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Dear sir/mdm,

Your credit records will be affected with the personal loan. I will highly encourage you to speak to the bank first in this instance.

Warmest regards,
Geryl Lim
Associate Deputy Group Director
Salesperson Registration No. R014783H
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
[main] +65 6471 8888  [mob] +65 81577565  [LDA] +65 92787772 
www.geryllim.com
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Landed Dynamic Alliance
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Hi,

Yes it is highly advisable to re-check the loan eligibility as an IPA approved two months ago, and with changes in the financial position, most likely will have some changes from banks assessment perspective.

Perhaps you can share more info so I can make better recommendations. 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
ERA Senior Marketing Director
ERA Diamond Achiever

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-- EC Sellers, Private Property Buyers Dr. Chan & Ms. Xie --

I would like to compliment Mr Ivan Ng for his professional work and effort.I sent my first post in Jan 2019 and Ivan replied promptly, so I have decided to contact Ivan for follow up. My EC was not ready for sale due to MOP (another 3 months from Jan) at that time and Ivan was able to give me advices on how to proceed from there. Initially we have decided to try to write to HDB for early sale but since it was only 3 months left, eventually we waited for another 3 months while we looked for our next property. Ivan was able to arrange for new property showroom appointment at a timely manner while helping us to list for our EC for sale. We were a bit worried when our EC sale time was longer than expected due to trade war, but Ivan was able to reassure us that our EC would sell. By November, he managed to secure a buyer for our EC. Thank you. Read More

HI,

It always best to speak to the mortgage banker again to let him know of your situation and to re-apply for another IPA. Unless the IPA was already the max LTV (Loan to Value) then perhaps they can re-evaluate for you again.

Taking a personal loan will definitely not recommended as it affect your TDSR and the interest is usually very high.

Do let me know if you need help or have more questions.

Thanks!

Alan Sng
ERA
 92707548  Read More

Hi,

For loan matters, it is advisable that you speak to the Bank, as they are the ones who will be able to grant you the loan that you might need.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans.

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