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Hi, appreciate your sharing.
1 - Able to call into Hotline to check, chance slim if no reply for awhile.
2. Do check when intent to buy expire, able to call HDB to check
3. No issue as you have not issue any Option to purchase yet, you are able to consider your choice of loan
4. You require the Option to purchase and valuation report then able to attain the Letter of offer or confirmed loan, currently only by verbal as without any OTP Banker can't do anything.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

You need not be using HDB loan even if you have submitted for HLE. You are still allowed to use bank loan. Of course, interest rates for HDB loan is lower. You can check with the bank for IPA first. You will only be getting the IPA after submitting your documents.

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
Associate 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
 +65 92787772 
www.geryllim.com

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

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Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

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Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore

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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 I noticed HDB is quite slow in responding nowadays maybe due to the high amount of resale transactions. To answer your question:

1) From my experience, the response times vary but typically HDB will respond within 3 weeks from date of appeal. If you submitted your appeal on 23rd May, you may expect a respond soon.
2) Yes you do need to a fresh HFE. However from my experience, the process of approval for HFE using bank loan is not as long as the process for using HDB loan. My personal advise is to make a decision on the types of loan you would wish to use (HDB or bank) before reapplying for HFE.
3) Yes. Bank IPA is non obligatory as long as you have not signed bank letter of offer. Bank letter of offer can only be signed once you obtain OTP to purchase a particular house.
4) I am scared to inform you that I have encountered some rare cases whereby the final approved loan amount by banks is lower than the IPA amount. As for myself, I will always practice due diligence by checking on all my client's documentation, tally with the calculation (eg MSR,TDSR) and even checking on my client CBS record before proceeding with the purchase. If need be, I will also communicate with the banker involved personally to confirm on the maximum loan amount or highlighting any abnormality that might arise from my own document verification.

I am specialised in HDB transactions and have represented various buyers in purchasing a HDB. A vast majority of my buyers managed to purchase a HDB resale without any COV despite the difficult market situation nowadays. Do contact me at 93375051  for a free and non obligation discussion on this.

Hi
I have handled few divorce cases and specialised in HDB transactions. For divorce cases, HDB or private lawyer (if using private lawyer) will apportion the proceeds be it CPF or cash exactly as per stated in the court order. For cash proceeds, a separate cheque will be issued at date of selling completion while CPF refunds to the respective party will take around 2 weeks from completion date. Do note that you need to calculate carefully your portion of proceeds in cash or CPF as the 55% - 45% division might not reflect the amount of CPF usage each party has utilised towards financing the house. I have encountered cases whereby there is a dispute when one party obtain lesser cash proceeds than expected due to variation in CPF utilised towards the house earlier. Do contact me at 93375051  for a free and non obligatory discussion on this.

Regards
Taufik Hussein
Marketing Director
ERA Realty Network Pte Ltd
CEA Reg No: R061607B
Contact No: 93375051  Read More

Hi

Yes I noticed HDB is quite slow in responding nowadays maybe due to the high amount of resale transactions. To answer your question:

1) From my experience, the response times vary but typically HDB will respond within 3 weeks from date of appeal. If you submitted your appeal on 23rd May, you may expect a respond soon.
2) Yes you do need to a fresh HFE. However from my experience, the process of approval for HFE using bank loan is not as long as the process for using HDB loan. My personal advise is to make a decision on the types of loan you would wish to use (HDB or bank) before reapplying for HFE.
3) Yes. Bank IPA is non obligatory as long as you have not signed bank letter of offer. Bank letter of offer can only be signed once you obtain OTP to purchase a particular house.
4) I am scared to inform you that I have encountered some rare cases whereby the final approved loan amount by banks is lower than the IPA amount. As for myself, I will always practice due diligence by checking on all my client's documentation, tally with the calculation (eg MSR,TDSR) and even checking on my client CBS record before proceeding with the purchase. If need be, I will also communicate with the banker involved personally to confirm on the maximum loan amount or highlighting any abnormality that might arise from my own document verification.

I am specialised in HDB transactions and have represented various buyers in purchasing a HDB. A vast majority of my buyers managed to purchase a HDB resale without any COV despite the difficult market situation nowadays. Do contact me at 93375051  for a free and non obligation discussion on this.

Regards
Taufik Hussein
Marketing Director
ERA Realty Network Pte Ltd
CEA Reg No: R061607B
Contact No: 93375051  Read More

------------------

"If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255.

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

You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

For buyers, I offer solutions for sourcing resale and new private homes at no charge.

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

I also have partners to assist with mortgage home insurance matters.

Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

*** You can reach me at my Singapore mobile: (+65)>>9856 9255>> or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT ：）

“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

XXXXX The End XXXXXXX Read More

------------------

"If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255.

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

You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

For buyers, I offer solutions for sourcing resale and new private homes at no charge.

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

I also have partners to assist with mortgage home insurance matters.

Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

*** You can reach me at my Singapore mobile: (+65)>>9856 9255>> or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT ：）

“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

XXXXX The End XXXXXXX Read More

------------------

"If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255.

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

You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

For buyers, I offer solutions for sourcing resale and new private homes at no charge.

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

I also have partners to assist with mortgage home insurance matters.

Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

*** You can reach me at my Singapore mobile: (+65)>>9856 9255>> or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT ：）

“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

XXXXX The End XXXXXXX Read More

------------------

"If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255.

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

You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

For buyers, I offer solutions for sourcing resale and new private homes at no charge.

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

I also have partners to assist with mortgage home insurance matters.

Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

*** You can reach me at my Singapore mobile: (+65)>>9856 9255>> or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT ：）

“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

XXXXX The End XXXXXXX Read More