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I am looking to buy a HDB in pasir-ris for staying with my family...I am from India & holding singapore PR..the question I hv is that after some initial research I have done...I understand that as per today's market...I need atleast SGD 1500000 as a downpayment for a 3 bedroom hdb this includes 20% of valuation & COV..now I have around 50000 with me & for rest of the amount I am planning to take personal loan...my income is that much that I wil be able to pay EMI's for personal & home loans...let me know if this is approach is ok...is it legal as per singapore property law...
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7 Answers

Hi Daman,

For financial planning aspect, it'll be the best if you can talk directly to a professional banker. If you need contacts of reliable bankers, feel free to approach me as I do have a network with bankers from the various banks in Singapore who will be more than willing to assist you if there is a need.

Regards,
Geryl LIM
CEA R014783H
Mobile: +65-81577565 
Email: lim.geryl@yahoo.com.sg Read More
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Hello Daman,

The average valuation for 4 room flat, in Pasir Ris, range from $350k to $420k. 20% of this is about $84k. Average COV is around $50k. So for 4 room flat, the cash component would be around $150k. This figure would have covered your legal fee, stamp fee and agent fee.
This figure would change if you were to look for a 5 room flat.
Do feel free to contact me for further assistance.

Thanks
Mike Lim
 96929209 
ERA Read More
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(1) Reviews and credibility
Read client reviews for Able S K Toh, Property Agent (Director level), on PropertyGuru:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(2) Direct contact
WhatsApp Able Toh, Property Agent (Director level), at +65 9856 - 9255 or via:
https://wa.me/6598569255

This platform does not support direct messaging.

(3) Property services
Professional support for renting, selling, buying, and property investment in Singapore.

(4) Private home buyers
Assistance in sourcing resale and new private homes at zero charge, as seller agents commonly share commissions.

(5) New launches and developer sales
Access to competitive pricing, no agent fees, and updated brochures, floor plans, and price lists.

ABLE Toh ( Your TRUSTED Singapore Property Agent/ Consultant)
Mobiile : 98 56 92 55
Email: Able.selling@gmail.com Read More
0
(1) Reviews and credibility
Read client reviews for Able S K Toh, Property Agent (Director level), on PropertyGuru:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(2) Direct contact
WhatsApp Able Toh, Property Agent (Director level), at +65 9856 - 9255 or via:
https://wa.me/6598569255

This platform does not support direct messaging.

(3) Property services
Professional support for renting, selling, buying, and property investment in Singapore.

(4) Private home buyers
Assistance in sourcing resale and new private homes at zero charge, as seller agents commonly share commissions.

(5) New launches and developer sales
Access to competitive pricing, no agent fees, and updated brochures, floor plans, and price lists.

ABLE Toh ( Your TRUSTED Singapore Property Agent/ Consultant)
Mobiile : 98 56 92 55
Email: Able.selling@gmail.com Read More
0
(1) Reviews and credibility
Read client reviews for Able S K Toh, Property Agent (Director level), on PropertyGuru:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(2) Direct contact
WhatsApp Able Toh, Property Agent (Director level), at +65 9856 - 9255 or via:
https://wa.me/6598569255

This platform does not support direct messaging.

(3) Property services
Professional support for renting, selling, buying, and property investment in Singapore.

(4) Private home buyers
Assistance in sourcing resale and new private homes at zero charge, as seller agents commonly share commissions.

(5) New launches and developer sales
Access to competitive pricing, no agent fees, and updated brochures, floor plans, and price lists.

ABLE Toh ( Your TRUSTED Singapore Property Agent/ Consultant)
Mobiile : 98 56 92 55
Email: Able.selling@gmail.com Read More
0
(1) Reviews and credibility
Read client reviews for Able S K Toh, Property Agent (Director level), on PropertyGuru:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(2) Direct contact
WhatsApp Able Toh, Property Agent (Director level), at +65 9856 - 9255 or via:
https://wa.me/6598569255

This platform does not support direct messaging.

(3) Property services
Professional support for renting, selling, buying, and property investment in Singapore.

(4) Private home buyers
Assistance in sourcing resale and new private homes at zero charge, as seller agents commonly share commissions.

(5) New launches and developer sales
Access to competitive pricing, no agent fees, and updated brochures, floor plans, and price lists.

ABLE Toh ( Your TRUSTED Singapore Property Agent/ Consultant)
Mobiile : 98 56 92 55
Email: Able.selling@gmail.com Read More
0

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