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Good morning!

Since you do not own any residential property in Singapore, you will be eligible for up to 75% loan, subject to your loan assessment based on your income and age. The balance 25% has to be financed by cash (minimally 5%) and CPF funds. Do take note that you will also be required to pay Buyer's Stamp Duty of up to 3% if your purchase is below $1m and can be financed by CPF too.

Supposed you are eligible for full 75% and loan tenure of up to 65 years old at an interest rate of 3.5%, your estimated monthly mortgage is just under $4,000. Do take note to factor in the monthly maintenance fees of the condo as well for your financial considerations.

I have been in the real estate business since 2009, with more than 13 years 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 Group Director
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K Read More

Hello! Assuming a purchase price of $1M for a 2 bedroom resale condo in today’s market.

Purchase price : $1M
5% Cash : $50k
20% CPF / Cash : $200k
Stamp Duty : $24,600
Legal fees : $2000 - $3000

Assuming :
Loan amount: $750,000 loan
Loan tenure: 30 years tenure
Interest rate : 4.5%,
Your monthly instalment will be about $3800

On top of that you would need to set aside funds for

Valuation fee : $300
Insurance : $40 - $100 depending on insurer
Property tax : $300
Maintenance fee : $300-$400 depending on the number of people sharing the maintenance fee

I would be glad to offer you a free consultation, absolutely none obligatory to discuss your real estate needs. No agent fees for private property purchase. Please feel free to contact me

Samantha Han
PropNex Realty Read More

Hi,

The first step you should do now is to speak to a banker to ascertain the amount of loan you can qualify for. The maximum loan you can get for a private property purchase is up to 75%, subjected to TDSR requirements.

Assuming your income can qualify you for 75% loan, you will need to fork out the balance 25% as downpayment. Out of this 25%, 5% has to be in Cash, while the balance 20% can be from your CPF.

Stamp duty for Singaporean's first property purchase on a $1m property is $24,600. Mortgage installment will depends on your loan amount, loan tenure and interest rates you're getting. For a $750k loan for 23 years, it's estimated $4000 monthly.

I suggest that we can meetup to discuss further on your property purchase. This meetup will solve your queries, and allow you to have a clear direction. This in turn will give you the confidence in picking the right property for yourself.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property 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 +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
PropNex Realty Read More

Hi

1. May I know if your husband HDB has reached 5 years MOP?

2. Do you intend to take loan for your purchase?
If yes, Before shortlisting project/unit, I will suggest to check your in principal approval of your loan from banker.
I can connect you with reputable banker for this, free of charge and no obligation.

3. For Singaporean 1st Property Based on $1 mill, and assuming loan is 75%
5% Cash = $50,000
20% Cash/CPF = $200,000
BSD (Cash/CPF) = $24,600
Legal fee = $2,800 (estimated)

Assuming interest rate at 3.3%, loan installment will be estimated $3882/month
Please contact me at (65) 9660.8508 and I can share the breakdown for this calculation including timeline.

4. How many bedrooms are you looking at and which area you prefer?
To check out other project: https://96608508.eraagent.sg/projects
I have current price list, promo of every projects in Singapore and will be glad to advise you

I will be glad to assist, no agent fee from private property buyer
Appreciate if you can contact me at (65) 9660.8508
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) 9 6 6 0 8 5 0 8
Email: Silviayang8@gmail.com Read More

I am Sorry that This platform does not allow me to direct contact you.

To further assist you, please feel free to contact me via WhatsApp at 9856 9255  or through this link: https://wa.me/6598569255.

My services come with no obligations, and I'm here to help with any questions or assistance you need.

You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

For buyers, I offer solutions for sourcing resale and new private homes at no charge.

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

I also have partners to assist with mortgage home insurance matters.

Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

You can reach me at my Singapore mobile: +65 9856 9255  or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT ：）

“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

XXXXX The END XXXXXXX Read More

Hi, hopefully you managed to get your doubt or query answered. If so, then congrats! Hopefully you are doing well now.

If you are currently or planning to find a property agent, I can assist.

If you are interested in prices of houses in your neighbourhood, you may visit this website to find out more or contact me.

https://www.era.com.sg/R064892F

If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.

Landon Chew
97 39 60 40
landonchew@email.com Read More