Hi Ms N,
Thanks for your query!
The income ceiling only applies to HDB loan, and not bank loan.
With this question, I presume you are a first timer. In this new experience with weak market sentiments, it may very well be apt to have yourself walked by step by step in this process to ensure you are not shortchanged in view of your unfamiliarity. This is a buyer's market of weak market sentiments. The question always lies in HOW to leverage on it to get the best possible deal.
Perhaps we could speak further to discuss more comprehensively the crux of your requirements and preferences. Following our discussion, I will be in a better position to conduct an accurate financial projection and breakdown of cash flow for your purchase to narrow down & explore the possible options accordingly at no obligation.
I will guide you through the entire purchase- from shortlisting, to negotiation, to establishing loan matters and working out finances (cash/cpf/progressive payment), paperwork, sorting legal matters, providing you with recent up to date transaction caveats for benchmark pricing as well as furnish you with a customized sales report & indicative valuations.
D Kumar
+65 96659926
ERA Associate Division Director
www.kumarrai.com ( Recent Awards and Testimonials)
#1 team of ERA in Singapore, Asia Pacific International for 2014.
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