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I downgraded from a 5rm(HDB Loan) to a 3rm(HDB Loan) due to a no choice and quick pick from resale market. Right now, I want to move into another 3 rm flat, does that consider downgrading? I have already taken 2 HDB loans, can I get a third? Now if moving into another 3 rm flat means downgrading, what about moving into a 4rm flat? My current 3rm flat, taken 2nd HDB loan, was $166k back then. Used about $70k to downpay the flat. My balance now is $101k with interest. I have checked my accrued interest to CPF, combined with my wife's is no more than $10k. So this means, presuming I sell current flat for $330k with $30k being COV. I have to return HDB $101k, return CPF $80k, right? So $330k less off a total of $181k, I get to keep the $149k in cash, am I right? So do I have to dump in all my cash or just everything in my CPF only? I need to know because alot of hearsay which would be difficult for me to do my planning.
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6 Answers

Ken Tan
Replied
Hi Danny,

To make things simple, you can just drop down to HDB hub to check with the officers. They can clear all your doubts. You can get you agent to go with you as well. Feel free to contact me if you need further clarification.

Ken Tan
 96461490 
ken_tankw@yahoo.com.sg Read More
0
Upvote Upvoted
Able S.K Toh
Replied
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!

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

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(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

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---------//-------------//--------------------
✅✅ (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
0
Upvote Upvoted
Able S.K Toh
Replied
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
0
Upvote Upvoted
Able S.K Toh
Replied
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
0
Upvote Upvoted
Able S.K Toh
Replied
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
0
Upvote Upvoted
Able S.K Toh
Replied
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
0
Upvote Upvoted

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