17 Answers


Broadly 5% cash. The rest can be CPF & Loan. It would be good to have a casual chat and we can share with you the transaction process, timeline and an estimated cash flow statement for your understanding.

You may text 9620 0827  .

Gavin Read More

The minimum cash required is 5% of the purchase price. Typical breakdown as follows, assuming 800k purchase.

5% cash 40k
20% cpf OA 160k
75% max home loan 600k
3% approx stamp duties and legal fees 21.1k (can use CPF OA if sufficient).

Since you are first timer Singaporean couple, you may want to consider some of the new ECs on the market, where you can enjoy up to $30k cpf housing grant.

Having worked with several young couples, happy to share more on the best approach for your housing plans.

As we cannot reach you on this platform, do contact me at 97432395  . 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
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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.

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Dear sir/madam,

Minimum cash component for a private home purchase will be at 5% of the home purchase price assuming you have purchase at or below the valuation. Broadly speaking, your cash component and CPF component needs to be at least 30% of the purchase price, considering stamp duty and legal fees applicable.

I have done a rough estimate on your home loan amount eligible base on the assumption that both of you are 35 years old. With monthly combine income of $5,400, the estimated loan amount you are eligible for will be in range of $720,000, which works out to be maximum purchase price of around $960,000 (estimated monthly instalment around $3,240).

As we are unsure how much cash are you intending to put in for this purchase, we will be unable to go into further details in terms of planning for this home purchase.

Should you require any further assistance, feel free to get in touch with us for further verification.

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 client's 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
Associate Deputy Group Director
Salesperson Registration No. R014783H
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OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
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Landed Dynamic Alliance
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The cash outlay pretty much depends on how much is the property that you are looking at.. its 5% of the price via CASH 20% via CPF, excluding the Stamp Duty and legal fees .. There are some value buy condos in the market.. Do contact me so I can share with you more on which are the value buys as i'm unable to contact you here.. Thanks

Lyna Song
Associate Group Director
Propnex Realty Pte Ltd
lynasong@hotmail.com Read More
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.

Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More
Hi there,

Thank you for your query.
To be fair and honest , any advise or computation given here would be brief , and not tailored succinctly for your proposed plans. To be able to assist more effective, perhaps you could contact me so that I can address all concerns and run you through the exact financial calculations and financial plan for your purchase to ascertain your feasibility. From there , I can narrow down your options and advise which will value add your portfolio. I have held many such cases in my career and will be glad to offer advise and insights as a form of preliminary discussion to expedite your plan. It will also be useful for me to run through transaction caveats of your property and customise and sales and purchase report for your understanding and perusal.

Please visit my website : www.kumarrai.com for all the up to date awards, testimonials and accolades. Thank you very much!

D Kumar
 +65 96659926 
ERA Associate Division Director
#1 team of ERA in Singapore, Asia Pacific International for 2014/5/6/7

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P Group
Overall Top 100 achievers 2014-2017 Read More
Hi there, give me a buzz at 94508732  so I can assist you further.
A property purchase requires in-depth understanding of your current life and financial situation. A one to one consultation with a property consultant would be best.

With regards,
Andik Imran
realestatedad.sg Read More
Hi Sir/Madam

Is there any particular area/ other requirements?
I will be glad to assist
No agent fee from private property buyer

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
or click here http://bit.ly/2tzIQ1a to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

PropNex Realty Pte Ltd
Mobile: (65) 9660 8508 
Email: Silviayang8@gmail.com Read More
For private property 5% downpayment would have to be made in cash while 20% would have to be made in CPF. It would be great if you can give me a call at 93375051  for a free and non obligatory consultation on this. Moreover most agents do not charge a fee for purchase of private property so it will be very advantageous for you to take advantage of this.
Taufik Hussein
ERA Realty Network Pte Ltd Read More
YT Tan (陈永达)
Good morning Sir/ Mdm,

You will be able to obtain $721k bank loan if its based on a 30 years loan tenure which will translate to a property value of $961k.

If we make it simple to a $1m property, you will need to get ready all these funds.

5% cash $50k
20% cpf/ cash $200k
stamp duty 24,600 as SC
other misc fees: $2.6k legal fee, valuation fee $428 etc

Hope my sharing aids in clearing your doubts.

May I know how can I value add further in your property needs?

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YT TAN 陈永达 | ACCA Graduate, RES
Propnex Realty Pte Ltd

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http://bit.ly/yt_proptrack Read More
Robbie Chen Chee Howe

For private residential, the minimum cash downpayment you will need is 5% of the property purchase price. The balance 20% downpayment can be paid using your CPF. Should your CPF is insufficient, you will need to top up in CASH.

Do take note that the above is subjected to you qualifying for 75% loan based on your TDSR. You will also need to set aside some funds for Buyer Stamp Duty (BSD).

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
Dear Sir/Mdm,

You seem to be in a good financial position to get a private condo. It is important to choose a development with good entry price and strong upside potential so that in time to come, your first home will become an asset for you.

Please feel free to contact me so that I can share with you the overall trend of the real estate market and more importantly determine what is a comfortable budget and what are the potential good products in the market currently.

Nick Tan
(M) +65 9644 4854 
(E) nick96444854@gmail.com
Visit my website to know me better: www.nicktan.com.sg

I was featured recently on Council for Estate Agencies (CEA) Newsletter:

I have written a guide on buying Residential Property:

Testimonial from Satisfied Clients
“Nick is a responsible, efficient and excellent salesperson. He has very good knowledge of the real estate market and I benefited 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)

“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)

“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 a property through Nick)

“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) Read More
Hi, you may contact me at 98216829  for further discussion, based on ur income and Cpf funds , it will be workable if you have some cash savings to pay for the down payment.
OTT Read More

As a simple calculation, assuming you go for a property valued at 1mil, u would need to fork out 25% downpayment, of which 5% must be in cash.

Property value : 1mil
Downpayment in cash: 50k
Downpayment in cash/cpf: 200k

Looking at your description, unless you have significant cash reserves, it may not be advisable to go for something that is huge quantum or even a private condominium..

If you don't mind, do reach out to me @ 98155245  so I am able to help you do an analysis of your financial health and provide you the options available to you in order to make a stress free investment into your next home!

Kevin Tang
Propnex Realty Read More
Greetings from Ohmyhome!

I have a new list which can fit your budget.

It's a 5 year old condo, very high floor 2 bedder asking only $900K.

For more information, kindly contact us at 68869009  or WhatsApp us at 97551009  .

Richmond Chia
Senior Advisor
Ohmyhome Pte Ltd Read More