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Hi,

Your max loan attainable, assuming good credit score, and fixed income monthly salary with monthly cpf contribution, will be approx $1.378 mil. This is based on gross monthly, excluding your Bonuses. The purchase price is more constrained by the down payment and CPF OA, for $1.3mil purchase price, the downpayment + buyer stamp duties legal fees work out to $364100. For $1.5mil that's $422k. So based on current info, $1.3mil private condo should not be an issue.

I am contactable at 97432395  for further discussion.

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

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Diamond Achiever

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Buyer Mr Wang & Ms Ng :
We want to convey our thanks to Ivan, who helped us find our first home. Ivan was very responsive when we first met, and took time to understand our needs and requirements for our first home. He helped us narrow down our criteria and gave us good advice on how to structure our mortgage as well. He also made a great recommendation of an area we never thought of, and it was where we eventually bought our home. We appreciate Ivan's thoroughness in pros and cons of all our options that we viewed. We never felt pressured or rushed to make a decision. In fact, Ivan gave honest and useful inputs on the considerations of acting immediately or waiting. All in all, it was a very smooth experience and we ate very happy with the unit we bought. Thank you very much, Ivan!

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Mr & Mrs Wee : We would like to share our appreciation and commendation to Ivan for their professionalism and dedication in handling our property transaction. It was a great pleasure to work with him as he was patient throughout the entire process and explained to us and clarified any doubts we had without fail. He was also very prompt in responding to all the queries we had. While we were unsure if we were able to sell off the property in time, Ivan constantly reassured us that it was possible and offered his professional advice. In fact, he managed to secure an offer to sell the property above our expected price while concurrently negotiated the buying price for our next property. Having Ivan as our agent significantly made the entire process seamless and fuss-free. We will definitely recommend Ivan to our family and friends. Read More

Hi,
Looking at your combined income which is less than 16k (the cut-off point for EC), if you are legally married and one of you is a Singaporean, you would qualify to purchase a brand new Executive Condo which is under construction with 3 bedrooms and 2 baths. If you want something immediately, you can go for an old condo.

Honestly, I would advise young couples to choose the EC route because it would be a very good long term investment. EC's would be privatised 5 years after MOP. So, you would get the best of 'subsidy' and a full condo from the word GO! What better way to start your lives together.

For resale you have many options, some in strategic locations.

Please contact me so that I can be of further assistance. Do check out my website below.
Cheers!

Elan Govan
MABA (Lancaster)
 90170747 
jayelan@gmail.com
www.goodpropertiesguide.com Read More

Good day,

From the numbers you have provided, you are likely to be comfortable to go into something around $1.3m range, but to be safe, it is best to speak to a qualified banker to ascertain the numbers. If you require to speak to a mortgage broker who can assist you to make loan arrangements with all the banks in Singapore and know the best package, let me know.

I have been in the real estate business since 2009, with more than 14 years of experience serving the Singapore real estate market.

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 9,400 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
Associate Group 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

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Hi, appreciate your sharing, best to check with banker before proceeding and depend your plan for next 5 to 10 years.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

My Answer with regards to your Question:

Based on the information provided, it appears that you can comfortably afford a $1.3 million private condo. Here's a breakdown:

Your maximum loan attainable, assuming good credit score and fixed income monthly salary with CPF contribution, is approximately $1.378 million.

The down payment and buyer stamp duties legal fees for a $1.3 million purchase price would be around $364K, and for a $1.5 million purchase price, it would be approximately $422K> your budget of cash + cpf would not be sufficient.

Therefore, based on your current financial situation, purchasing a $1.3 million private condo should not be an issue.

However, it's recommended to consult with a qualified banker to ascertain the numbers and ensure you are making the best decision for your future plans. If you need assistance with mortgage arrangements, I CAN HELP REFER you the right help.Overall, you seem well-positioned to purchase a resale condo within your desired price range. If you have any further questions or need assistance, feel free to reach out to me :)

Whatsapp me at 9856 9255 

I am Sorry that This platform does not allow me to direct contact you.

You can reach me at https://wa.me/6598569255.

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hello there! there are many options that you can look at. first step we need to check on the financial planning. do drop me a message at 9748 3248  (josephine) to have a safe plan for both you and your partner. Read More

Hi Sir,

Based on the information given, you should have no problems getting a sizeable loan for your budget of $1.3m to $1.5m. Your purchase is likely capped by the downpayment you're able to fork out.

Having said that, I believe your total Cash and CPF will continue grow as long as you're working. By 2025, you should have sufficient to purchase up to $1.5-1.6m property.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More

Hello There,

Do let me know if you would like me to help you with financial calculation and also help both of you with your house hunt.

Leona Wong,
PropNex Realty Pte Ltd
Award-Winning District
Certified ‘SND Save and Safe’ Consultant - Your trusted asset progression consultant.

Mobile: +65 89030888 
Email: leona.wong@propnex.com Read More

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