4 Answers

Ivan Ng

Have you met your MOP of 5 years and is this a SC household? If so, you may purchase a 2nd property and hold both condo And HDB. My suggestion is to pay up the outstanding HDB loan fully so to obtain a 80% loan for your next property (Perhaps a 1/2 bedder for rental income, rent out either HDB or condo).

Thanks and may I understand your housing plans so to further value-add? Hope to have the opportunity to work with you.

Warm regards
Ivan ERA
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D. Kumar

As a result of your outstanding loan, you will be eligible for only 50% loan. You may wish to consider paying off your loan amount so that you could obtain maximum 80% loan.

Have you gotten your loan approval done? If not, I can link you up to my network of bankers and they will assist you with the IPA, furnishing you with the different bank rates for your perusal, at no cost.

With the loan aspect cleared, we could proceed to ascertain your finances well. I'll need to know exact figures to chart your financial cash projection flow and breakdown of progressive payments and it's timeline to assess and suggest options to you which will value add your portfolio + maximize your interest and welfare.

There are many outstanding projects currently undergoing huge discounts and firesales as high as 18-30%! For investment purposes, it's apt you leverage on the weak market to get the right property at the best possible price to maximize rate of returns and rental yield. I have a collated inventory of projects with their rental caveats and capital upswing information ; being mostly active in investment for private properties.

Do note that there is NO agent fees involved and I will walk you through this whole tedious process of : explanation of procedure, shortlisting, negotiation, paperwork, establishing financial projections / application of loan, sharing of market insights, providing up to date transaction caveats & price analysis of properties as well as and handling all technical and legal matters at NO cost!

D Kumar
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ERA Associate Division Director

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YT Tan (陈永达)
Good evening investor,

Do take note that you have to first fulfill the applicable minimum occupation period before you are eligible to purchase a private property and your household must have a Singapore citizen in order to hold on to current HDB and private property.

And since you still have an outstanding loan, you only can obtain up to 50% loan. Probably you can share more with me on your purchase so I will be in a better position to advise whether should you pay off your outstanding loan to obtain 80% loan for your purchase.

Hope my explanation helps!

Hear from you soon!

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
Vice President (Agency)
Property Avenue Pte Ltd
Estate Agent no. L3010650D
Blk 420 North Bridge Road #03-30 North Bridge Centre S188727

(M): +65 9111 5171
(E): yt.lovelyhomes@gmail.com
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Geryl Lim
Dear sir/madam,

When you mentioned unstable income, the volatility of this is questionable. If it is highly volatile, I would discourage the real estate investment as such to lock you in with high capital upfront on top of monthly financial commitments as current real estate market is unlikely able to allow liquidation in short span of time, therefore having more cash and liquidity should benefit you more. You may wish to look at other forms of investments which may not require such long term commitments but give you attractive yield?

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Geryl LIM
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