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Good evening Shafiq,

Based on the finances you have provided, your choices for 4RM flat is rare.

Probably you should consider a 3RM flat instead.

Do take note that you will have to incur these in cash:

1) $200 valuation fee
2) $80 resale submission fee
3) HDB legal fee
4) Prorated property tax
5) agent's commission (1% of purchase) etc

If you need any assistance or advice in your property purchase, feel free to contact me. Cheers!

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
Vice President (Agency)
R043025D
Property Avenue Pte Ltd
Estate Agent no. L3010650D
Blk 420 North Bridge Road #03-30 North Bridge Centre S188727

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W):www.yttan.com
(W):www.propertyavenue.com.sg Read More

Evening,

Assuming that both of you are first timer SC and buying resale unit near either parents, you will get housing grant of $40k. That would increase your buying limit to around $310k after deducting legal and stamp fee. If you must get a 4 room flat, you can look into 4S units.

Do contact me for further discussion.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More

Hi Mr Ismail!

Thank you for your query!

We will need to discuss further on your requirements comprehensively to understand the crux of your expectations as well as to enable me to deliver a more accurate financial projection and breakdown of cash flow for your purchase.

As you know, purchasing a property is likened to an investment in a priced asset and as such, it requires critical and well thought through analysis and rationale before committing.

To kickstart,
(1) We need to catch up and speak more in details to understand what exactly you are looking for in your ideal home.

(2) Run you through the financial cash flow calculations
(Utilization of Cash/ CPF and breakdown of payments)

(3) With loan approved AND financial cash flow calculations well understood- I will succinctly propose units to view for your consideration.

(4) Once you have identified your ideal unit, I will step in and help you negotiate for the best possible deal.

A transaction report will be made available to you prior offer stage, so that you can study the transaction caveats of the surrounding transacted units for a greater in depth price analysis of market to ensure you are indeed making the RIGHT offer!

(5) Following that, post deal paperwork will be handled by myself. I will also coordinate and guide you on the legal procedures for the purchase.

As you can see, purchasing a property is an extremely organized and timely process and, it will be of huge added advantage to you if you engage a realtor with years of experience and knowledge - because that will ultimately translate to finesse and a smooth process.

If you are comfortable with working with me for your real estate needs, I will be most glad to render my services, advise and expertise accordingly.

Visit my website to view all my recent accolades - esteemed awards and testimonials to gather more information on me: www.kumarrai.com

D Kumar
 +65 96659926 
ERA Associate Division Director
www.kumarrai.com

#1 team of ERA in Singapore, Asia Pacific International for 2014.

About Me-
ERA Top Achievers 2013/14
ERA Multi-Million Dollar Club Award
2014 ERA Asia-Pacific Business Conference Elite Award

P Group-
2015 February ERA Top Achievers
2014 Overall Top Achievers
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