AskGuru Q&A Community

Hi,

1) What you are asking is known as "Deferred Income Assessment".
2) You will be eligible for the deferred income assessment when you meet the following criteria, which I believed you are meeting the following:
(a) One of both applicants are a full-Time Student
(b) At least one party is age 30 yrs old or below.
(c) At least one party must be a 1st timer.

3) The income assessment for housing grants and loans will be carried out approximately 3 months before the flat completion for an uncompleted flat (BTO).
4) For an uncompleted flat (BTO), you can make use of the Staggered Downpayment Scheme and pay the required downpayment in 2 installments.
(a) 1st installment of downpayment (5% or 10% of the purchase price) at the signing of Agreement for lease. This can pay using cash or CPF OA saving. This could happen 1 to 2 yrs before flat completion.
(b) Balance at key collection. This can pay using cash or CPF OA saving.

5) If you have sufficient funds in your CPF OA, you may use your CPF funds and get back your booking fees (not option fees). Otherwise, this paid booking fees will form part of your down payment.

6) So go ahead with your BTO application. I believed by the time you got your BTO everything will rest perfectly.

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

Note:
Any response to our answer does not reach us.
The best way to get a follow-up is to Whatsapp or email us directly. Read More

WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255.

----------------------------888--------------------------------888--------------------------->>>

(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here: Able Toh ✅✅

✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: @ +65 9 8 5 6 9 2 5 5

***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!

*** ✔✔Connect Singapore Line (ABLE TOH): ✔✔(65) 9856*9255

FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

NEW Launches Condominium in SINGAPORE :CALL/ WHATSAPP me FOR BEST CHEAPEST, LOWEST PRICE Straight From Developer Sales Team !!!
---------//-------------//--------------------
✅✅ (CHINESE VERSION : 简体中文版本)
(1) 如需协助任何房产相关事宜：
租房 / 买房 / 卖房 / 投资，我都可以帮忙！

*** WhatsApp：诗强 /ABLE Toh（+65 9856-9255  ）
*** https://wa.me/6598569255
（本平台无法直接联系，请通过 WhatsApp）

(2) ✅✅ 你可以在这里查看我的客户评价：诗强 /ABLE Toh
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(3) ✅✅ 私人住宅买家专享：
提供二手及全新私人住宅资源，买家零佣金
（多数卖方经纪愿意与买方经纪分佣）

*** ✅✅ 联系电话 (诗强 )：+65 9856-9255 

(4) ✅✅✅ 新加坡全新公寓项目-发展商直销团队｜最低价保证｜无中介费：
✅✅ 提供最新资讯 / 电子宣传册 / 户型图 / 价目表

*** ✅✅ 欢迎来电 / WhatsApp 诗强 ：+65 9856-9255 
*** “我能帮助您，只要您愿意私信我” Read More

WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255.

----------------------------888--------------------------------888--------------------------->>>

(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here: Able Toh ✅✅

✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: @ +65 9 8 5 6 9 2 5 5

***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!

*** ✔✔Connect Singapore Line (ABLE TOH): ✔✔(65) 9856*9255

FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

NEW Launches Condominium in SINGAPORE :CALL/ WHATSAPP me FOR BEST CHEAPEST, LOWEST PRICE Straight From Developer Sales Team !!!
---------//-------------//--------------------
✅✅ (CHINESE VERSION : 简体中文版本)
(1) 如需协助任何房产相关事宜：
租房 / 买房 / 卖房 / 投资，我都可以帮忙！

*** WhatsApp：诗强 /ABLE Toh（+65 9856-9255  ）
*** https://wa.me/6598569255
（本平台无法直接联系，请通过 WhatsApp）

(2) ✅✅ 你可以在这里查看我的客户评价：诗强 /ABLE Toh
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(3) ✅✅ 私人住宅买家专享：
提供二手及全新私人住宅资源，买家零佣金
（多数卖方经纪愿意与买方经纪分佣）

*** ✅✅ 联系电话 (诗强 )：+65 9856-9255 

(4) ✅✅✅ 新加坡全新公寓项目-发展商直销团队｜最低价保证｜无中介费：
✅✅ 提供最新资讯 / 电子宣传册 / 户型图 / 价目表

*** ✅✅ 欢迎来电 / WhatsApp 诗强 ：+65 9856-9255 
*** “我能帮助您，只要您愿意私信我” Read More

WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255.

----------------------------888--------------------------------888--------------------------->>>

(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here: Able Toh ✅✅

✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: @ +65 9 8 5 6 9 2 5 5

***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!

*** ✔✔Connect Singapore Line (ABLE TOH): ✔✔(65) 9856*9255

FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

NEW Launches Condominium in SINGAPORE :CALL/ WHATSAPP me FOR BEST CHEAPEST, LOWEST PRICE Straight From Developer Sales Team !!!
---------//-------------//--------------------
✅✅ (CHINESE VERSION : 简体中文版本)
(1) 如需协助任何房产相关事宜：
租房 / 买房 / 卖房 / 投资，我都可以帮忙！

*** WhatsApp：诗强 /ABLE Toh（+65 9856-9255  ）
*** https://wa.me/6598569255
（本平台无法直接联系，请通过 WhatsApp）

(2) ✅✅ 你可以在这里查看我的客户评价：诗强 /ABLE Toh
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(3) ✅✅ 私人住宅买家专享：
提供二手及全新私人住宅资源，买家零佣金
（多数卖方经纪愿意与买方经纪分佣）

*** ✅✅ 联系电话 (诗强 )：+65 9856-9255 

(4) ✅✅✅ 新加坡全新公寓项目-发展商直销团队｜最低价保证｜无中介费：
✅✅ 提供最新资讯 / 电子宣传册 / 户型图 / 价目表

*** ✅✅ 欢迎来电 / WhatsApp 诗强 ：+65 9856-9255 
*** “我能帮助您，只要您愿意私信我” Read More

WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255.

----------------------------888--------------------------------888--------------------------->>>

(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here: Able Toh ✅✅

✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: @ +65 9 8 5 6 9 2 5 5

***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!

*** ✔✔Connect Singapore Line (ABLE TOH): ✔✔(65) 9856*9255

FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

NEW Launches Condominium in SINGAPORE :CALL/ WHATSAPP me FOR BEST CHEAPEST, LOWEST PRICE Straight From Developer Sales Team !!!
---------//-------------//--------------------
✅✅ (CHINESE VERSION : 简体中文版本)
(1) 如需协助任何房产相关事宜：
租房 / 买房 / 卖房 / 投资，我都可以帮忙！

*** WhatsApp：诗强 /ABLE Toh（+65 9856-9255  ）
*** https://wa.me/6598569255
（本平台无法直接联系，请通过 WhatsApp）

(2) ✅✅ 你可以在这里查看我的客户评价：诗强 /ABLE Toh
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(3) ✅✅ 私人住宅买家专享：
提供二手及全新私人住宅资源，买家零佣金
（多数卖方经纪愿意与买方经纪分佣）

*** ✅✅ 联系电话 (诗强 )：+65 9856-9255 

(4) ✅✅✅ 新加坡全新公寓项目-发展商直销团队｜最低价保证｜无中介费：
✅✅ 提供最新资讯 / 电子宣传册 / 户型图 / 价目表

*** ✅✅ 欢迎来电 / WhatsApp 诗强 ：+65 9856-9255 
*** “我能帮助您，只要您愿意私信我” Read More

WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255.

----------------------------888--------------------------------888--------------------------->>>

(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here: Able Toh ✅✅

✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: @ +65 9 8 5 6 9 2 5 5

***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!

*** ✔✔Connect Singapore Line (ABLE TOH): ✔✔(65) 9856*9255

FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

NEW Launches Condominium in SINGAPORE :CALL/ WHATSAPP me FOR BEST CHEAPEST, LOWEST PRICE Straight From Developer Sales Team !!!
---------//-------------//--------------------
✅✅ (CHINESE VERSION : 简体中文版本)
(1) 如需协助任何房产相关事宜：
租房 / 买房 / 卖房 / 投资，我都可以帮忙！

*** WhatsApp：诗强 /ABLE Toh（+65 9856-9255  ）
*** https://wa.me/6598569255
（本平台无法直接联系，请通过 WhatsApp）

(2) ✅✅ 你可以在这里查看我的客户评价：诗强 /ABLE Toh
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(3) ✅✅ 私人住宅买家专享：
提供二手及全新私人住宅资源，买家零佣金
（多数卖方经纪愿意与买方经纪分佣）

*** ✅✅ 联系电话 (诗强 )：+65 9856-9255 

(4) ✅✅✅ 新加坡全新公寓项目-发展商直销团队｜最低价保证｜无中介费：
✅✅ 提供最新资讯 / 电子宣传册 / 户型图 / 价目表

*** ✅✅ 欢迎来电 / WhatsApp 诗强 ：+65 9856-9255 
*** “我能帮助您，只要您愿意私信我” Read More