AskGuru Q&A Community

Hi Michael ,

The procedure is very striaght forward , let me know your budget , which area you prefer , from there I can guide you along . Call me at (+65)92272638  or drop me at andy.cheng@orangetee.com .

Best Regards
Andy Cheng (OrangeTee) Read More

Dear micheal,
To get a resale condo, u have to prepare 1% of option money. beside u can find a good banker to give u good interest rate & they will assist financing proposal for u. if u need more further information, while not drop me sms/ contact me, i'm willing to assist u ! good day

best regards,

Zane chew
Mobile : 9477 8866 
email : Lsalice @ yahoo.com Read More

Dear sir,

Though there are many agents out there, you may be thinking to yourself who do you wish to engage? Just try your luck maybe. Well, you can trim to three or two, eventually one who could and would focus and give you his reasonabe advice to suit your needs.

You may call me at 9636 8506  or email me at: soheddie@singnet.com.sg

Thank you and look forward to hearing from you.

Regards
Eddie Soh
DTZ Read More

Hi please contact or sms me at 91007377  and email at kingproperty@hotmail.com. I can help you source for fire sales and best buys.

Nick Vishindas DTZ
 91007377 
www.kingpropertyagent.com Read More

call/sms me :)

Best Regards,
Lester Tan (+65) 9101 7777 
Senior Vice President
FindaHome @ HSR Property
Property Consultants Pte Ltd
www.91017777.com Read More

Recently my client bought a condo while 'holding' on to a HDB flat. She need the 'funds' and hence, has to sell the

HDB unit. The S&P process needs careful and confident planning. Call us if you need an opinion or check this site
www.catherinepang.com Read More

More info call 98212887  Jimmy Teow C&H group CEA Reg no R023182J or visit www.jimmyteow.com Read More

More info call 98212887  Jimmy Teow C&H group CEA Reg no R023182J or visit www.jimmyteow.com Read More

Dear Michael,
procedures to buy a resale condo is quite straightforward.
Its the negotiation price of the shortlisted unit with agreed term and conditions as well as planning of the timeline for a smooth transition, cashflow that is also quite critical.

I have consolidated the buying process of a condo and also answers to some faq.

http://buycondo.sg/buying-process.html

With regards,
Gary Lim (R009877B)
Mobile: +65 94507545 
Website: http://buycondo.sg/
Website: http://www.garylimproperty.com
Email: garylim.propnex@gmail.com Read More

Hi there,

Please feel free to contact me at 96659926  for a non obligatory discussion for me to better understand your requirements and specifications to optimize your time and search in a hassle free manner!

Based on your budget,needs and preferences, I will come up with a customized list of units to view, which works efficiently and effectively.

My services cover you through the whole process from finding the property to negotiating for the best price to post deal paperwork to establishing financial calculations and ascertaining risks. I will also provide you with a comprehensive report (sales/rental) , price analysis of surrounding properties and rental yield & future capital appreciation projections information.

Do visit my website to view my testimonials/recent awards and gather more info on me: www.kumarrai.com.
Look forward to hearing from you! Have a great day!

D Kumar
 96659926 
ERA Associate Division Director
www.kumarrai.com
www.singapore-newproperties.com dkumar@era.com.sg Read More

Dear Michael Koh,

First I help my buyers about resale condo by educating them.
That's why there are 11,400++Fans following me on LinkedIn

https://www.linkedin.com/pulse/condo-buyers-guide-101-mani-subramanian-veeramani

https://www.linkedin.com/pulse/10-minutes-guide-buying-resale-condo-mani-subramanian-veeramani

There are so much other important things that you should know…
Check it out 400+ posts, contains useful guides & tips, etc.
Download, forward/share with your Facebook friends as well.
“The Ultimate Home Buyer’s-Seller’s Guide”
https://goo.gl/A7Kx7w

Mani
https://www.linkedin.com/in/AskRealtorMani
Questions? #AskRealtorMani 8300 4411  Help@AskRealtor.sg
https://www.linkedin.com/messaging/compose Read More

Take a look at the listings on propertyguru or other portals.
Have a viewing at the units that got your attention..

Whoever the agent listing will be able to assist you with it.
Otherwise any agent will be more than happy to help you coordinate the viewings and represent you. Usually at no cost for buying private properties.

- Hakim
property@hakim.sg
 9144 9841  Read More

Looking to sell, buy or rent? Looking to re-evaluate your asset portfolio? Look no further.

Call or text for a non-obligatory consultation discussion to know more. Let’s start your journey to your dream home today!

Best Regards,
John Lai
“Right Believing, Right Living”
PropNex Associate Director
(M): 8444-0899 
Email: johnlaiproperty@gmail.com

Self introductory video - https://youtu.be/yygkGSG4Mtw

Social Media -
FB: facebook.com/johnlaiproperty
IG: @johnlaiproperty
Tiktok: @johnlaiproperty
YouTube: @johnlaiproperty Read More

We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us! Read More

Hi Sir/Madam

Are you looking to sell/buy or rent out your property?

I will be glad to assist
I am well versed in Private Property transaction and have done many transactions
Appreciate if you can contact me at (65) 9 6 6 0 8 5 0 8 with details of your unit
or click here https://bit.ly/WaSilvia to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9 6 6 0 8 5 0 8
Email: Silviayang8@gmail.com Read More

My Answer with regards to your Question:

Allow me Assist Further Read More

WhatsApp me at: ABLE Toh (65) 98 56 92 55 or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
"If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 98 56 92 55 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )
(***) You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.
For buyers, I offer solutions for sourcing resale and new private homes at no charge.
I can connect you with reputable bankers for private housing loans free of charge and with no obligation.
I also have partners to assist with mortgage home insurance matters.
Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!
*** You can reach me at my Singapore mobile: (65) 98 56 92 55 or email me at Able.selling@gmail.com.
From: ABLE Toh- Your Property ASSISTANT : ）
“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ” Read More

WhatsApp me at: ABLE Toh (65) 98 56 92 55 or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
"If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 98 56 92 55 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )
(***) You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.
For buyers, I offer solutions for sourcing resale and new private homes at no charge.
I can connect you with reputable bankers for private housing loans free of charge and with no obligation.
I also have partners to assist with mortgage home insurance matters.
Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!
*** You can reach me at my Singapore mobile: (65) 98 56 92 55 or email me at Able.selling@gmail.com.
From: ABLE Toh- Your Property ASSISTANT : ）
“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ” Read More

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
"If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(***) You can READ my REVIEWS here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

For buyers, I offer solutions for sourcing resale and new private homes at no charge.

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

I also have partners to assist with mortgage home insurance matters.

Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

*** You can reach me at my Singapore mobile: (65) 9856 9255  or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT : ）
“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

*** DEVELOPER SALES TEAM !!! BEST PRICES !!! NO AGENT FEES !! LOWEST PRICE GUARANTEED !!!
*** Connect Singapore Line: (65) 9856*9255
FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST !!! Read More

Buying a resale condo in Singapore involves a few steps, but once you’re clear on the process, it’s pretty manageable. Here’s a simple guide:
1. Check Your Eligibility & Finances

If you’re a Singaporean or PR, you’re allowed to buy most private condos.

Make sure your TDSR (Total Debt Servicing Ratio) is within limit.

Get In-Principle Approval (IPA) from a bank to know your loan eligibility.

Factor in additional costs like Buyer’s Stamp Duty (BSD) and possibly Additional Buyer’s Stamp Duty (ABSD) if you own other properties.

2. Engage an Agent (Optional but Helpful)

A good agent helps shortlist units, arrange viewings, negotiate price, and handle paperwork.
(Feel free to message me if you need someone on your side.)

3. View & Shortlist Units

Look out for key factors like layout, facing, maintenance fees, and nearby amenities.

Check URA caveats for recent transacted prices in the same project.

4. Make an Offer & Issue OTP

Once you agree on the price, the seller issues an Option to Purchase (OTP).

You pay 1% of the purchase price as option fee.

5. Exercise OTP

Within 14 days, you exercise the OTP by signing and paying another 4%, bringing total to 5%.

Your lawyer will take over from here — doing title checks, liaising with seller’s lawyer, and lodging caveats.

6. Completion

This usually takes about 8 to 12 weeks from OTP.

On completion day, you pay the balance and get the keys to your new condo.

If you’re thinking about buying and not sure where to start, I’d be glad to help walk you through your options.

Aren Goh | 96576701 
Feel free to message me anytime — happy to assist whether you're just exploring or ready to buy. Read More

**1. Check your eligibility and finances**

* **Citizens & PRs**: No restriction on buying private condos.
* **Foreigners**: Can buy condos, but landed homes have restrictions.
* Work out your **budget** (downpayment, monthly loan) using TDSR (Total Debt Servicing Ratio: 55% income cap).
* Factor in **ABSD** (Additional Buyer’s Stamp Duty) if you already own property.

---

**2. Get an in-principle approval (IPA)**

* Approach banks to pre-approve the maximum loan you can get.
* IPA is usually valid for 30–90 days and helps you shop confidently.

---

**3. Shortlist and view properties**

* Search on portals like PropertyGuru, 99.co, EdgeProp.
* Engage a buyer’s agent (cost is usually covered by the seller’s agent).
* Compare locations, facilities, condition, maintenance fees, and nearby amenities.

---

**4. Make an offer**

* Negotiate price based on market comparables.
* You can issue an **Offer to Purchase** with a small booking cheque (usually 1% of purchase price).

---

**5. Engage a lawyer**

* Lawyer will handle due diligence, option documents, and completion paperwork.

---

**6. Exercise the Option to Purchase (OTP)**

* Pay another 4% (total 5% deposit).
* Usually must exercise within 2–3 weeks of receiving the OTP.

---

**7. Arrange the bank loan & valuation**

* Bank will send a valuer to confirm property value.
* Finalise the loan package and sign the Letter of Offer.

---

**8. Pay Buyer’s Stamp Duty (BSD) & ABSD (if applicable)**

* Pay within 14 days of exercising OTP.

---

**9. Completion & key collection**

* Takes about 8–12 weeks from exercising OTP.
* On completion date, your lawyer will transfer funds to the seller, and you collect your keys.

---

**Quick tip:** Always set aside **3–5% extra for legal fees, stamp duty, and renovation** so you’re not caught short.

---
.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255  or email me at Able.selling@gmail.com.

***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!

*** Connect Singapore Line: (65) 9856*9255

FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

NEW Launches Condominium in 2025 , call , whatsapp me FOR BEST CHEAPEST, LOWEST PRICE: Read More

**1. Check your eligibility and finances**

* **Citizens & PRs**: No restriction on buying private condos.
* **Foreigners**: Can buy condos, but landed homes have restrictions.
* Work out your **budget** (downpayment, monthly loan) using TDSR (Total Debt Servicing Ratio: 55% income cap).
* Factor in **ABSD** (Additional Buyer’s Stamp Duty) if you already own property.

---

**2. Get an in-principle approval (IPA)**

* Approach banks to pre-approve the maximum loan you can get.
* IPA is usually valid for 30–90 days and helps you shop confidently.

---

**3. Shortlist and view properties**

* Search on portals like PropertyGuru, 99.co, EdgeProp.
* Engage a buyer’s agent (cost is usually covered by the seller’s agent).
* Compare locations, facilities, condition, maintenance fees, and nearby amenities.

---

**4. Make an offer**

* Negotiate price based on market comparables.
* You can issue an **Offer to Purchase** with a small booking cheque (usually 1% of purchase price).

---

**5. Engage a lawyer**

* Lawyer will handle due diligence, option documents, and completion paperwork.

---

**6. Exercise the Option to Purchase (OTP)**

* Pay another 4% (total 5% deposit).
* Usually must exercise within 2–3 weeks of receiving the OTP.

---

**7. Arrange the bank loan & valuation**

* Bank will send a valuer to confirm property value.
* Finalise the loan package and sign the Letter of Offer.

---

**8. Pay Buyer’s Stamp Duty (BSD) & ABSD (if applicable)**

* Pay within 14 days of exercising OTP.

---

**9. Completion & key collection**

* Takes about 8–12 weeks from exercising OTP.
* On completion date, your lawyer will transfer funds to the seller, and you collect your keys.

---

**Quick tip:** Always set aside **3–5% extra for legal fees, stamp duty, and renovation** so you’re not caught short.

---
.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255  or email me at Able.selling@gmail.com.

***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!

*** Connect Singapore Line: (65) 9856*9255

FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

NEW Launches Condominium in 2025 , call , whatsapp me FOR BEST CHEAPEST, LOWEST PRICE: Read More

当然，这里是你提供内容的简明中文翻译：

---

**1. 确认资格和财务状况**

* **新加坡公民和永久居民**：购买私人公寓没有限制。
* **外国人**：可以购买私人公寓，但购买有地住宅有限制。
* 根据 **TDSR（总债务偿还率，最高55%收入）** 计算预算（首付和每月贷款）。
* 如果已有房产，需考虑 **ABSD（额外买方印花税）**。

---

**2. 取得贷款原则性批准（IPA）**

* 找银行预先批准你可以获得的最高贷款额度。
* IPA一般有效期30至90天，帮你安心看房。

---

**3. 筛选和实地看房**

* 在 PropertyGuru、99.co、EdgeProp 等网站搜索房源。
* 可聘请买方代理，费用通常由卖方代理承担。
* 比较地点、设施、房屋状况、管理费及周边配套。

---

**4. 出价**

* 根据市场行情谈判价格。
* 可以提交购买意向书（Offer to Purchase），并支付约1%房价的定金。

---

**5. 聘请律师**

* 律师协助处理产权调查、购房文件和交割手续。

---

**6. 行使购买选择权（OTP）**

* 再支付4%定金（合计5%）。
* 通常需在收到OTP后2至3周内行使。

---

**7. 安排贷款及估价**

* 银行派估价师确认房产价值。
* 确认贷款方案并签署贷款合同。

---

**8. 缴付买方印花税（BSD）和ABSD（如适用）**

* 必须在行使OTP后14天内缴清。

---

**9. 完成交割和领取钥匙**

* 通常需要8至12周完成交割。
* 交割当天，律师将资金交给卖方，你可拿到钥匙。

---

**小贴士**：请额外准备3%至5%的预算，用于法律费、印花税和装修，避免资金不足。

---

如果需要更多帮助或找房源，欢迎联系我：
手机：（65）9856- 9255
邮箱：[Able.selling@gmail.com](mailto:Able.selling@gmail.com) Read More

**1. 确认资格和财务状况**

* **新加坡公民和永久居民**：购买私人公寓没有限制。
* **外国人**：可以购买私人公寓，但购买有地住宅有限制。
* 根据 **TDSR（总债务偿还率，最高55%收入）** 计算预算（首付和每月贷款）。
* 如果已有房产，需考虑 **ABSD（额外买方印花税）**。

---

**2. 取得贷款原则性批准（IPA）**

* 找银行预先批准你可以获得的最高贷款额度。
* IPA一般有效期30至90天，帮你安心看房。

---

**3. 筛选和实地看房**

* 在 PropertyGuru、99.co、EdgeProp 等网站搜索房源。
* 可聘请买方代理，费用通常由卖方代理承担。
* 比较地点、设施、房屋状况、管理费及周边配套。

---

**4. 出价**

* 根据市场行情谈判价格。
* 可以提交购买意向书（Offer to Purchase），并支付约1%房价的定金。

---

**5. 聘请律师**

* 律师协助处理产权调查、购房文件和交割手续。

---

**6. 行使购买选择权（OTP）**

* 再支付4%定金（合计5%）。
* 通常需在收到OTP后2至3周内行使。

---

**7. 安排贷款及估价**

* 银行派估价师确认房产价值。
* 确认贷款方案并签署贷款合同。

---

**8. 缴付买方印花税（BSD）和ABSD（如适用）**

* 必须在行使OTP后14天内缴清。

---

**9. 完成交割和领取钥匙**

* 通常需要8至12周完成交割。
* 交割当天，律师将资金交给卖方，你可拿到钥匙。

---

**小贴士**：请额外准备3%至5%的预算，用于法律费、印花税和装修，避免资金不足。

---

如果需要更多帮助或找房源，欢迎联系我：
手机：（65）9856- 9255
] Read More

**1. 确认资格和财务状况**

* **新加坡公民和永久居民**：购买私人公寓没有限制。
* **外国人**：可以购买私人公寓，但购买有地住宅有限制。
* 根据 **TDSR（总债务偿还率，最高55%收入）** 计算预算（首付和每月贷款）。
* 如果已有房产，需考虑 **ABSD（额外买方印花税）**。

---

**2. 取得贷款原则性批准（IPA）**

* 找银行预先批准你可以获得的最高贷款额度。
* IPA一般有效期30至90天，帮你安心看房。

---

**3. 筛选和实地看房**

* 在 PropertyGuru、99.co、EdgeProp 等网站搜索房源。
* 可聘请买方代理，费用通常由卖方代理承担。
* 比较地点、设施、房屋状况、管理费及周边配套。

---

**4. 出价**

* 根据市场行情谈判价格。
* 可以提交购买意向书（Offer to Purchase），并支付约1%房价的定金。

---

**5. 聘请律师**

* 律师协助处理产权调查、购房文件和交割手续。

---

**6. 行使购买选择权（OTP）**

* 再支付4%定金（合计5%）。
* 通常需在收到OTP后2至3周内行使。

---

**7. 安排贷款及估价**

* 银行派估价师确认房产价值。
* 确认贷款方案并签署贷款合同。

---

**8. 缴付买方印花税（BSD）和ABSD（如适用）**

* 必须在行使OTP后14天内缴清。

---

**9. 完成交割和领取钥匙**

* 通常需要8至12周完成交割。
* 交割当天，律师将资金交给卖方，你可拿到钥匙。

---

**小贴士**：请额外准备3%至5%的预算，用于法律费、印花税和装修，避免资金不足。

---

如果需要更多帮助或找房源，欢迎联系我：
手机：（65）9856- 9255
] Read More