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Hi,

The minimum downpayment is at least 10% of purchase price, hence you still will need savings to kickstart the purchase. Otherwise, you may wish to consider taking up personal loans. Thanks and hope it clarifies, is there anything I can assist further?

Warm regards
Ivan ERA
 97432395 
Ivanng10@gmail.com
Www.ivanng10.com Read More

Hi Ms Poh, As i understand, this should be your first property. getting a unit without cash or saving is not impossible. However, there are other factors which you might have to be mindful of. Do drop me a call or email for a more detailed discussion on how we can make it happen for you.
Cheers
Rix Jim
 9687 1379 
rix.jim@hotmail.com
Propnex Read More

Afternoon Ms. Poh,

Do note that as your combined income exceed $10k hence you are not eligible for HDB loan, if you are buying HDB unit. With bank loan, bank will provide you with max of 80% loan. This would means that you need to prepare 20% in cash. It would be advisable to work out on the finances before proceeding with the purchase.

FYI
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More

Hi there!

Just a brief financial overview of your purchase-

Based on 80% loan of purchase price, 20% cash payable of which:
15% CPF
5% Cash

Based on 90% loan of purchase price, 10% cash payable fully by CPF.
This can be established by my bankers whom I work closely with.

You would be liable for :
-Buyer Stamp Duty 3%
-Legal fees, valuation fee

As you may be short of cash I understand, you may consider options like personal loan etc. not to worry, we can discuss on the options available.

I have recently helped my client secure his ideal resale HDB property recently ,below valuation within a week of viewing, and believe I could assist you similarly! Please feel free to contact me at 96659926  for a non obligatory discussion for me to better understand your requirements and specifications to be in a better position to advise you further in the most detailed and thorough manner.

Based on your requirements and preferences, I will succinctly shortlist and come up with a customized list of units to view.

I have transacted many deals in recent times, and assure walking you through the entire process- from taking on the responsibility of seeing you through all your purchase aspects- charting out price analysis for understanding of current market market sentiments, ascertaining your financial flow cash calculations, loan matters and handling all technicalities of purchase (shortlisting, negotiation for best possible price and post deal paperwork)

Visit my website to view my testimonials & recent awards to gather more information on me: www.kumarrai.com

Look forward to hearing from you!

D Kumar
 +65 96659926 
ERA Associate Division Director
www.kumarrai.com
www.singapore-newproperties.com.
contactdkumarrai@gmail.com

About Me-

ERA Top Achievers 2013/14
ERA Multi-Million Dollar Club Award
2014 ERA Asia-Pacific Business Conference Elite Award

P Group-
2015 February ERA Top Achievers
2014 Overall Top Achievers
2014 Aug/Sept/Dec ERA Top Achievers
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