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Hi

You may text 9620 0827  for a casual chat.

Warmest regards

Gavin Read More

Dear sir,

I would think that it will be important to take that first step out to put up for in principle approval from the bank to see how it comes back. Have both of you already been SPR for 3 years at least? Also do you have any cash funds on hand?

Assuming that your wife is eligible for home loan of 30 years, she can borrow up to around $502k just based on her income alone, and you can be listed as an essential occupier or co-owner without you becoming a borrower, but you can contribute the home instalment via cash payment on a monthly basis.

With existing CPF on hand on top of the loan that your wife is eligible for, you are probably just around $100k under your $850k price range that you are looking at.

Perhaps it could be easier if you can furnish more details about your situation to see if any of my mortgage partners can assist in.

I have been in the real estate business since 2009, with more than 13 years of experience serving the Singapore real estate market.

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 9,400 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.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
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Email: geryl.lim@orangetee.com / geryl7772@gmail.com
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Good morning,

May I know if both of you have attained SPR status each for 3 years? If so, yes you are eligible to purchase resale HDB. Do you mean the latest 12 month credit score for you has been poor as you forgot about this late payment for the past 3.5 years? The natural thing to do will be to settle and close all outstanding payments on this credit line first. There could also be alternate lenders such as hong leong finance that may take in the application but I will need more info.

May I have more info and requirements about your plans so as to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Diamond Achiever

SEAA Salesperson Achievement Award 2021 (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
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SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

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Hi,

1) It is not difficult to get a banker to assess your current loan amount. They shall be able to advise on your loan options.
2) My suggestion would be to get in contact with multiple bankers for a free assessment before dashing out for your home search.
3) Based on the income amount you should be able to get a loan of more than $800k easily.
4) Your budget estimation is quite right on the spot. My estimation is at $800k without considering the buyer stamp duty (BSD) and ABSD that shall be incurred with this purchase amount.

5) Do note that the BSD and ABSD for these budget purchases will be as follow:
(a) $800k: BSD = $18,600, ABSD = $40,000
(b) $850k: BSD = $20,100, ABSD = $42,500

6) Since the tax alone is already around %50k, I would suggest you downplay your budget to $750k~$800k so that you won't be stretching your limit.

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

Hope the above answer 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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