Judging by what you have provided, probability of you purchasing a 1 bedroom condo is quite good, as basing on the numbers, you are likely able to afford something around $700k, and your loan eligibility is in the range of about $530k.
Do get in touch with me for further discussion perhaps and we maybe able to identify something that is suitable for your profile with future exit plan established too.
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.
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1. Based on monthly salary $4800 (fixed income) and if no other loan, you will be eligible for estimated $641k loan
2. 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. Based on the info that you provided earlier, most likely you can buy max $730k condo
For Singaporean 1st Property Based on $730k, and assuming loan is 75%
5% Cash = $36,500
20% Cash/CPF = $146,000
BSD (Cash/CPF) = $16,500
Legal fee = $2,500 (estimated)
Please contact me at (65) 96608508 and I can share you the excel file breakdown for this calculation including timeline.
4. Yes it is possible to buy a 1BR condo in current market for $730k
5. Which area you prefer?
I will be glad to assist, no agent fee from private property buyer
Appreciate if you can contact me at (65) 96608508 or Silviayang8@gmail.com
or click here https://bit.ly/WaSilvia to whatsapp me for no obligation discussion
Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9660 8508
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1) Prelimarily TDSR assessment using your salary and age, your estimated loan shall be around $640k.
2) Total fund of 200k (25%) can look for an $800k property.
3) But if I take the amount for buyer stamp duty of $800k which is 18.6k and legal fees of 2.5k. I'll suggest reserving about 20k from your 200k for these costs.
4) So assume using 180k (25%) as a guide, your budget should be about 720k. Your loan will be sufficient to cover the rest.
5) You should be able to find your home using this budget.
Hope the above answer to your main concerns, but if there are more query, please feel free to contact me at 90110636, or email: email@example.com if more information is needed.
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Your monthly installment is around $1,800 per month, which is around 37% of monthly income. And part of it, you can use CPF to pay, which makes it easier on cash flow.
Feel free to call for further discussion or email for a list of carefully shortlisted properties based on your specific criteria.
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With the cash n CPF that you have, you can even buy a resale condo with 2 or even 3 beds. I am not kidding. There are 3 beds that you can buy for less than 900k. Call me so that I can share my strategy for you. Why buy new shoebox condos that are small when you can buy a 1,000sf condo or even a PH for less?
Huttons Asia Pte Ltd
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With the limited information given, you should be able to comfortably afford a 1BR condo in the range of $7xxk, after factoring the Buyer Stamp Duty and other miscellaneous cost.
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 9748 6305. I will be happy to assess and share with you the possibilities for you in the current market.
PropNex Realty Read More