past decade.

My work focuses on:
• Rentals for tenants and landlords seeking clear terms and smooth outcomes
• First time buyers looking for undervalued and sustainable properties
• Resale owners who want real exposure through a network of agents.

Clients often work with me for my planning approach. I focus on clarity before transactions, realistic expectations, and long term decision making rather than rushed outcomes.

Over the years, I have helped many clients and close friends purchase their first property before 35 through careful planning. In several cases, this led to S$500k or more in accumulated value over time, without excessive risk taking.

I am based in Singapore and work with both HDB and private properties.

You can find more about my work at Estate Basics. Read More