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Hi,

Perhaps you can contact me at 96659926  for a short discussion for me to run you through the overview of the purchase framework, understand your requirements and specifications as well as calculate your finances on hand (Cash/CPF amalgamation) to construct a EXACT and CUSTOMISED financial plan with payment timeline to narrow down ideal developments and shortlist exact unit layout type for your perusal. I have actively transacted many EC private properties (testimonials available on website) and since you may be unfamiliar with the process, you might want to tap onto advise and guidance in this regards, at no obligation of course. I will walk you through the entire process from selecting developments/ arranging viewings, handling bank/finance aspect, arrange for your legal processing matters as well as handle all paperwork at no cost. The purchase of private property does not involve agent fees and thus, you will enjoy expertise at every level at no obligation and cost. Furthermore, I will take the opportunity to run you through past and present transaction caveat & illustrate a pricing and customised sales report with projected returns/ capital gains for you to observe and understand, offering market insights for your consideration. I will usually share about the property outlook with my clients and tailor make a plan that suits best for them in years to come. Thank You!

Visit my website for my recent accolades, awards and testimonials@ www.kumarrai.com.

D Kumar
 +65 96659926 
ERA Associate Division Director

#1 team of ERA in Singapore, Asia Pacific International for 2014/5/6/7

ERA 2015 Q1 Top Achievers (Top1%)
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2014 ERA Asia-Pacific Business Conference Elite Award

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Hi Ms Lim,

To buy things without cash is almost non-exist in this world.

According to your situation, the best option would be to apply for BTO 2-room flexi if you reached 35 yrs old. Even with this minimum cash outlay, you will still need at least $1,500 for down payment upon success application, meaning, you are allocated a flat, and some miscellaneous charges.

Legal fees and Buyer stamp duty which are the major component of payment during a property purchase can be pay using CPF.

Hope the above answer to your main concerns, but if there are more queries, 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

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Hi Ms Lim,

Based on what you have shared, I would really need to know how much cash you have before I can properly advise you. Reason is because you mentioned the bank will loan you up to $380K but if we take a bank loan, then we will have to fork out 5% of the purchase price in cash. Assuming if we purchase a $500K property, then we will have to fork out $25K in cash minimum. So if we really want to save on the cash portion, then the alternative will be to apply for a HDB loan if we are purchasing a HDB.

Maybe it is not very convenient for you to share too much in public like this so maybe I can suggest that you can give me a call and I can guide you further from there. No worries there are no obligations at all. It will be more convenient for you to share more with me over the phone I guess.

Looking forward to hear from you soon! Cheers!

Best Regards,

Jeffrey Heng
Associate District Director (Sincerus Division)
NAVIS Living Group - A group in OrangeTee that believes in Technology, Training & Teamwork (3Ts)

Founder of Sincerus Division
SAEA Real Estate Excellence Silver Award - Best Client Service (2014)
SAEA Real Estate Excellence Award Nominee - Best Client Service (2012/2013)

** Featured in CEA Newsletter for Great Client Service - https://goo.gl/NMusPZ **
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Mobile : +65 9858 1322 
Email : hengjeffrey@gmail.com
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