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Financing needs to be sorted out before you are able to purchase the property, and the property agent on your case will typically advise before you proceed with the purchase.

Feel free to message me below, and I can help you check if a different bank may treat your credit score differently and offer you loan.

If you are unable to complete the purchase, you may need to call up HDB to seek advice on potentially calling off the property purchase, as well as any penalties involved.

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Good day to you.

Depending on your needs and your participation in the Debt Repayment Scheme, your servicing agent can help you apply for a market-rate loan from HDB, particularly if you have faced rejection from a bank loan application.

Navigating a property transaction can feel overwhelming, especially when it intersects with major life events.
With over 15 years of experience as a property consultant, my role goes beyond market knowledge — it is to provide clarity, structure, and peace of mind through complex decisions.

I regularly assist clients with sensitive and non-standard situations, including:
• Divorce & Asset Settlement — guiding parties toward fair, practical outcomes for shared properties
• Intestate & Estate Planning — helping families navigate inherited property and future planning with confidence
• Complex Property Matters — including cases involving Lasting Power of Attorney, bankruptcy, or special circumstances

If you’re seeking clarity rather than pressure, I’m happy to have a conversation to understand your situation and outline possible next steps.

Mike Lim
CEA Reg No: R026708F | ERA
WhatsApp: https://wa.me/message/VCDD3MUYRD3JP1
Email: m52i@yahoo.com

If you’d like short, educational breakdowns on common property questions, you may also find these helpful:
YouTube: https://www.youtube.com/@SGHomeCompass
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Important things you should prepare

To improve chances with a bank via broker:
• A clean pay history for the last 6–12 months
• Proof of consistent income
• Explanation letter if credit issues were due to one-off events
• Bigger cash down payment (reduces risk for the lender)

What won’t work
• You won’t be eligible for another HDB loan because of the 2-times rule.
• You can’t bypass bank credit checks — all institutional lenders do them.

Next practical steps
1. Contact a reputable mortgage broker ASAP
You need a pre-approval/indicative answer before you submit your LO to HDB in March.
2. Provide full documents
Payslips, CPF statements, credit report, explanation of credit issues.

Ask about alternative lenders
Some smaller banks or finance companies might consider your case with a strong profile otherwise. Read More

This is something outside what a RES can do. Bank loan matters are subject to MAS approval.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market. Check out the EdgeProp featured article on myself recently at https://www.edgeprop.sg/property-news/geryl-lim-leading-landed-real-estate-heart-hustle-and-harmony

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.

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Warmest regards,
Geryl Lim
Deputy Branch 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

✔1 Financing should be confirmed upfront before moving ahead with any property purchase.

✔2 Your appointed property agent will usually guide you on loan readiness before you commit.

✔3 Loan options depend on your financial profile and whether you are under the Debt Repayment Scheme.

✔4 If a bank loan is not approved, your servicing agent can assist with applying for an HDB market rate loan as an alternative.

“Before you build a house, build the foundation.”
Confucius
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

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