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Good afternoon,

Perhaps you might want to consider Skies at Miltonia? Age and price quantum and size of 4 bedroom seems to fall in line with what you need. If condos that are 20 - 30 years old are not an issue, there are more options as spacious units tend to come from older condos. Examples include Euphony Gardens or Yishun Sapphire (currently no 4 bedroom units).

Based on 9.2k income, assuming no other loans except home loan, you should be able to loan up to $1mil for 27 year loan tenure. There could be other ways to bump up this loan, so the possible purchase price we can look at is between $1.5mil - $1.7mil.

Hope the above clarifies. May I have more info and requirements about your plans so as to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Diamond Achiever

SEAA Salesperson Achievement Award 2021 (Gold)
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-- HDB Yishun BTO 5-RM Sellers, Private Property Upgraders Mr. & Mrs. Koh --

I would like to express my appreciation to Ivan Ng for his excellent work. Ivan is a dedicated, client-focused, patient and sincere agent. Throughout the whole process of selling and looking for our next property, he has always acted very professionally that makes my wife and I feel at ease and assured. Ivan is not a pushy and hard sales agent. Ivan listens and understands our needs and carefully guided us through. We are fortunate to have Ivan as our agent. Thank you Ivan.

- EC Sellers Mr. & Mrs. Siah - : We have had a positive experience with Ivan throughout the sale of our EC. He is a very responsible and helpful agent. He managed to sell our EC within a month, which exceeded our expectations. He has gone the extra mile to ensure there are interested buyers viewing our flat every weekend, and has provided frequent updates on the progress. On top, he has provided valuable advice in our property planning journey. He is someone who listens to the needs of his clients, but at the same time value add by adding his own perspective and insights to what works the best. We are very grateful to have him through this sale, especially since this was our first time selling our flat. Read More

Hi,

I would be most glad to assist you further and please feel free to let me know if you need any assistance. Have a good day ahead. By the way, there are a few newer condo at Yishun too.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Hi

In order to advise further, I will need more details in regards to your profile. Do contact me at 93375051  for a free and non obligatory discussion on this.

Regards
Taufik Hussein
Marketing Director
ERA Realty Network Pte Ltd
CEA Reg No: R061607B
Contact No: 93375051  Read More

Hi Sir/Mdm,

It is good to get a 4 or 5 bedroom unit as the demand will continue to be strong in the future. You seems to be in a good position to upgrade because of your income and the positive sale from the EC. For Yishun, I do not think there are any good 4 bedroom options at the moment and therefore I would suggest you to open your search to nearby areas such as Sembawang.

Do not be overly worried about the lease decay as good projects are able to hold their value well over time as historical data has shown. Please feel free to contact me so that I can understand your objectives better before I can assist you further.

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 / 2022

WhatsApp: https://wa.me/qr/X6VRPGSSIHN5D1

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Testimonial from Satisfied Clients
“I would like to recommend Nick Tan from SRI. Before we engaged Nick, we were working with another agent from a very popular property agency in February 2017. We decided to terminate the contract after 5 weeks of zero viewings and no paper advertisements. Basically he was just waiting for phone calls. We engaged Nick on 20th April and by 10th of May, our unit was sold off. Why Nick? 1. He has good marketing strategies 2. He always kept us posted on what he did (communications!) 3. He made sure we understand the current market situation but he will consistently reassure us that the unit can be sold off 4. He is not greedy and trusting 5. He walks the talk”
Peter & Wendy (Property Seller)

I write to commend Nick Tan (R040814C). When my husband and I first met Nick, we were impressed by his drive, commitment, business acumen and strategical thinking, and decided to engage him. We were not disappointed. Nick sourced for prospective quality buyers in a targeted methodical fashion and was effective in connecting us with serious buyers, notwithstanding the fact that the search primarily took place over Dec – Feb (a traditional lull period). Throughout the transaction, he also gave us helpful advice in various aspects; the advice reflected his personal experience and expertise and was not simply regurgitated from public sources without any value-add. Further, Nick went beyond the call of duty of a competent professional. He had a sense of humanity in the way he interacted with myself and the other parties to the transaction such as my parents. As an example, my newborn daughter was warded into A&E on the completion date of the transaction; the care and concern that Nick showed went beyond the scope of work of an estate agent. I commend Nick for his capabilities and character, and would certainly wish to engage him for future property transactions.
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“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)

“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 apprec Read More

Hi Sir/Madam

1. Based on $9200/month fixed income and assuming no other loans, you should be able to loan up up to $1mil for 27 year loan tenure.
The amount will change if you have other outstanding loans
You can also inform bank on your bonus (if any) for consideration of your loan
Before shortlisting project/unit, I will suggest to check your in principal approval of your loan from banker.
I can connect you with reputable banker for this, free of charge and no obligation.

2. For initial downpayment, if you have around $500K (Cash and CPF), then you should be able to get property up to $1.77 mill
As for the loan, There is a few possible ways for you to be able to get higher than $1mill loan

3. Are you looking to buy under 1 name? If you are looking to buy under 2 names (with your spouse or other family member) then bank can consider all owners income for loan.

4. For 4 bedrooms (>1200 sqft) in Yishun, there is a few projects available such as Yishun Sapphire, 1 Canberra, Euphony Gardens.
For new project you can consider the Commodore, around 3-5 mins walk to MRT and Shopping Mall.
https://96608508-the-commodore.eraprojects.sg/
I would need to know more on your requirement to be able to advise you better.
I have current price list, promo of every projects in Singapore and will be glad to advise you
No agent fee from private property buyer

Selling:
1. Steps in selling
- Appoint agent to market your unit, I will be glad to assist on this
- After that I will proceed to market your unit in online portals and propose to buyer on hand.

2. Pricing Strategy
Selling price will be depend on level, facing, condition of unit, etc
Appreciate if you can contact me at (65) 96608508  with details of your unit so I can advise accordingly

3. I will be glad to assist finding the right buyer
I am well versed in EC/Private Property transaction and have done many transactions

Timeline:
- It is important to ensure that your EC buyer have already exercised the Option To Purchase before you exercise the Option To Purchase for your private property purchase
- Do you need the cash proceeds from your current house for the new house? If yes, the completion date for your EC need to be earlier

I will be glad to assist
Appreciate if you can contact me at (65) 96608508  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) 9660 8508 
Email: Silviayang8@gmail.com Read More

Hi Do contact me at 97970200  to understand more and discuss

Mark, your RIGHT choice
Propnex Read More

Hi,

1) Using your age and current income, you should be able to loan around $1M.
2) Combined with your estimated funds on hand, you can consider any property within $1.5M.
3) You are right that your choice would be limited to resale condos.
4) You have to consider conveniently yourself and your family for daily living, and which type of lifestyle is a better choice for you.
5) If you take (4) into consideration then you have to look into those that are nearer to the MRT station, amenities, or even a prestige primary school is more important.
6) If you don't worry about the above and feel that it is the future growth of the property is more important then you will have to look into which condo can bring you a better ROI.
7) Lease decay is definitely a concern. But this could also be a plus point to choosing those with a higher chance of getting an en-bloc.
8) All-in-all, you have to have a priority list in order to make a decision before I can provide some meaningful recommendations.

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

Hope the above answer 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
I would be glad to assist you.
Feel free to contact me at 97100155  .
Hope to hear from you soon.
Pei
Associate Group Director
Propnex Realty Pte Ltd

https://linktr.ee/peiproperty
https://r011838b.propnex.net Read More

Hi,

Based on the figures given, I think it is possible to you to upgrade to a bigger unit.

With some detailed financial planning, you may be able to secure a higher loan to enable you to get your desired 4-bedroom condo.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

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