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Hi Kenneth,

I did a rough estimation based on your age and income. You should be able to secure a loan of about 1.45 mil if you do not have other substantial financial commitments. In your case, a 4 bedroom condo unit or a jumbo flat is both possible depending on your needs and requirements.

If you prefer really big space and want to minimise on financial commitments, then jumbo will be recommended. If you want to enjoy facilities and want to see appreciation in your home price in the long run and do not mind taking a bigger loan to finance your place, then I will suggest you to get a 4 bedroom condo.

Please feel free to contact me so that I can understand your needs and requirements before I can make more informed recommendations. I am available to discuss on zoom during this period.

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com

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Mr & Mrs Tan (Seller of Inter-Terrace House) Read More

Good evening Kenneth,

Based on the preliminary info shared, the indicative estimated max loan will be around $1.47m based on a 20 year loan tenure, if there are no other major loan commitments. A jumbo or a 4 bedroom will be a good fit for your plans.

If space and comfort and less financial commitments are priorities, and you do not foresee moving again for the long term, the jumbo will be a better fit.

If preserving the wealth and also leaving a legacy for your children is also a factor, getting a private condo may be something that you may want to consider as well.

Perhaps we can discuss further over 97432395  ? Happy to hear your thought process and understand your plans further and come up with a more personalized solution.

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

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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 Read More

Hi Kenneth, 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. By the way, base on your combined salary given, you are eligible to go for a Jumbo flat and would not even overstretch your budget at all.

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

Hi Kenneth, I may have some suitable options for you to consider. Do contact me at 97970200  to discuss more

Mark, your RIGHT choice
Propnex Read More

Hi Kenneth,

Both options in terms of resale jumbo or old condo will present you the same set of potential concerns in that their balance lease tenure will make it unattractive when it comes to future resale potential. While the old condo may have a better chance to liquidate with collective sale potential, it will also be subjective to the prevailing market sentiments, nevertheless, it will require you to have higher commitment than a resale jumbo HDB flat.

Depending on how much your current fully paid HDB can fetch, you will only be required to undertake minimum loan if your option is a resale HDB jumbo flat, given that you already have an estimated $350k in funds for the purchase before your sale of current HDB.

If you'd like to work out the estimated financial plan, feel free to get in touch with me and we can schedule for an online discussion such that you will be able to understand better the financial flow.

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
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
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[main] +65 6471 8888  [mob] +65 81577565  [LDA] +65 92787772 
www.geryllim.com
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Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Dear Kenneth,

Base on your information, I would suggest that you go for HDB Jumbo unit, if you are not particular in location. Not every area has Jumbo HDB. I know Yishun do have Jumbo.
Being debt free should be the way to go once you reach late forties. I will be glad to assist you in selling and buying (contra) process for your HDB. Timing is important in such situation, as we have to manage it that you only need to shift house one time. We can meet up in May for a detailed discussion. Just let me know if you are ready to meet or you can email me or whatsapp me if you have more questions.

Thank you.

Kind Regards
J.A.Goh
ERA Division Director
Email: gohja@singnet.com.sg
HP: 96390350  Read More

Hi Sir
From the financial information you provided, I can say that you can afford to purchase either a Jumbo or resale condo with both option having pros and cons. From an investment perspective, buying a 4 bedder condo that is not too old might be a good option as some of this condos have a separate toilet for maids (which you can convert it to 3rd bathroom if you need to. Moreover the trend nowadays is that HDB units do tend to depreciate in value as the years come bu. Combined with the fact that there is no MOP period to be met should you purchase a condo, you can easily sell off your condo should your family circumstances change in the near future. 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 Kenneth,

Based on only the figures that you have shown, I think it is very comfortable for you to afford a spacious 4BR condominium today.

However, I still need more information from you to justify this proposal. I will need to understand more on your family profile, i.,e number of kids you have, their age, your monthly expenditure, your parents, their age, any medical expenditure etc. It will also be good to ascertain the resale value for your 5RM flat too, as this will give a good indication on your purchase budget.

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

Greetings from Ohmyhome!

You should get a resale Jumbo which give you more size and low or no further loan commitment since you have a fully paid 5 room flat now.

Should you need further information or assistance, feel free to contact us at 68869009  or WhatsApp us at 97551009  .

We will be most glad to assist.

Richmond Chia
Senior Advisor
Ohmyhome Pte Ltd Read More