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Hi
I am well specialised in HDB and have served various first timers in securing them their first home with a couple of them being in Tampines area. My service includes but not limited to consultation, financial calculation including grants you are eligible for and planning, searching for houses, arranging for viewings, negotiate on your behalf and ensure you did not purchase at too high a price to attract unexpected COV amounts. Being in a seller market situation, COV have been becoming a norm this days. However almost all of my first timer buyers that I have served did not need to pay any COV. Do contact me at 93375051  for a free and non obligatory consultation on this.

Regards
Taufik Hussein
ERA Realty Network Pte Ltd
 93375051  Read More

Hello Rukshana

Do you want to call me at 97598318  n let me walk you thru the process . you can write directly to me at silviac@singnet.com.sg. Happy to share the process with you.

Silvia Chua
ERA realty Network Pte Ltd
 97508318  Read More

Hi Rukshana,

My suggestion would be as follow, they are arranged in a priority sequence for easy reference:
(1) Settle your finance first:
(a) HDB loan: Apply HLE if eligible: https://services2.hdb.gov.sg/webapp/BP27AWHLEApplication/BP27SHome (last for 6 mths)
(b) Bank loan: Get a banker to provide an IPA (last for 7 days)

HDB loan: min 10% down payment, max 90% LTV
Bank loan: min 25% down payment, max 75% LTV; 5% must be in cash.

(2) Register Intent to buy on HDB website (last for 1 yr): https://services2.hdb.gov.sg/webapp/BB31AWDashboardWeb/BB31PLogin.jsp
(3) Search for types flats under Tampines estate in your search portal to ease your search.
(4) Check the ethnic buyer eligibility before enquire.
(5) Arrange for viewing (due to the current covid measure, max 5 visitors/day). You might encounter only allow 1 person to view rather than all of you going in to see.
(6) It is advisable to ask the listing agent for a floor plan and video if available before rushing down to view.
(7) If you are an SPR family, it is also better for you to check whether the current owner already paid the HIP bill.
(8) The sum incurred for the HIP bill is usually more than $20k for the SPR family. Thus it is best you are aware and be ready for it if you wish to buy over these flats that have outstanding HIP bills.
(9) The rest of the process and procedures can be found on the HDB websites.

Hope the above answer to your main concerns, but if there are more query, please 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
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

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