3 Answers

You will need to be sure of the finances first as much as possible. Basing on your numbers provided, the funds available are just slightly over $300k, so you are likely still able to get a HDB 2 room flat, as long as the lease balance is sufficient to last you until age 95.

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.

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Warmest regards,
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My Answer with regards to your Question:

HDB Loan Eligibility:

HLE Loan Amount: Your assumption of a S$190,000 HDB loan amount seems reasonable. With a monthly income of S$3,000, HDB likely falls within its eligibility range.
PLS CONFIRM DIRECTLY WITH HDB :)

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