7 Answers

YT Tan (陈永达)
Good morning,

You can apply for 2RM flexi as a single SC. Do refer to the link below and see how can you apply for one.


You can check how much can you loan based on your self employed income from HDB by using the link below:

If you wish to purchase a 3rm flat then you will have to dip into the resale market.

Hope my sharing aids in your property decision.

Feel free to contact me if you need further assistance in your property sale. Cheers!

"Your Freehold Ally, Leasehold Tactician"

YT TAN 陈永达 | ACCA Graduate, RES
Associate Group Director
Propnex Realty Pte Ltd
Blk 480 Lorong 6 Toa Payoh, #11-95 HDB Hub East Wing, Singapore 310480

(M): +65 9111 5171
(E): yt.tan91115171@gmail.com
(FB): www.facebook.com/yttanassetprogessor


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Ivan Ng

Yes for Single SC 35 years and above, they are eligible for 2room BTO in non mature estates (such as Sengkang Punggol). However, the subscription rates for this segment is persistently high and always difficult to get an unit.

For self employed, they will use past NOA to assess the hdb loan attainable. For 3 room hdb resale, it depends on the area and age of unit, but typically its around 300k for areas in the outer regions.

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

Warm Regards,
(ASk Anything Property)
Proactive. Sincerity. Feedback.
SMU BBM (Finance), Magna Cum Laude

Email: Ivanng10@gmail.com
Contact: (+65) 97432395
Facebook Page: www.facebook.com/ASAProp
Website: http://www.ivanng10.com/clientreviews
(Client's Testimonials)

**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! **

-- HDB BTO 4rm Sellers Mr. Farvin & Ms. Sel --

Ivan was the first agent that we met up with and right from the offset we had good vibes as he has a friendly personal approach, detailed working style and focuses on building the long-term relationship.

Our unit comes with its challenges but Ivan remained positive and had no qualms committing to our plans right from the start. It took only 6 weeks of aggressive marketing for him to secure a good offer which was a pleasant surprise in the end.

Ivan was always responsive and we had no worries to pass him the house keys. The whole process was transparent and hassle free, and he was always thinking from our point of view on how to make life easier for the client. He is a committed professional and has fast execution, so we felt assured that things are done well and we can entrust the sale process entirely to him.

--- HDB Flat Upgraders Mr. & Mrs. Lee ---

We decided to engage Ivan as our agent as we were impressed with how he answered the enquiries on property guru website.

He has helped us to find our ideal unit and also sold our current unit. He was very patient and never pushy when we were looking for our ideal unit. He would tell us that it is always important to find a unit that we really liked.

When it comes to selling of our unit, he was always prompt in arranging for viewings and he also tried his best to arrange and consolidate the viewings due to our time constraints. He is a reliable and prompt agent and is always willing to clarify any concerns and questions that we have.

Thanks Ivan! :)

-- HDB 5-rm Sellers Mr. & Mrs. Ting --

We have engaged the services of Ivan Ng for sale of our property at Pandan Gardens. He is professional and systematic in his marketing approach.

He is hardworking and committed to his work. He puts in great efforts in arranging clients for viewings and kept us updated thereafter. He is ever ready to help and guide us whenever the need arises.

He provided us with sound and useful advice as well as closely follow through from the start till the smooth sale of the property within a short period of time.

Thanks, Ivan. Keep up the good work! Read More


Aaron Chong
Hi, yes you could purchase a BTO unit and for loan wise, you also able to go for HDB as well as bank loan using the income tax to support it. Pls feel free to let me know if you need any assstance.

9730 8455
aaronchong2774@yahoo.com.sg Read More


Nick Tan
Dear Sir/Mdm,

1. As a single, you will be eligible to purchase a 2 room BTO flat. As long as you are working and has IRAS Notice of Assessment, you will be eligible to apply for a HDB loan. Application for a new flat can be done online during the new flat launches which are conducted regularly.

2. You may also want to consider buying a resale 3 room flat instead as BTO takes about 2-3 years to be ready and if you sell your current flat now, you will need to rent a place to stay in the interim period. Buying a 3 room flat will allow you to rent out the spare room to generate some rental income to offset your monthly mortgage payment as well. With a resale flat, there will also be no need for you to rent a place in between.

Please feel free to contact me so that I can understand your situation better and provide you with further assistance!

Nick Tan
(M) +65 9644 4854
(E) nick96444854@gmail.com
Visit my website to know me better: www.nicktan.com.sg

I was featured recently on Council for Estate Agencies (CEA) Newsletter:

Testimonial from Satisfied Clients (2016/2017)
“I would like to recommend Nick Tan from SRI. Before we engaged Nick, we were working with another agent from a very popular property agency in February 2017. We decided to terminate the contract after 5 weeks of zero viewings and no paper advertisements. Basically he was just waiting for phone calls. We engaged Nick on 20th April and by 10th of May, our unit was sold off. Why Nick? 1. He has good marketing strategies 2. He always kept us posted on what he did (communications!) 3. He made sure we understand the current market situation but he will consistently reassure us that the unit can be sold off 4. He is not greedy and trusting 5. He walks the talk”

Peter & Wendy (Property Seller)

“We are very grateful to Nick for his extensive marketing efforts. With his comprehensive marketing plan, he helped us to achieve a record selling price within 2 weeks of listing our property for sale! We highly recommend his service to anyone who is keen to sell their properties.”
Mr & Mrs Wong (Property Seller)

“Nick has conducted himself ethically and professionally when handling the sales of our property. Thanks to his patience and perseverance, we managed to secure a sales price beyond our expectations.
We are very happy and satisfied with his services and will definitely recommend him to our friends and family in the future.”
Mr & Mrs Tan (Seller of Inter-Terrace House)

“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.”
Susana (Buyer)

“Nick is very pro-active in helping us to resolve whatever questions and problems that we encountered. All the issues are settled even before us having to request or ask for a second time. He was very frank and transparent with all the details, limitations and advantages that we wouldn’t have known. I think this is the most important virtue to be successful in this line. I will surely recommend him to anyone who needs his service because I trust that they will be equally satisfied!!”

Mr and Mrs Chan (Sold and Bought a property through Nick) Read More


Tricia Tan 陈丽子
Good Day. I will be pleased to assist you. Kindly reached me at 91442664 So i can understand and walk you through the financials,timeline and procedure.

Best Regards,
Tricia Tan
9144 2664 Read More


Bryan Lee

I am Bryan Lee from ERA and will be glad to assist you in marketing your unit. You can find some of my testimonials from clients here http://www.era.com.sg/?s=Bryan+Lee

Kindly contact me at 869-12345 Call / SMS / Whatsapp.

Hope I can be granted an opportunity to assist you, thank you very much.

Warmest Regards,
Bryan Lee
ERA Senior Marketing Director
bryanlee@era.com.sg Read More


Ling CK

(1) Eligibility: for single to buy BTO, only 2-rm flexi is available in non-mature estate. On top of that, you have to be 1st timer.
Since you did not mentioned whether current flat is a BTO or resale with grant. I'm not able to comment whether you are eligible for BTO.

(2) Pls see answer on (1)

(3) Since you are working as freelance, you are considered as self-employed person.
Thus you will need latest NOA (Notice of Assessment) from IRAS for the loan.

(4) You will have more choice for 3 room flat if possible, with your loan etc. Otherwise, 2-room resale flat currently only available in some area only, and the choice is really limited.

Other factors to consider is where your father is going to stay after selling your current flat.
Until this is resolved, it is too early to start selling.

Hope the above answer to your main concerns, but if there are more queries, do not hesitate and 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

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