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Hi, my spouse and I have around 80K in CPF. Looking for a flat near woodlands to get 40K (near parents). Earning slighty lesser than 5K a month and am looking for a 4A unit. Not much cash on hand hence looking for 1 with 0 cash. What is the longest repayment period for HDB loan? 25/30 years? Can someone give me the house price range that I can afford without any monthly cash involvement? Thanks!
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4 Answers

YT Tan (陈永达)
Hi, Currently HDB loan is based on 30% MSR and 25 years loan tenure. Apply for a HLE to find out your financial capability to afford a flat. Do bear in mind, there are still cash component. You have to fork out $5k for option money, resale submission, valuation report, agent's commission etc. Hope it helps! Warmest Regards, YT TAN 陈永达 | ACCA Graduate, RES Senior District Manager R043025D ECG Property Pte Ltd (A Wholly Owned Subsidiary of ECG Group of Companies) Estate Agent no. L3009759F Blk 190 Lorong 6 Toa Payoh #05-508 S (310190) (M): +65 9111 5171  (E): yt.lovelyhomes@gmail.com (W): www.yttan.com (W): yttan.stproperty.com.sg/ (W) www.lovelyhomes.com.sg (W) www.ecgproperty.com Read More
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Carolyn Gavriella Choo
Hi! Like what my fellow agents mentioned, you will need to apply for a HLE to know whether you are eligible to purchase a 4A in Woodlands. Having done that, I have a unit for sale at Blk 689A Woodlands Dr 75 - foodcourt, ameneties and a few minutes walk to MRT. Price is reasonable. Do call me if you would like to view the unit - Carolyn Gavriella Choo 96982333  Read More
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Christine Huang
Hi, it would be great to meet up with you for a non-obligatory chat and to understand your needs and financial concerns. Do contact me if you are keen and I would be most glad to assist you. I can be reached via Call / SMS / Whatsapp / Email. Speak soon. Cheers! * Warmest regards, Christine Huang Mobile: 94783204  CEA Reg. No.: R048164I Email: christineloveswork@gmail.com PropNex Realty Pte Ltd Read More
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Dear Sir, Good day to you! I am working as Woodlands Property Agents and am familiar with the prices for the 4A in that area. It would be good if we can meet up to understand further of you and your spouse financial planning and assist you in getting your first home. I will be able to explain in details for the time line and financial planning to both of you. Hope to hear positive reply from you soonest. Warmest Regards, Agnes Tan 9029 4911  agnestan77@gmail.com Read More
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