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Hi Sir/Mdm,

Your other options will be to explore private properties or maybe even commercial/industrial properties.

I have recently assisted a client in similar situation as you and with detailed financial calculation, going through the process of purchase and most importantly understanding her situation and needs, she has completed a purchase of her 1st private property. All done with calculated risk analysis as well.

Please feel free to get in touch with me directly and I will be happy to share in detail the options you can consider. No obligations ;) Have an awesome day ahead!

Best regards,
Vera Wang
Assoc. Group Director
CEA Reg. No.: R051578J
PropNex Realty Pte Ltd

Mobile: +65 8777 7907 
Email: wangvera88@gmail.com
Web: https://sgpropertyportal.com.sg/
Facebook: https://www.facebook.com/verawangprop
Building Relationships One Home at a Time Read More

Dear sir/madam,

Basing on your input information, assuming that you have no existing financial commitments and also zero CPF for usage, your maximum purchase price is estimated to be in the range of $428,000.

Going by this quantum range, your options out there is likely to be left with only industrial properties. Are you looking out for investment opportunities or you are planning to look at residential homes for own stay?

I have been in the real estate business since 2009, with more than 10years 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.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Associate Deputy Group Director
Salesperson Registration No. R014783H
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
[main] +65 6471 8888  [mob] +65 81577565  [LDA] +65 92787772 
www.geryllim.com
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Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Hi,

You need not wait until 35, you can purchase a HDB flat if you manage to find a spouse.

Alternatively, you may wish to consider private property.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans.

Should you need require further assistance in matters relating to property, please contact me at my mobile 9748 6305  . I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More

Dear Sir/Mdm,

Based on your income, you should be able to secure a loan of $500,00. Taking into consideration your CPF in your OA, you should be able to afford a 1 bedroom private condo.

Please feel free to contact me so that I can gather more information from you and propose to you some of the different options that are available to you.

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS)
Cert-in-REA
(E) nick96444854@gmail.com
SEAA Salespersons Achievement Platinum Award 2020
Visit my website to know me better: www.nicktan.com.sg

I was featured recently on Council for Estate Agencies (CEA) Newsletter:
http://bit.ly/CEAnews

I have written a guide on buying Residential Property:
http://bit.ly/buypropertyguide

Testimonial from Satisfied Clients
“Nick is a responsible, efficient and excellent salesperson. He has very good knowledge of the real estate market and I benefited a lot from his advice and sharing. He is extremely patient when guiding me through the buying process and I am happy to secure a dream house within my budget with his assistance. A highly recommended salesperson who made my house hunting journey a breeze.”
Ms Chia (Buyer)

“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.”
Susana (Buyer)

“Nick is very pro-active in helping us to resolve whatever questions and problems that we encountered. All the issues are settled even before us having to request or ask for a second time. He was very frank and transparent with all the details, limitations and advantages that we wouldn’t have known. I think this is the most important virtue to be successful in this line. I will surely recommend him to anyone who needs his service because I trust that they will be equally satisfied!!”
Mr and Mrs Chan (Sold and Bought a property through Nick)

“We are very grateful to Nick for his extensive marketing efforts. With his comprehensive marketing plan, he helped us to achieve a record selling price within 2 weeks of listing our property for sale! We highly recommend his service to anyone who is keen to sell their properties.”
Mr & Mrs Wong (Property Seller)

“Nick has conducted himself ethically and professionally when handling the sales of our property. Thanks to his patience and perseverance, we managed to secure a sales price beyond our expectations.
We are very happy and satisfied with his services and will definitely recommend him to our friends and family in the future.”
Mr & Mrs Tan (Seller of Inter-Terrace House) Read More

Hi,

In order to have a clear picture what are your option in owning a property in this state.
The first thing is to do a financial assessment:

Based on your info:
Action income: $3.9k
Cash Saving: $120k
CPF OA: ?
Age: 27 years old
Outstanding loan: Assume NO

Approximate loan available:
TDSR: $507k (private), loan tenure: 30 yrs
MSR : $227k (HDB), loan tenure: 25 yrs

Your available fund for private property = TDSR + Cash + CPF OA = $627k + CPF OA
So it depends on how much your CPF OA available. That can use for stamp duty and/or conveyance fee.

Your available fund for HDB resale/BTO (if you find your other half) = MSR + Cash + CPF OA = $347k + CPF OA
Again, depends on how much your CPF OA available. That can use for stamp duty and/or conveyance fee.

So it is either a 1-bedroom private or a 3-rm HDB flat.

Hope the above answer to your main concerns, but if there are more query, 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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Hi Do contact me to 97970200  to discuss more on your objectives and propose an ideal solution for you.

Mark, your RIGHT choice
Propnex Read More

Hi

You may consider a small private property although there might be some disadvantage to it which I will highlight if we got a chance to meet up. I do provide 100% free service on purchase of private property. Do contact me at 93375051  for a free and non obligatory discussions on this.

Regards
Taufik Hussein
ERA Realty Network Pte Ltd Read More