2 Answers

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
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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
Instagram: https://instagram.com/SGHomeCompass Read More
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