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Your income assessment will likely be affected since your income is only 1 month. If you are taking bank loan, this maybe overcome depending on the banks assessment criteria, but of course, your loan to value can only be up to 75% instead of 80%.

I have been in the real estate business since 2009, with more than 13 years 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.

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Warmest regards,
Geryl Lim
Associate Group Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Hi Mdm,

As you're only 1-2 months into your new job, your income status will affect the amount of loan you can get. If you need a higher loan, perhaps you could explore the option from banks? Alternatively, you can hold back your purchase for the time being until you can secure a higher loan with proof of your long term employment.

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 +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More

Hi,

1) This 12-month thingy was only implemented on 9th May 2023. It was only 3 months in the past to tabulate the MSR.
2) Due to the high volume of HFE applications from 9th May till now. They have to prioritize those straightforward cases before those under appeal.
3) As for your case, if they deal with it under a straightforward case, your income will not be taken into consideration. It implied that they would only consider your husband's income.
4) So my suggestion is you accumulate a 3-month payslip and submit it together with your HFE application. If the loan is still not sufficient, then you put up an appeal to increase your loan amount with your income.
5) By the time they review your case, you could have already accumulated a 6-month payslip by then. This will increase the chance of getting a higher loan.

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

Hope the above answers 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
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

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