6 Answers

Gavin Ng

Would you like to call 9620 0827 or email to gavin.ng@orangetee.com


Gavin Read More


Ivan Ng

Once you form a family nucleus to apply for the EC (husband-wife), she has to sell her current hdb since she is the owner. Ideally its to withdraw her name from the hdb first but her parents must be able to fund and return the cpf utilized by her for the flat.

Yes you can use your full cpf OA to pay for the EC, subject to valuation limits.

For a detailed breakdown of the financial planning, let's discuss further at 97432395 so you can have a clear picture. Thanks and hope to value-add to your plans further.

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/#!reviews/c11r1
(Client's Testimonials) Read More


YT Tan (陈永达)
Good morning buyer,

I am afraid to inform you that she has to withdraw her name from her current HDB be it she will be an owner or occupier in the EC application. Do take note that by doing so, her parents must be able to refund the CPF OA funds that she had paid to her.

If her parents are not financially capable of doing so, probably you can consider selling off the flat and purchase a dual key EC with her parents under multi generation scheme.

In regards to utilisation of CPF OA funds, you are able to use all your CPF OA funds as you dont have to set aside a minimum sum because this will be your first property.

Hope my sharing is beneficial to your property purchase.

May I know how can I continue to value add in this purchase?

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
Vice President (Agency)
Property Avenue Pte Ltd
Estate Agent no. L3010650D
Blk 420 North Bridge Road #03-30 North Bridge Centre S188727

(M): +65 9111 5171
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com Read More


Ng Teck Chuan
Hi buyer,

To cut things short:
1) no
2) yes

Feel free to contact me for further discussion.

Thanks and regards,
Teck Chuan, Ng
BBA (Finance), NUS
ERA Realty Network Pte Ltd
Mobile: 9137 4692 Read More


Nick Tan
Hi Sir,

1. You wife is considered a HDB owner and therefore will not be able to purchase an EC with you unless she were to remove her name from the current HDB.

2. It depends on your age. If you are below the age of 55, you will be able to utilised the CPF amount fully. However, if you are over the age of 55, you will only be able to utilised only 50% of your minimum sum amount.

Please feel free to contact me at 9644 4854 if you need any advice. Thank you.

Nick Tan
(M) +65 9644 4854
(E) nicktan@propertyavenue.com.sg
(W) www.nick-tan.com / www.propertyavenue.com.sg

Testimonial from Satisfied Clients (2015/2016)

“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 from Property Avenue 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 is a responsible, efficient and excellent salesperson. He has very good knowledge of the real estate market and I benefitted a lot from his advice and sharing. He is extremely patient when guiding me through the buying process and I am happy to secure a dream house within my budget with his assistance. A highly recommended salesperson who made my house hunting journey a breeze.”
Ms Chia (Buyer of HDB)

“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 of HDB)

“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 through Nick) Read More


David Leong
Dear EC Buyer,

You may call/SMS 8138 0184 and we can talk and allow me to listen to your situation and plan in detail. Then I can provide you the appropriate solution.

With my over hundreds of EC transactions experiences along the last 6 years since the first EC launch, Esparina. And occasional direct communication with the relevant authorities. Let's discuss.


David Leong
Senior Marketing Director
EC Projects IC & Team Leader Read More