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Hello K
Write to me directly so that i can walk you through the buying process. it all depend on your current salary level if you are eligible for HDB loan.

Silvia Chua
ERA Realty Network Pte Ltd
Mobile 97508318 
Email silviac@singnet.com.sg Read More

Dear sir,

You may apply for HLE to find out your loan eligibility and coupled with your existing CPF and cash, then we will be able to work out what are your available options before deciding if these are options within your considerations.

Warmest regards,
Geryl Lim
Associate Deputy Group Director
Salesperson Registration No. R014783H
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
[main] +65 6471 8888  [mob] +65 81577565  [LDA] +65 92787772 
www.geryllim.com
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Good morning,

you can purchase a resale HDB under single singapore citizen scheme if you are SC.

A 35YO single singaporean is able to apply for 2rm flexi BTO in non mature estate tho.

If you dont wish to use much cash, try to apply for HDB loan (HLE) first then we assess from there onwards.

Hope my sharing helps in aiding in your enquiry. May I know how can I value add further in your property needs?

Best regards,

YT Tan
Property Kaki
You dream. I create. We make it happen!
Association of Chartered Certified Accountants Graduate
Singapore Accredited Mortgage Planner

Contact:
Mobile: 91115171 
Email: yt.tan91115171@gmail.com

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Hi,

You might wish to do up a HLE, to ascertain the amount you can loan for. From there, with your current OA and any Grant eligibility, we will be able to work out an estimate of the type of flats you can purchase.

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 9748 6305  . I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More

Hi
For singles above 35, you are eligible to purchase a 2 room BTO in non mature estate area. If you choose to purchase a resale, no such restrictions apply. As a first timer, you are also eligible for first timer grant the amount depending on your pay. I have assisted various singles with limited cash budget like yourself in securing a resale. As to how much cash you need in order to purchase a resale, there is no certainty on it as it depends on whether the seller can accept a lower cash deposit or the house have any COV. Including agent fees, the lowest cash outlay I ever experienced when serving buyers is around $4,000. The vast majority of my buyers managed to secure a resale without any COV despite today's sellers market situation. This is made possible by adopting the right strategy when viewing houses and during the negotiation stage. I will be glad to assist you further on this. Do contact me at 93375051  for a free and non obligatory discussion on this.
Regards
Taufik Hussein
CEA Reg No: R061607B
Contact No: 93375051 
ERA Realty Network Pte Ltd Read More

Hi,

1) As a single SC at 35yrs old and older. You are still eligible to apply for 2-rm (99 yrs leasehold) flats in a non-mature estate.
2) Alternative you can buy resale flats of any type anywhere on the island. Because you are able to buy under Single Citizen Scheme.
3) Once you got married the situation will be slightly different. You can only buy under the Non-Citizen Spouse Scheme.
4) Your spouse will need a "Long Term Visit Pass" instead of just a "Visit Pass" in order to qualify for the BTO. However, you are still eligible to buy resale because you are over 35 yrs old, your spouse will only need a "Visit Pass".
5) Since your cash saving is not rich, you are advised to select the HDB loan although the interest rate is higher than the bank.
6) The reason is that you could get up to a max of 90% LTV and only a 10% down payment. Meaning a $400k flat, you only need $40k in CPF for the down payment.
7) If the CPF is not sufficient, you could still apply for a Single Citizen grant of $25K.
8) You should submit your HLE (HDB Loan Eligibility) to find out how much loan you could get:
Instructions on application: https://www.hdb.gov.sg/cs/infoweb/-/media/doc/EAPG-COS/retrieve-draft-hle-application.pdf
HLE application link: https://services2.hdb.gov.sg/webapp/BP27AWHLEApplication/BP27SHome

9) Next you should also register your intent to buy:
https://services2.hdb.gov.sg/webapp/BB31AWDashboardWeb/BB31PLogin.jsp

10) Now you are ready to search for your dream home!

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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