AskGuru Q&A Community

Hi,

Sure if you are a citizen, you can qualify under Single Singapore Citizen Scheme, and your income shouldn't exceed 5k if you are taking hdb loan. Thanks and hope it clarifies.

Warm regards,
Ivan ERA
 97432395 
Ivanng10@gmail.com Read More

Hi Haryanti, if you are a citizen then you will be eligible to purchase a 2 bedroom when you reach 35 years of age.

Regards
Aaron
 97308455 
aaronchong2774@yahoo.com.sg Read More

Good evening Haryanti,

In order to purchase a resale HDB as a single, you must be eligible under the Single Singaporean Citizen scheme and you have to be at least 35 years old and a Singapore citizen.

If you fulfill both, you are well qualified to purchase a resale HDB.

If you need any assistance in your property purchase, feel free to contact me.

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
ECG Property Pte Ltd
(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com Read More

Morning Haryanti,

If you are SC, currently aged 35 and above, you are eligible to purchase up to 5 room flat with HDB loan and even purchase EA / EM if you are taking bank loan. Ceiling income cap does apply for HDB loan.

Do feel free to contact me for further discussion.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More

Good evening Haryanti,

It depends on what kind of loan are you taking.

If you are taking 90% HDB loan, you can pay 10% downpayment by CPF OA funds.

If you are taking 80% bank loan, you need to pay 5% cash downpayment and 15% CPF OA or cash downpayment.

Other misc fees will be resale submission fee, valuation fee, buyer's stamp duty, legal fees etc.

Maybe you can share more information on your finances (cash on hand and CPF OA funds) and others etc so I can work out a financial plan for you.

Hope to hear from you soon!

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
ECG Property Pte Ltd
(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com Read More

Hi Haryanti,

Maybe you can share with me how much cash and CPF OA funds do you have on hand so I can draft out a financial plan to advise you what model (3 rm or 4 rm flat) is more suitable for your budget. Do advise me your preferred locations as well.

If you have substantial CPF OA funds, you don't have to take up any loan.

Maybe you can drop me an email as Property guru doesn't notify us when there is a reply to our post. Hope to hear from you. Cheers!

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
ECG Property Pte Ltd
(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com Read More

Hi Haryanti. Let me assist you in the whole buying process. I can sit down with you and go through all the financial breakdowns with you.
You may reach me at 91442664  .
Tricia Tan Read More