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Hi,

One approach could be to sell away the current hdb that your parents own to unlock the proceeds. With the funds unlocked, a pledging of assets may be possible to help increase the loan attainable under your parents name for the condo, and allow you to exit and refund the cpf OA you have utilized. May I know if your parents are open to this idea?

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,

Ivan Ng Realtor
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Dear Sir/Mdm,

First of all congrats on the good news on the wedding! Here's wishing you a very blessed marriage ahead!
For your question, basically there are many scenarios involved. If by just reading what you have typed, it does seem a bit tough. Basically we will need to run some financial calculations for the different scenarios before we can advise on which is the best situation or scenario for you. Many factors involved are, how much is your current loan remaining, how much is the value of the HDB, etc. From there then we can see what are some creative solutions we can have.

What I would suggest is that we can meet up for a chat. No worries as there are no obligations at all. I can take this opportunity to know more in depth before we run through the financial calculations for you and your parents.

Just to share a little on myself. I have been in the industry for 10 years. Over the years, I have served many clients and many are my friends now. Many have also left testimonials for me for my service rendered, I was also featured in CEA's newsietter together with my partner for Great Client Service. I also won the SAEA Real Estate Excellence Silver Award for Best Client Service. I have left some links below so maybe I will need to trouble you to copy the links to your internet browser and take a look. Hopefully this will give you some idea of how I conduct this business. I am proud to say that we have always placed our clients' interests in the top position and I believe we will be able to offer the same level of service to you and hopefully even better. I am also a trainer of a course called Advisory Sales Masterclass where we train realtors like myself on creative solutions on property transactions.

Looking forward to hear from you soon! Cheers!

Best Regards,

Jeffrey Heng
Associate Executive Director (Sincerus Division)
OrangeTee and Tie Pte Ltd
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NAVIS Living Group - The fastest growing group in OrangeTee that believes in Technology, Training & Teamwork (3Ts)

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Dear sir/mdm,

It seems pretty challenging in the current scenario you have described. First of all, how much is the outstanding loan for the current condo you own together with your parents? In doing so, we will then be able to determine if selling the current fully paid HDB will help in having your name to be removed from the current condo.

Is selling the existing condo and HDB an option to be explored in order for you to move onto purchasing a resale HDB? Perhaps you can look into purchasing a dual key condo where your parents can live together while you maintain your privacy after getting married?

I have been in the real estate business since 2009, with more than 10years 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 clients’ 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
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Dear Sir/Mdm,

For your case, if your parents have some savings, they can actually use the funds to pledge to the bank and obtain some loan.

However, funds on hand is not a lot, then you may want to consider selling away the condo or selling away the HDB to free up some cash for the financing of the condo.

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

Regards,
Nick Tan
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Good afternoon Sir/ Mdm,

Let’s run through the numbers to find out which option is best for you guys.

Did you try to do gearing on your parents’ fully paid HDB to see whether it can lower the loan amount necessary to take over your ownership in the condo?

The HDB currently is providing passive income for your parents therefore you guys never think of selling it to finance the condo?

Ever think of selling the condo off and move back to HDB? Sell both HDB and existing HDB to get a condo that’s within their affordability?

Perhaps we can meet up over a cup of coffee to discuss and explore your options.

When will be a good time for you?

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Propnex Realty Pte Ltd

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Hi,

Given your current situation, I can immediately think of 2 ways that you will be able to hold onto both your condo and fully paid HDB flat, and also purchase your matrimonial home.

I am experienced and well-versed in both private and HDB resale transactions. I will be able to assist you in your housing 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 9748 6305  . I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More