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Good morning!

I will always advise my buyers to apply for in principle approval first so they can gauge how much loan can they obtain based on their income, TDSR etc.

Can I get my banker to advise you on this?

Btw do take note that SPR will be subject to 5% additional buyer's stamp duty for their first property purchase on top of the usual estimated 3% buyer's stamp duty.

If based on $700k, your downpayment will be estimated 28% of the purchase price provided you can obtain a 80% loan.

28%:

1) 5% cash downpayment
2) 15% CPF or cash downpayment
3) estimated 3% BSD
4) 5% ABSD
5) valuation fee, legal fee, stamp duty for mortgage

Hope my explanations help!

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

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
District Director
ECG Property Pte Ltd
(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com Read More

Hi Mrs Luo

Please feel free to make and exclusive appointment with me to answer all the questions you have right now. I will be more than willing to explain to you in detail. Email/call or sms me @ +65 86 86 71 66

Best regards,

Zack
Your agent, Your preferred working partner
ERA
zacktan88@gmail.com
+65 86 86 71 66 Read More

Afternoon Meihua,

Being S pass holder would mean that you will be liable for 15% ABSD, other than the standard stamp duty and legal fee. Depending on your age and income status, you might be able to obtain 80% loan and 30 to 35 years loan. The 20% down payment will be payable by cash since neither of you will have any CPF.

Do feel free to contact me for further discussion.

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

Hi Mrs Luo, are you aware of the cooling measures that will affect your buying ? Have you got your IPA ?
There are a lot of information a foreigner buyer should be aware of. Don't rush for it. Find out more to avoid unnecessary cost. I can share with both of you the estimated cost, loan, restriction...etc Please drop me an email.

I am reachable at my mobile or email.

CK Ang
 9046 3808 
res.ckang@gmail.com Read More

(1) Reviews and credibility
Read client reviews for Able S K Toh, Property Agent (Director level), on PropertyGuru:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(2) Direct contact
WhatsApp Able Toh, Property Agent (Director level), at +65 9856 9255  or via:
https://wa.me/6598569255

This platform does not support direct messaging.

(3) Property services
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(4) Private home buyers
Assistance in sourcing resale and new private homes at zero charge, as seller agents commonly share commissions.

(5) New launches and developer sales
Access to competitive pricing, no agent fees, and updated brochures, floor plans, and price lists.
Email: Able.selling@gmail.com Read More

(1) Reviews and credibility
Read client reviews for Able S K Toh, Property Agent (Director level), on PropertyGuru:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(2) Direct contact
WhatsApp Able Toh, Property Agent (Director level), at +65 9856 9255  or via:
https://wa.me/6598569255

This platform does not support direct messaging.

(3) Property services
Professional support for renting, selling, buying, and property investment in Singapore.

(4) Private home buyers
Assistance in sourcing resale and new private homes at zero charge, as seller agents commonly share commissions.

(5) New launches and developer sales
Access to competitive pricing, no agent fees, and updated brochures, floor plans, and price lists.
Email: Able.selling@gmail.com Read More

(1) Reviews and credibility
Read client reviews for Able S K Toh, Property Agent (Director level), on PropertyGuru:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(2) Direct contact
WhatsApp Able Toh, Property Agent (Director level), at +65 9856 9255  or via:
https://wa.me/6598569255

This platform does not support direct messaging.

(3) Property services
Professional support for renting, selling, buying, and property investment in Singapore.

(4) Private home buyers
Assistance in sourcing resale and new private homes at zero charge, as seller agents commonly share commissions.

(5) New launches and developer sales
Access to competitive pricing, no agent fees, and updated brochures, floor plans, and price lists.
Email: Able.selling@gmail.com Read More

(1) Reviews and credibility
Read client reviews for Able S K Toh, Property Agent (Director level), on PropertyGuru:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(2) Direct contact
WhatsApp Able Toh, Property Agent (Director level), at +65 9856 9255  or via:
https://wa.me/6598569255

This platform does not support direct messaging.

(3) Property services
Professional support for renting, selling, buying, and property investment in Singapore.

(4) Private home buyers
Assistance in sourcing resale and new private homes at zero charge, as seller agents commonly share commissions.

(5) New launches and developer sales
Access to competitive pricing, no agent fees, and updated brochures, floor plans, and price lists.
Email: Able.selling@gmail.com Read More

(1) Reviews and credibility
Read client reviews for Able S K Toh, Property Agent (Director level), on PropertyGuru:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(2) Direct contact
WhatsApp Able Toh, Property Agent (Director level), at +65 9856 9255  or via:
https://wa.me/6598569255

This platform does not support direct messaging.

(3) Property services
Professional support for renting, selling, buying, and property investment in Singapore.

(4) Private home buyers
Assistance in sourcing resale and new private homes at zero charge, as seller agents commonly share commissions.

(5) New launches and developer sales
Access to competitive pricing, no agent fees, and updated brochures, floor plans, and price lists.
Email: Able.selling@gmail.com Read More