AskGuru Q&A Community

Do you plan to sell existing property? If you do not, then you will be subjected to Additional Buyer's Stamp Duty of 20% on top of normal buyer stamp duty.

Assuming you do not have any existing properties, your loan tenure is up to 18 years. You are likely able to afford close to $1.6m property, with 5% of this amount as cash working out to be $80,000, and balance 20% of the downpayment to be paid by CPF at $320,000.

I have been in the real estate business since 2009, with more than 14 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
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

-----

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!

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

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

Pick up knowledge, skills and Real Estate concepts at https://www.facebook.com/RealEstateXcellence/

New Singapore Expatriates on facebook is up and running. Come join us at https://www.facebook.com/groups/newsgexpats/

-----
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 there, the payment for a private property consist of min 5% cash with the rest a mixture of CPF and mortgage. However there are some restriction on the Loan should you be considering a second property as well as additional stamping you may need to pay.
Do drop me a call or a whatsapp for a more detailed discussion on how you can best transit from your current property or get your second property.
Looking forward to hearing from you
Rix
 96871379 
PN Read More

Hi,
I suggest you talk to your bankers. This is best handled by them. If you need any bankers do contact me.
Please contact me so that I can be of further assistance.
Cheers!

Elan Govan
MABA (Lancaster)
 90170747 
jayelan@gmail.com
www.goodpropertiesguide.com Read More

Hi Sir,

I noted that your wife currently owns a HDB flat. Do you have the intention to sell off the flat? Or are you looking to purchase a private property under your sole name?

This is because, if the property is purchased jointly, there will be ABSD of 20%.

Also, do take note that the minimum cash downpayment is 5%. Not sure if you can utilise your Wife's Cash of $230k, because your cash of $20k is insufficient for you to buy any property.

Perhaps you can drop me a WhatsApp message for further discussion and planning?

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 +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More

Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, may I refer a banker to you with regards of the loan eligibility too?

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Hi, appreciate your sharing. Appreciate your sharing, best to meet up and share the plan via zoom or over coffee.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

Hi Sir,

Based on the figures that you have shared, both of you will be able to afford a 1.66 mil property comfortably. Please feel free to contact me so that I can send you a spreadsheet with the breakdown in the figures.

Regards,
Nick Tan
(M) +65 96 44 48 54
B.Eng(Chemical)(Hons)(NUS)
Cert-in-REA
(E) nick96444854@gmail.com
SEAA Salespersons Achievement Platinum Award 2020/2022/2023
Visit my website to know me better: www.nicktan.com.sg
WhatsApp: https://wa.me/qr/X6VRPGSSIHN5D1
I was featured recently on Council for Estate Agencies (CEA) Newsletter:
http://bit.ly/CEAnews

I have written a guide on buying Residential Property:
http://bit.ly/buypropertyguide

Testimonial from Satisfied Clients
“We have the privilege to work with Nick on our recent house purchase and we are extremely grateful for all the help he rendered to make the purchase a seamless experience!

Nick is attentive to all the requirements we have for our purchase and in the short span of time, he was able to provide us with potential shortlisted units that meet our criteria. (A big lifesaver for family with young kids and limited availability!) When conducting a viewing, Nick is highly proactive as he can be seen taking notes, asking questions, checking the conditions (that we missed or never thought of) and etc.

Overall, Nick remains reactive and portrays professionalism in this entire process. We would definitely recommend him to our friends and family who are looking for their next home/move opportunity.”

Jeannie & Victor (Buyer)

“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.”
Susana (Buyer)

“Nick is very pro-active in helping us to resolve whatever questions and problems that we encountered. All the issues are settled even before us having to request or ask for a second time. He was very frank and transparent with all the details, limitations and advantages that we wouldn’t have known. I think this is the most important virtue to be successful in this line. I will surely recommend him to anyone who needs his service because I trust that they will be equally satisfied!!”
Mr and Mrs Chan (Sold and Bought a property through Nick)

“We are very grateful to Nick for his extensive marketing efforts. With his comprehensive marketing plan, he helped us to achieve a record selling price within 2 weeks of listing our property for sale! We highly recommend his service to anyone who is keen to sell their properties.”
Mr & Mrs Wong (Property Seller)

“Nick has conducted himself ethically and professionally when handling the sales of our property. Thanks to his patience and perseverance, we managed to secure a sales price beyond our expectations.
We are very happy and satisfied with his services and will definitely recommend him to our friends and family in the future.”
Mr & Mrs Tan (Seller of Inter-Terrace House) Read More

Recommendations:

Consult a qualified mortgage broker or bank for a personalized assessment considering your specific financial situation and loan eligibility.
Factor in Total Debt Servicing Ratio (TDSR) to understand how much loan you can realistically afford based on your existing debt obligations.
Research condo prices in your desired location to get a sense of realistic options.
By following these steps, you'll gain a clearer picture of your condo purchase affordability and can make informed decisions.

· I am Sorry that This platform does not allow me to direct contact you.

· To further assist you, please feel free to contact me via WhatsApp at 9856 9255  or through this link: https://wa.me/6598569255.

· My services come with no obligations, and I'm here to help with any questions or assistance you need. · 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 XXXXXX Read More

The property market has been buzzing with strong new-launch take-up this quarter — signaling renewed confidence and appetite for growth-oriented investments.

If you’ve been exploring what’s next beyond traditional residential plays, don’t miss this special Consumer Seminar: “The Co-Living Investment Story” — where Eugene Lim, CEO & Founder of The Assembly Place, shares how this asset class has evolved, what drives its returns, and why savvy investors are adding co-living projects into their portfolios.

???? 13 Nov 2025 (Thu)
???? 7 pm
???? ELTA Sales Gallery (Along Prince Charles Crescent)

Seats are limited — RSVP early to secure your spot and gain exclusive insights straight from an industry leader!

???? To reserve your seat, contact Geryl Lim @ 9278 7772  .

OrangeTee | Landed7772 – Sure Sell! Read More