Hi Jess,
There are not many 3-rm HDB flat on sale in SengKang. Their price range from $320k~$385k as of today.
I'm afraid with a budget of $300k, it is not easy to find a match.
Hereby list down a rough cost for your understanding of $350k purchase to be more realistic:
(1) OTP deposit & exercise = $5k
(2) Resale application = $80
(3) Registration & microfilming = $215.90 (3-rm & above)
(4) Valuation = $120
(5) Miscellaneous = $15
(6) Caveat = $139.30
(7) Fire insurance = $4.50 (3-rm), $5.50 (4-rm)
(8) Salesperson commission (1%+GST) = $3,745
(9) 5% cash - (1) = $12,500
(10) Legal fee = $1.5k~$2.5k dependent on loan amt (using $2k for calculation)
(11) Mortgage stamp duty = $500
CPF required for resale purchase: Listed below are the item that are able to utilize CPF OA, but has to pay in cash if CPF is insufficient.
(1) 15% downpayment = $52.5k
(2) Annual HPS = $268 assumuption made on loan is 262k.
(3) BSD (Buyer stamp duty) = $5,100
(4) ABSD (both are SPR,5%) = $17,500
Loan amount = $262.4K
Monthly mortgage: $1,190
Loan Tenure : 25 yrs
Est Interest rate: 2%
Your household income has to reach $4k in order to get sufficient loan for the purchase.
Hope the above answer to your main concerns, but if there are more queries, please feel free to contact me at
90110636 , or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.
Best regards
Ling CK
90110636 ling.ck7@gmail.com
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So the down payment is 25%?