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Hi, appreciate your sharing. Able to meet up and discuss base on your current situation, loan and CPF OA. Whether your current CPF has enough for retirement amount before proceeding.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Hi there,

It will depends on your selling price for your current unit and also your current CPF OA amount.

You may reach me at 94507283  for further discussion.

Thank you

Gary Shien
 94507283 
Associate Group Director
PropNex Read More

Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Good day to you,

Here are some factors to consider:

1. What is the current transaction price for a similar unit in your neighborhood?
2. What is your current CPF Ordinary Account (OA) balance?
3. What is your current age? If you are above 55, have you fulfilled the minimum retirement sum?
4. Which estate are you interested in? Are you looking for older HDB units or those that have just completed the Minimum Occupancy Period (MOP)?

Let's get in touch and work on the plan to fulfill your intention.

Navigate Property Decisions with Confidence

With over 15 years of experience in Singapore's residential property sales and purchase (S&P) cases, I understand the complexities involved in the process. I aim to guide you every step of the way with clear communication, ensuring that all parties are legally represented and protected.

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Regards
Mike Lim
 96929209 
R026708F
m52i@yahoo.com
ERA Read More

Good evening!

I love to share with you on my HDB expertise on how you can safely move from a 5 room to a 3 or 4 room. I be happy to answer any questions you have and we can work through the financials together.

Looking forward for your call !
I can be reached at 81027317 .
Anthea Propnex 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

Dear sir/mdm,

Based on the information provided, we are unable to provide any opinion given that we are unsure of the details of the flat that you are currently owning to determine the potential selling price you can get, as well as the profile of 3 or 4 room flat that you are looking to get.

We can run through the numbers together so you can get a better idea on the finances as well as the flow of finance for the sale and purchase to happen. Feel free to get in touch with us for the consultation.

——

I have been in the real estate business since 2009, with more than 15 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 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.

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
Senior Division Associate Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

-----

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Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Hi,

Yes, this is possible. To determine this, we will need the sale price of your flat as well as the purchase price of the flat you're intending to buy.

For example, a 5RM flat in Sembawang estate may have a lower price than a 3RM flat in Queenstown estate.

May I have more information on your plans, so that I can provide further assessment and advice?

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More

Hi there, good evening, base on the info that you have provided, it is possible if only we know the selling price and purchase price of the next property.

Please feeel free to get in touch with me at 9821 6829  to go through a detailed finances and i will be happy to work out on the options for you immediately.

Thank u,
Shoan
PropNex
www.shoanproperty.com Read More

1. The feasibility depends on your current flat's selling price and your CPF OA balance.
2. Key factors to review: recent sale prices in your area, your CPF funds, age-related CPF requirements, and the type of HDB flat you're aiming for.
3. The location and flat size you're targeting—be it newer MOP units or older ones—will greatly influence affordability and planning.

Let’s connect to go through the numbers and map out a safe move from a 5-room to a 3- or 4-room flat.

“Plans are nothing; planning is everything.” – Dwight D. Eisenhower

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255
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like renting / selling, buying / or investing, I'm here to help!
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QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More

Hi, this depends on many factors such as the selling price of your flat and the purchasing price of the flat you plan to buy. All of these will be much clearer after having the needed information.

Hi, hopefully you managed to get your doubt or query answered. If so, then congrats! Hopefully you are doing well now.

If you are currently or planning to find a property agent, I can assist.

If you are interested in prices of houses in your neighbourhood, you may visit this website to find out more or contact me.

https://www.era.com.sg/R064892F

If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.

Landon Chew
97 39 60 40
landonchew@email.com Read More

Hi,

1) Theoritically speaking, downgrading from a bigger flat to a smaller usually do not require a loan.
2) However, the above theory can only be true when it meets the following conditions:
(a) Same location/estate.
(b) Similar or same floor level.
(c) Similar or same remaing lease years.
(d) Interior conditions are about the same.
(e) The amenities, schools, & transportation conditions are about the same.

3) The above factors will determine how much your 3/4-room prices as well as your 5-room flat.
4) In general, a 5-room flat can fetch around $600k to above a million, depending on the above factors.
5) A 3-room flat can be asking for $380k to above $800k.
6) A 4-room flat can be asking for $500k to above a million.
7) The range for the flat types has become very wide due to the remaining lease of the flat in the market range from remaining lease of 94 years to 40 years.
8) No matter what you intend to do, the first thing you must do is to apply for an HFE even you don't need a loan eventually.
9) This is a mandatory for anyone who intend to buy an HDB flat.
10) Once you have got an approved HFE, I would advise to engage a real estate agent to assist in your deicision making.

All the best!

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

Hope the above answers your main concerns, but if there are more queries, 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
https://www.linkedin.com/in/ckling/ Read More

Hi

A few factors before we can conclude. The potential sale price in your block, and the buying price for the next flat. If you are referring to same hdb town with similar age and location, most likely its possible if for example the 5-room sells for 700k and the 3-room goes for 400k.

700k less the 51k loan, cpf refund of 425k, you take back about 200k-210k cash proceeds. This 200k cash + 250k CPF refund will be able to cover the purchase price of next flat including the professional fees and stamp duty.

We also need to know if you have already reach retirement age of 55. If so, there is a need to set aside full retirement sum first before you can use excess CPF OA for the next property purchase.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with 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
ERA Multiple Diamond Award Achiever

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

ERA Top 11th Achiever in Feb 2024 (Top 1% Company Level)
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ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
ERA Top 11th Achiever in June 2020 (Top 1% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
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**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! **

-- HDB Executive Maisonette Sellers, Mr & Mrs Yeo --

Before contacting Ivan Ng, our Property Realtor, we were quite apprehensive about our Contra-deal ( concurrent resale & purchase of HDB flats) as at that time the outlook of the resale property market was quite sluggish & pessimistic. But surprisingly our property realtor, Ivan , was able to put us at ease with his professional competence, astute work experience & friendly nature . He was able to consummate our contra-deal within one month of our HDB application. Now we are convinced by his promise that (in Ivan's own words) ... "A contra-deal is where the sale & purchase transactions are done concurrently and completed on the same day. This results in a seamless transition of the funds from your sale proceeds and CPF proceeds towards your purchase price." More importantly Ivan has also managed to clinch a good deal for our contra-deal. We'll certainly recommend him to our kins & friends. Thank you very much, Ivan. We are definitely your satisfied customers!

-- HDB Jurong West 5-RM Sellers, Exec Apartment Purchasers, Lenz & Michelle --

We would like to thank you for ensuring a smooth and well-explained process throughout the whole selling and buying of our property. We got to know you thru Property Guru, where we are scouting for condo around West area. We remember that we are quite tight in our budget in purchasing the condo unit,but you are still very willingly explaining and calculating our financial liabilities. You are always having your smiles whenever we met for discussion.

We appreciated your process of selling and buying of our property are very systematically and well executed, from financial calculation to the purchase procedure of our new house. We are always being updated thru our group chat during the engagement of your service.

We would never expect such a smooth sailing experience of selling and buying of property. Your professionalism in work will definitely be remembered and rewarded. All the best in Read More

Hi, I'd be happy to provide advice, but I'll need some additional details to assist you better. Could you please share your property address (so I can estimate the selling price), your age, and the current balance in your OA?
This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

Testimonial from Satisfied Clients
-- My husband and I wish to commend the sincere attitude and good customer service rendered by your staff Jenny, who handled the sale of our 5R HDB flat early this year. We have met several agents but none as genuine as Jenny. Being a seller agent, she took our interest at heart in handling the sale, unlike other agents who are self-interest. Jenny is punctual and prompt in the whole dealings and we were convinced that such an agent is hard for find nowadays. Jenny is a trustworthy, honest, sincere and hardworking agent. We are happy with her service and would gladly recommend her to our friends in future. Jenny is an asset to Propnex and the organisation should value her. Thank you Jenny for her efforts--
Mr and Mrs Soo (HDB seller)

--Jenny is very committed and responsive to her clients and she has spent hours updating them and looking out for great deals and even tailor-made property proposal geared towards their needs. Will certainly refer her to others and will definitely approach her again in her future--
Nick and Kim (New launch buyer)

--Jenny did a great job helping my wife and I sell our unit. She took active steps to walk our neighbourhood to understand what she was marketing. During the marketing period, she managed potential buyers and provided timely updates and recommendations so we could stay on top of the process. Overall, Jenny was professional and helped us to achieve a positive result which we are very thankful for--
Aaron ( HDB seller)

--Jenny was very passionate and went the extra miles to help. Thanks to her professional advice and recommendations, I had finally found my dream home--
Yvonne (New launch buyer)

--Appreciate Jenny's clear and prompt communication style with us and other stakeholders. She was also patient and client-centered throughout the process of finding a home that met our criteria. As a first-time home buyer, we appreciate how she went out of her way to explain the process and answer questions we had--
Samantha (Resale condo buyer) Read More