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5 Answers
Hi, appreciate your sharing over PropertyGuru, planning for HDB or private condo ?
looking for own stay or investment ?
What your timeline and budget range ?
Looking forward to assist you at WhatsApp +65 9696 4398 or email me at stewartlim96964398@gmail.com
Cheers
Stewart
PropNex Senior Associate Division Director Read More
looking for own stay or investment ?
What your timeline and budget range ?
Looking forward to assist you at WhatsApp +65 9696 4398 or email me at stewartlim96964398@gmail.com
Cheers
Stewart
PropNex Senior Associate Division Director Read More
There are many factors to consider around property ownership when it comes to inheritance and legacy planning.
I'm a Harvard graduated real estate agent with a degree in economics, and have supported clients on more than $1 billion in transactions.
I work carefully with many clients on their asset plans, and would be happy to share more with you. Please drop me a message via my contact below and we can discuss further.
Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More
I'm a Harvard graduated real estate agent with a degree in economics, and have supported clients on more than $1 billion in transactions.
I work carefully with many clients on their asset plans, and would be happy to share more with you. Please drop me a message via my contact below and we can discuss further.
Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More
Step 1: Check Your Legal Eligibility
HDB Flats: Restricted by citizenship, marital status, and age (e.g., SC/SC or SC/SPR couples under the Public Scheme; single SCs aged 35+ under the Single Scheme).
Private Condominiums: Open to Singapore Citizens, Singapore PRs (subject to 5% ABSD on first home), and foreign nationals (subject to 60% ABSD unless covered by Free Trade Agreements).
Landed Homes: Restricted strictly to Singapore Citizens (foreigners/PRs require Singapore Land Authority Land Dealings Approval Unit approval).
Step 2: Establish Your Budget & Affordability
Downpayment (Max 75% LTV):
Bank loan requires 25% downpayment (minimum 5% liquid cash, 20% CPF OA or cash).
Stamp Duties:
Buyer's Stamp Duty (BSD): Tiered rates from 1% up to 6%.
Additional Buyer's Stamp Duty (ABSD): Based on residency and property count.
Debt Ratios:
TDSR: Total monthly debt obligations cannot exceed 55% of gross monthly income.
MSR: Mortgage cannot exceed 30% of gross income (for HDB and EC purchases).
Step 3: Transaction Roadmap (Purchase to Keys)
In-Principle Approval (IPA) / HFE: Secure bank pre-approval or HDB Flat Eligibility (HFE) letter before committing.
Secure the Unit: Pay booking fee for the Option to Purchase (OTP) (1% cash for private resale, up to $1,000 for HDB resale, 5% cash for new launch).
Exercise OTP & Pay Stamp Duty: Exercise within 14–21 days and pay BSD/ABSD within 14 days of exercising.
Legal Completion: Handled by your conveyancing law firm (typically 8 to 12 weeks for resale properties).
What is your residency status (Singapore Citizen, PR, or Foreigner)?
What property segment and price range are you looking to explore?
Gan Eng Joo Onassis 颜荣裕, REALTOR®
MSc BIT (Middlesex, England, United Kingdom); BBA (South Australia)
CEA Reg No: R021244C | Singapore Line: (+65) 88899918
Email: onassis@sgagent.com
Singapore First and Most Established Branding for Real Estate Services:
SGAgent.com | SGRealtor.com | SGCommercial.com | SGCBD.com
New Launch & Showflat Portals: SGSHOWFLAT.COM | SGNEWLAUNCH.COM
SG Residential and Commercial Real Estate Specialist with over 1,000 Properties across Singapore
Pioneering 1-Stop Integrated Property Ecosystem:
• Property Financial & Capital Solutions: SGCASH.COM
• Property Repair, Maintenance & Reinstatement: SGREPAIR.COM
• Property Legal Advisory & Conveyancing Network: SGLEGAL.COM
Social (Facebook & TikTok): @sgcommercial Read More
HDB Flats: Restricted by citizenship, marital status, and age (e.g., SC/SC or SC/SPR couples under the Public Scheme; single SCs aged 35+ under the Single Scheme).
Private Condominiums: Open to Singapore Citizens, Singapore PRs (subject to 5% ABSD on first home), and foreign nationals (subject to 60% ABSD unless covered by Free Trade Agreements).
Landed Homes: Restricted strictly to Singapore Citizens (foreigners/PRs require Singapore Land Authority Land Dealings Approval Unit approval).
Step 2: Establish Your Budget & Affordability
Downpayment (Max 75% LTV):
Bank loan requires 25% downpayment (minimum 5% liquid cash, 20% CPF OA or cash).
Stamp Duties:
Buyer's Stamp Duty (BSD): Tiered rates from 1% up to 6%.
Additional Buyer's Stamp Duty (ABSD): Based on residency and property count.
Debt Ratios:
TDSR: Total monthly debt obligations cannot exceed 55% of gross monthly income.
MSR: Mortgage cannot exceed 30% of gross income (for HDB and EC purchases).
Step 3: Transaction Roadmap (Purchase to Keys)
In-Principle Approval (IPA) / HFE: Secure bank pre-approval or HDB Flat Eligibility (HFE) letter before committing.
Secure the Unit: Pay booking fee for the Option to Purchase (OTP) (1% cash for private resale, up to $1,000 for HDB resale, 5% cash for new launch).
Exercise OTP & Pay Stamp Duty: Exercise within 14–21 days and pay BSD/ABSD within 14 days of exercising.
Legal Completion: Handled by your conveyancing law firm (typically 8 to 12 weeks for resale properties).
What is your residency status (Singapore Citizen, PR, or Foreigner)?
What property segment and price range are you looking to explore?
Gan Eng Joo Onassis 颜荣裕, REALTOR®
MSc BIT (Middlesex, England, United Kingdom); BBA (South Australia)
CEA Reg No: R021244C | Singapore Line: (+65) 88899918
Email: onassis@sgagent.com
Singapore First and Most Established Branding for Real Estate Services:
SGAgent.com | SGRealtor.com | SGCommercial.com | SGCBD.com
New Launch & Showflat Portals: SGSHOWFLAT.COM | SGNEWLAUNCH.COM
SG Residential and Commercial Real Estate Specialist with over 1,000 Properties across Singapore
Pioneering 1-Stop Integrated Property Ecosystem:
• Property Financial & Capital Solutions: SGCASH.COM
• Property Repair, Maintenance & Reinstatement: SGREPAIR.COM
• Property Legal Advisory & Conveyancing Network: SGLEGAL.COM
Social (Facebook & TikTok): @sgcommercial Read More
✔1 Are you planning for an HDB flat or private condo? Is the main purpose for own stay or investment?
✔2 May I know your expected timeline and budget range? These will help narrow down the suitable options.
✔3 For long term ownership and legacy planning, factors such as citizenship, age, property ownership and family circumstances can affect your choices.
✔4 For private property, you should also factor in the downpayment, bank financing, BSD and ABSD when planning your budget.
✔5 I work closely with clients on property and asset planning. Feel free to contact me through the details below, and we can discuss your plans further.
“Plan your life wisely, but leave room for the unexpected.” — Epictetus
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.
-----------------------99Years------------------------999Years---------------------->>>
IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.
WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255 , Property Agent (Director ) or via this link:
* https://wa.me/6598569255
* Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.
* ✔✔✔You can READ my REVIEWS here:Able S K Toh
* https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
* For PRIVATE HOME BUYERS
* ✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge
* ✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents
* DEVELOPER SALES TEAM
* ✔✔ BEST PRICES ✔✔ NO AGENT FEES
* ✔✔ LOWEST PRICE GUARANTEED
* For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.
* ✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255 , Property Agent (Director )
* ✔✔ WhatsApp: https://wa.me/6598569255
* ✔✔ Email: Able.selling@gmail.com
* ---///------
* CHINESE VERSION // 中文版本
* 如需房产相关协助，
* 包括出租、出售、购买或投资，
* 欢迎联系我。
* ✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255
* WhatsApp：https://wa.me/6598569255
* ✔✔✔查看我的客户评价：
* Able S K Toh,房地产经纪（董事) 诗强
* https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
* 私人住宅买家服务
* ✔✔ 协助转售及新私人住宅
* ✔✔ 买家无需中介费
* 发展商销售团队
* ✔✔ 最优惠价格
* ✔✔ 无中介费
* ✔✔ 保证最低价
* 新推出私人公寓资料、电子手册、户型图及价格表，
* 欢迎随时联系。
* ✔✔ 新加坡联系号码（ABLE TOH）/ 诗强：（65）9856-9255
* ✔✔ 电子邮箱：Able.selling@gmail.com
* --------------- 结束 / The END ------------------ Read More
✔2 May I know your expected timeline and budget range? These will help narrow down the suitable options.
✔3 For long term ownership and legacy planning, factors such as citizenship, age, property ownership and family circumstances can affect your choices.
✔4 For private property, you should also factor in the downpayment, bank financing, BSD and ABSD when planning your budget.
✔5 I work closely with clients on property and asset planning. Feel free to contact me through the details below, and we can discuss your plans further.
“Plan your life wisely, but leave room for the unexpected.” — Epictetus
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.
-----------------------99Years------------------------999Years---------------------->>>
IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.
WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255 , Property Agent (Director ) or via this link:
* https://wa.me/6598569255
* Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.
* ✔✔✔You can READ my REVIEWS here:Able S K Toh
* https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
* For PRIVATE HOME BUYERS
* ✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge
* ✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents
* DEVELOPER SALES TEAM
* ✔✔ BEST PRICES ✔✔ NO AGENT FEES
* ✔✔ LOWEST PRICE GUARANTEED
* For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.
* ✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255 , Property Agent (Director )
* ✔✔ WhatsApp: https://wa.me/6598569255
* ✔✔ Email: Able.selling@gmail.com
* ---///------
* CHINESE VERSION // 中文版本
* 如需房产相关协助，
* 包括出租、出售、购买或投资，
* 欢迎联系我。
* ✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255
* WhatsApp：https://wa.me/6598569255
* ✔✔✔查看我的客户评价：
* Able S K Toh,房地产经纪（董事) 诗强
* https://www.propertyguru.com.sg/agent/able-s-k-toh-61591
* 私人住宅买家服务
* ✔✔ 协助转售及新私人住宅
* ✔✔ 买家无需中介费
* 发展商销售团队
* ✔✔ 最优惠价格
* ✔✔ 无中介费
* ✔✔ 保证最低价
* 新推出私人公寓资料、电子手册、户型图及价格表，
* 欢迎随时联系。
* ✔✔ 新加坡联系号码（ABLE TOH）/ 诗强：（65）9856-9255
* ✔✔ 电子邮箱：Able.selling@gmail.com
* --------------- 结束 / The END ------------------ Read More