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Good day to you.

Securing a resale condo or a resale executive condo (EC) that is over 10 years old would meet your goal of having your own personal space, without the need to wait for years. Assuming you are both the same age and have solid credit histories, you should be able to obtain a loan of around $1.4 million. With the CPF funds at your disposal, you could aim for property pricing in the vicinity of $1.3 million, factoring in BSD payable. However, you'll need to set aside upfront cash of $62,500 for the Option Fee.

How about we schedule a meeting to go over the details? This way, we can fine-tune everything before moving forward with your plans.

Navigating a property transaction can feel overwhelming, especially when it intersects with major life events.
With over 15 years of experience as a property consultant, my role goes beyond market knowledge — it is to provide clarity, structure, and peace of mind through complex decisions.

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If you’re seeking clarity rather than pressure, I’m happy to have a conversation to understand your situation and outline possible next steps.

Mike Lim
CEA Reg No: R026708F | ERA
WhatsApp: https://wa.me/message/VCDD3MUYRD3JP1
Email: m52i@yahoo.com

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Hi,
Your best options are a resale condo or resale EC as both of you would need to be above 35 to qualify for the joint-singles scheme.

I have a ready list of properties for you to choose from customised for your age group.

Please contact me so that I can be of further assistance.
Cheers!

Elan Govan
MABA (Lancaster)
 90170747 
jayelan@gmail.com
www.goodpropertiesguide.com Read More

✔1 Resale homes offer faster entry and personal space without years of waiting.

✔2 Your financial profile supports a loan close to 1.4 million comfortably.

✔3 CPF usage allows a target budget near 1.3 million, with upfront cash needed for the option fee.

✔4 Resale condo or resale EC fits the age and eligibility rules best.

✔5 A discussion helps sharpen the plan and move ahead with confidence.
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

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Hi

For HDB purchase under joint singles scheme, both of you must be at least 35 years old, single, unrelated and Singaporean citizen. Since you are not 35 yet, you can only purchase private property (resale EC is considered private property as well).

If the income is 13k per month, assuming no other loan obligations, and both 32 years old, your max loan amount should be approx $1.49mil, for 30 years tenure.

Assuming 100k cash savings plus 300k cpf OA, the purchase price you can look at should be around $1.43 mil. Are you guys looking to move out this year?

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 home-owners to smoothly complete their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
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Hi,

Yes you are right, as you are below the age of 35 years old, you are only limited to resale condo/EC or new condo. For new condos, there will be a waiting time as you will need for it to be completed. For resale condo/EC, you will be able to move in within 4 to 5 months, taking into some minor renovation.

Based on the preliminary info that you have provided, both of you should be able to secure a loan of about 1.5 mil and with your CPF, you should be able to afford a 3 bedroom private resale condo quite comfortably.

It is important to obtain an In Principle Approval of loan first so that you can work out a comfortable budget. Please feel free to contact me so that I can give you an overview of the purchase process and highlight to you what are the important issues to take note of when buying your first property.

Regards,
Nick Tan
(M) +65 96 44 48 54
B.Eng(Chemical)(Hons)(NUS)
Cert-in-REA
(E) nick96444854@gmail.com
SEAA Salespersons Achievement Platinum Award 2020/2022/2023/2025
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We have the privilege to work with Nick on our recent house purchase and we are extremely grateful for all the help he rendered to make the purchase a seamless experience!
Nick is attentive to all the requirements we have for our purchase and in the short span of time, he was able to provide us with potential shortlisted units that meet our criteria. (A big lifesaver for family with young kids and limited availability!) When conducting a viewing, Nick is highly proactive as he can be seen taking notes, asking questions, checking the conditions (that we missed or never thought of) and etc.
Overall, Nick remains reactive and portrays professionalism in this entire process. We would definitely recommend him to our friends and family who are looking for their next home/move opportunity.

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Nick provides a delightful customer experience from day one when I engage him as my agent to look for a property 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.
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You have plenty of options in the private segment and it will be good if you are able to work out the financial aspects with a banker or mortgage specialist to understand the commitments before jumping onto the home search bandwagon.

The process is non-obligatory therefore it will be helpful in narrowing down to the most optimal choices.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market. Check out the EdgeProp featured article on myself recently at https://www.edgeprop.sg/property-news/geryl-lim-leading-landed-real-estate-heart-hustle-and-harmony

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 15,900 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.

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Hell, with your current income and savings, there are actually many options available to you!

There are going to be heavy implications on the HDB side in the future (if you plan to get a HDB eventually), depending on the route that you take now.

I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy. I would love to schedule a free consultation to discuss your options.

I've helped many buyers like yourself find clarity over what they can do at your age and income to reach their property goals, and would love to support you too!

Please message me via my details below:

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Hello, with your current income and savings, there are actually many options available to you!

There are going to be heavy implications on the HDB side in the future (if you plan to get a HDB eventually), depending on the route that you take now.

I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy. I would love to schedule a free consultation to discuss your options.

I've helped many buyers like yourself find clarity over what they can do at your age and income to reach their property goals, and would love to support you too!

Please message me via my details below:

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Hi, appreciate your sharing over PropertyGuru, options
- HDB resale flats
- Resale EC
- Brand new EC which bounce out for sale

Able to meet up and share the process and timeline.
Looking forward to assist you at WhatsApp +65 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart
PropNex Senior Associate Division Director Read More

There’s an important clarification here.

For private property (resale condo or rersale EC, new launch condo), you do not need the Joint Singles Scheme at all. That scheme only applies to HDB and new ECs, and in those cases both buyers must be at least 35 years old.

Given your combined income of around $13k/month, no outstanding loans, and $250k–$300k CPF, you’re actually in a healthy position for private property.

You’re not limited to just one structure:

You can buy one condo together for own stay, or

One party buys a condo first, and the other keeps flexibility for a second purchase later (own stay or investment), depending on long-term plans.

If you are open to it, drop me a message and I can walk you through a few possible routes

Warm regards,
Amethyst Teo
Realtor since 2013
SRI Pte Ltd

Estate Basics
Singapore Real Estate (Rentals, HDB, Private Condo)

CEA Registration No: R052728B
 +65 8201 9831 
www.estatebasics.sg

I am Amethyst Teo, a Singapore Realtor since 2013.

I work across rentals, resale homes, and long term property planning, and have supported over 1000 families with their rental and sales decisions over the past decade.

My work focuses on:
• Rentals for tenants and landlords seeking clear terms and smooth outcomes
• First time buyers looking for undervalued and sustainable properties
• Resale owners who want real exposure through a network of agents.

Clients often work with me for my planning approach. I focus on clarity before transactions, realistic expectations, and long term decision making rather than rushed outcomes.

Over the years, I have helped many clients and close friends purchase their first property before 35 through careful planning. In several cases, this led to S$500k or more in accumulated value over time, without excessive risk taking.

I am based in Singapore and work with both HDB and private properties.

You can find more about my work at Estate Basics. Read More

Hi,

1) If your partner is SC or SPR, you will have choice to look for ECs that had already met MOP but under 10 yrs from TOP.
2) Your loan amount should be around $1.49M with the current income.
3) Whereas if your partner is a foreigner, than, you would have to find ECs that passed the 10yrs mark.

All The Best!!!

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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Your viable options

1) Resale Condo (private)
✔ Most flexible choice
✔ No MOP restrictions
✔ Wide range of sizes & locations
✔ Good if you want space now and investment upside
This is the most common choice for couples like you.

2) New Condo (private launch)
✔ Brand new, usually full facilities
✔ Can be great choice if your budget allows
✘ Premium pricing vs resale
This is ideal if you want new condition and facilities, and your budget supports it.

3) Resale EC (Executive Condominium)
✔ More affordable than private condo
✔ After MOP (5 years), becomes private — good upside
✘ Resale ECs are limited in supply
This is very viable if you find one that fits your budget and timing.

Which is “most viable”?

Most Flexible: Resale Condo
• Plenty of supply across Singapore
• No age or singles restrictions beyond eligibility
• Can buy now, move in soon

Most Value for Money: Resale EC
• Often cheaper per sq ft than private
• After 5-year MOP, you enjoy condo prices
• Good balance of affordability and upside

Most Aspirational: New Condo
• Best facilities, modern layouts
• Higher pricing and often longer waiting for keys Read More

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

Hi Do contact me at 97970200  to understand more and discuss.

Mark, your RIGHT choice
Propnex Read More