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Hi, I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Hope to hear from you soon and have a great week ahead.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Appreciate your sharing, for detail planning welcome for a free sharing over coffee on me. Wishing you Happy 2021 ! Stewart-Propnex 9696 4398  Read More

Dear Sir/Mdm,

Upgrading to a bigger flat requires planning in terms of your overall finances as well as timeline. With a good transition plan, you will be able to understand how much cash outlay is required and how much cash you can get back after the sale and purchase and therefore plan your renovation budget. Another important factor is the timeline, it will be advisable to plan the sale and purchase process concurrently so that you can minimize the initial cash outlay and will not need an interim housing solution.

Your outstanding loan will be calculated as part of the financial plan and the housing grants that you took will flow back to your CPF OA and you can reuse them for the purchase. I have assisted many of my clients who are in the same situation as yourself to upgrade smoothly and seamlessly.

Please feel free to contact me so that I can understand your situation better and draw up a transition plan for you!

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com
SEAA Salespersons Achievement Platinum Award 2020
Visit my website to get to know me better:
www.nicktan.com.sg
I was featured recently on Council for Estate Agencies (CEA) Newsletter:
http://bit.ly/CEAnews

Testimonial from Satisfied Clients
“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)

I write to commend Nick Tan (R040814C). When my husband and I first met Nick, we were impressed by his drive, commitment, business acumen and strategical thinking, and decided to engage him. We were not disappointed. Nick sourced for prospective quality buyers in a targeted methodical fashion and was effective in connecting us with serious buyers, notwithstanding the fact that the search primarily took place over Dec – Feb (a traditional lull period). Throughout the transaction, he also gave us helpful advice in various aspects; the advice reflected his personal experience and expertise and was not simply regurgitated from public sources without any value-add. Further, Nick went beyond the call of duty of a competent professional. He had a sense of humanity in the way he interacted with myself and the other parties to the transaction such as my parents. As an example, my newborn daughter was warded into A&E on the completion date of the transaction; the care and concern that Nick showed went beyond the scope of work of an estate agent. I commend Nick for his capabilities and character, and would certainly wish to engage him for future property transactions.
Weilun & Benita (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 Read More

HI

You may text 9620 0827  for a casual chat. We can share with your the transaction process, timeline and an estimated financial for your reference.

Regards

Gavin Read More

Hi,

1） You may do some calculation based on the following:
a) Check recent transaction of your flat: https://services2.hdb.gov.sg/webapp/BB33RTIS/
b) Check Your outstanding loan: Outstanding HDB loan: https://www.hdb.gov.sg/cs/infoweb/homepage. Log in using Singpass and check your outstanding loan.
c) Utilized CPF & accrued interest: https://www.cpf.gov.sg/members
Log in using your Singpass and check under Section C for the amount used for your flat. The info includes grants received.
d) Estimate agent fee of 2% (it can be more dependent on the package you wish to go for), a legal fee of $1,500~$2,000 dependent on the law firm you use.

(a) - (b) - (c) - (d) = cash proceed

2) Now you plan to buy a bigger flat; 4/5-rm. It depends on the estate you choose, some estate is more expensive than others.
It depends on whether it is a mature estate or a non-mature estate.
3) Since you had used an HDB loan in your BTO, you still have a choice of using an HDB loan again. But take note that 50% of cash proceed has to be used to finance your new purchase.
4) If you intent to use a bank loan, you will have to find out which bank offers a better rate and lock-in period, penalty, etc. Current local banks are offering similar interest; ~1.3/4% dependent on package.
5) Do note if using a bank loan, the max loan to value is 75%. Thus you will have to prepare 5% cash, 20% cash, and/or CPF.
6) $5k for OTP deposit, this amount will be considered as part of the 5% cash component mentioned in (5).
7) Some cash from your cash proceeds will need to utilize just for purchasing. It really depends on how much you can get in (1), and how much need to use in the 5% component.

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/

Note:
Any response to our answer does not reach us until we scroll through each and every query posted daily.
The best way to get a follow up is to Whatsapp or email us directly. Read More

Hi,

It depends on whether you are taking hdb loan or bank loan for the next property. For HDB loan, as its your 2nd hdb loan, you need to set aside 50% sale cash proceeds as part of the hdb regulation requirement. If its bank loan, the minimum cash downpayment is 5%. This is assuming there is no COV for the property and agreed price matches valuation.

I have worked with various clients with similar scenarios and would be happy to share the best approach. 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

ERA Top 11 Achiever in June 2020 (Top 1% Company Level)
ERA Top 91 Achiever in 2nd Quarter 2020 (Top 2% Company Level)
ERA Top 15 Achiever in April 2019 (Top 1% Company Level)
ERA Top 86 Achiever in Sept 2019 (Top 2% Company Level)
ERA Top 510 Achiever in Year 2019 (Top 8% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
Email: Ivanng10@gmail.com
IG: instagram.com/ivanngrealtor
WeChat: ivanng10
FB: fb.com/IvanNgRealtor
W: ivanng10.com/clientreviews
(Client's Testimonials)
CEA: R052114D

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

-- HDB Yishun BTO 5-RM Sellers, Private Property Upgraders Mr. & Mrs. Koh --

I would like to express my appreciation to Ivan Ng for his excellent work. Ivan is a dedicated, client-focused, patient and sincere agent. Throughout the whole process of selling and looking for our next property, he has always acted very professionally that makes my wife and I feel at ease and assured. Ivan is not a pushy and hard sales agent. Ivan listens and understands our needs and carefully guided us through. We are fortunate to have Ivan as our agent. Thank you Ivan.

-- HDB Jurong West 5-RM Sellers, Exec Apartment Purchasers, Lenz & Michelle --

We would like to thank you for ensuring a smooth and well-explained process throughout the whole selling and buying of our property. We got to know you thru Property Guru, where we are scouting for condo around West area. We remember that we are quite tight in our budget in purchasing the condo unit,but you are still very willingly explaining and calculating our financial liabilities. You are always having your smiles whenever we met for discussion.

We appreciated your process of selling and buying of our property are very systematically and well executed, from financial calculation to the purchase procedure of our new house. We are always being updated thru our group chat during the engagement of your service.

We would never expect such a smooth sailing experience of selling and buying of property. Your professionalism in work will definitely be remembered and rewarded. All the best in your property venture!

-- HDB Hougang 4-RM Sellers Mdm. Ng & Jean --

Ivan was the first and only agent that we met before engaging him as our exclusive agent. At the first meeting, Ivan meticulously went through the entire sale process. As we were not familiar with the procedures, he spent extra time to explain what was required from us and what we should expect.

After a week of preparation, Ivan came to take photographs, and once the advertisements were up, we had interested parties coming to view the apartment the very next day. Within a week, we had secured an offer from the buyer. Ivan was reliable and responsive, and he made the entire process smooth and hassle free Read More

Hi Sir/Madam

I will need more information to be able to advise you
I will be glad to assist

I won't be able to contact you first as I do not have your contact, appreciate if you can contact me at (65) 96608508  or Silviayang8@gmail.com with details of your unit
or click here https://bit.ly/WaSilvia to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9660 8508 
Email: Silviayang8@gmail.com Read More

Hi Sir

It would be difficult to advise at this stage as I will need further details in regards to your profile. If you are looking only cash wise, the below cost are applicable for purchasing a resale:

Deposit: $2 to $ 5,000 (negotiable between sellers and buyers)
Valuation Fees: $120
Resale Application Fee: $80

However for those selling their current flat and buying a new one, a personalised timeline is needed for different individuals depending on their circumstances and need. For those that don't have an interim place of stay or need to use proceeds from sale of current house to purchase a new one, a careful planning needs to be made to ensure a smooth transition. Other factors to consider is whether you would like to take a HDB loan or bank loan for your next purchase each with pros and cons and you have to be careful not to incur unexpected COV for your. next purchase as demand for HDB is currently very high. I am specialised in HDB transactions and have assisted various clients selling their houses and transition smoothly to their next house. Do contact me at 93375051  for a free and non obligatory discussions on this.

Regards
Taufik Hussein
ERA Realty Network Pte Ltd Read More

Hi,

Happy New Year to you!

In order for me to give you a detailed breakdown, I will need some figures from you. Do get in touch with me for further discussion.

I am experienced and well-versed in HDB 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