Property & Real Estate Discussions on Home Financing

3469 Results Found in Home Financing

Anonymous in Home Financing

asked on 8 Nov 2014

Hi, my girlfriend is the owner of a 3-room hdb flat with the mother as the occupier. I have no property under my name. My girlfriend and I intend to purchase a property after we get married. Will our LTV be capped at 50% because of my girlfriend...

0 • 536 views 1 Answer

Mr. JOHN . in Home Financing

asked on 8 Nov 2014

Hi, 1. what documents are required for bank loan? if no payslip, can I get a letter from employer stating average monthly salary? 2.For Example, I use all my ordinary account CPF + bank loan to finance a new hdb flat, and I'm still employed...

0 • 3299 views 9 Answers

Mr. JOHN . in Home Financing

asked on 7 Nov 2014

Hi, When getting HDB loan from bank, do they just consider the 'take home pay(employee CPF minus off)' or total income before minus off employee CPF contribution? Thanks in advance.

0 • 517 views 1 Answer

Anonymous in Home Financing

asked on 5 Nov 2014

I have already finished the MOP for my HDB and I want to invest in a private property. As I am still servicing my current HDB home loan, what is the maximum bank loan I can get for the private property? Is it 60%? Thanks in advance.

0 • 825 views 3 Answers

Mr. Dragon Fly in Home Financing

asked on 2 Nov 2014

I intend to buy a EC at 880k but after much calculation, I still has a shortfall of about 195k. My question is can I wait until I sold off my current HDB flat and my 200k CPF money return to my CPF acct then I use it to pay off the shortfall....

0 • 868 views 2 Answers

Ms. Jacqueline Chen in Home Financing

asked on 30 Oct 2014

I was supposed to pay a 20% downpayment (5% cash and 15%cpf) with 80% bank loan. However if the bank was to only offer me the loan at 73%, then how do I make up for the 7% shortfall? Using cash, cpf or mixture of both?

0 • 1162 views 3 Answers

Ms. Jo Tan in Home Financing

asked on 26 Oct 2014

I am single planning to buy re-sale 4 room flat and I am eligible for HLE. Can I loan from two institution; HLE 50% & Bank 50%? Thank you for your reply in advance.

0 • 549 views 4 Answers

Anonymous in Home Financing

asked on 24 Oct 2014

My spouse is a foreigner and we have a Singaporean child. I'm unemployed currently. We would like to buy a HDB flat. Is there any way we can get a housing loan? Thanks.

0 • 608 views

Anonymous in Home Financing

asked on 21 Oct 2014

My wife and I bought a new HDB flat 5 years ago and it was fully paid using both our cpf account a year ago. We are considering to buy a 2nd property for investment purpose. We are evaluting the decoupling option to avoid the 7% ABSD, but was told...

0 • 1430 views 3 Answers

Mr. Hairudin Yusof in Home Financing

asked on 21 Oct 2014

Hle approved $336500 wife cpf around $70k and mine around $7k but cpf refund after selling off my unit will be around $88k. So must I use bridging loan from bank if I buy a resale unit that cost more than the available Hle and current cpf...

0 • 1209 views 4 Answers

Mr. Hairudin Yusof in Home Financing

asked on 21 Oct 2014

Hle approved $336500 for any flat types and it indicate in bold not allowed for purchasing DBSS flat. Does that mean for resale DBSS or brand new DBSS? I'm actually interested to buy a resale 5 rm DBSS after selling off my 5 rm unit in Woodlands....

0 • 777 views 2 Answers

Mr. Chia Wah Lim in Home Financing

asked on 15 Oct 2014

Hi, may I know what is the best choice to taking loan from HDB or bank?

0 • 631 views 1 Answer

Mr. bradd kwek in Home Financing

asked on 15 Oct 2014

Hi Gurus. Need your advice. I'm below 35yo earning a fixed income of $20k/mth with no debts to service. I'm keen to purchase a landed. What's the max loan I will be able to secure from the bank based in my profile?

0 • 963 views 6 Answers

Anonymous in Home Financing

asked on 13 Oct 2014

Hi, I would like to find out more about the stamp duty. If I am looking into purchasing an EC, would the stamp duty be reimbursed in time into my CPF so that it could also be used to pay for the 15% of the property? If I am not mistaken, the...

0 • 582 views

Anonymous in Home Financing

asked on 13 Oct 2014

Hi there, I am currently staying with my husband and my mother-in-law in a landed property which is co-owned by them and my husband's siblings (one bro and one sis). My husband is paying for the loan using his CPF and cash; his sister using CPF...

0 • 657 views

Anonymous in Home Financing

asked on 18 Sept 2014

Dear Guru, i have a question about the EC grant. I currently had a bto flat awaiting completion. I signed the S&P before 2012 and had paid the 5% downpayment without applying for the AHG. However, my wife and I are thinking about forfeiting...

0 • 866 views 1 Answer

Anonymous in Home Financing

asked on 17 Sept 2014

How does the new rulings about government valuations AFTER the OTP help to curb rising COV figures? If a buyer and seller must agree on an amount before the OTP, and before the property valuation. And if the the valuation of the property is lower...

0 • 702 views 2 Answers

Anonymous in Home Financing

asked on 15 Sept 2014

Just MOP 4-room HDB flat at Jurong West, will have left ~$52k HDB loan by May-17. Wants to sell the flat by May-17 and buy 3-BR or 4-BR Lake Life EC. Combined monthly income $7k, Age 35 & 40. CPF ~$85k, Cash ~$60k, no other loans commitment....

0 • 1583 views 8 Answers

Mrs. jenny ho in Home Financing

asked on 12 Sept 2014

hi, i'm a PR currently working in singapore would like to purchase a condo between 600-650k would like to enquire about the loan and downpayment for private condo. I'm currently drawing 2000sgd monthly with 50,000sgd cash on hand and not having...

0 • 851 views 2 Answers

Anonymous in Home Financing

asked on 11 Sept 2014

Hi, just want to clear my doubt regarding home loan. If I've get a home loan of $450,000 from a bank to buy a EC. After I sold my current HDB, I do a partial redemption using a total of $250,000 from the CPF refunded and cash proceed. My...

0 • 975 views 2 Answers

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