Hi Alif, If you don't have any outstanding housing loan, you can take up to 80% loan from bank based on 60% total debt servicing ratio. 20% downpayment will be 5% cash and 15% CPF/ cash. Other costs will be legal fees, valuation fees, stamp duty for mortgage and buyer's stamp duty if you are a Singapore citizen. Additional buyer's stamp duty will be applicable if you are a SPR or foreigner. Why not let my panel of bankers to liaise with you via email so you can know what's your in principle approval (loan amount that you can obtain) then we can work things out from there? Hope to hear from you soon! Cheers! Warmest Regards, YT TAN 陈永达 | ACCA Graduate, RES Senior District Manager R043025D ECG Property Pte Ltd (A Wholly Owned Subsidiary of ECG Group of Companies) Estate Agent no. L3009759F Blk 190 Lorong 6 Toa Payoh #05-508 S (310190) (M):
+65 9111 5171
(E): yt.lovelyhomes@gmail.com (W): www.yttan.com (W): yttan.stproperty.com.sg/ (W) www.lovelyhomes.com.sg (W) www.ecgproperty.com
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