AskGuru Q&A Community

Hi George,

Are you familiar with the new measures and how it may affect you?

To assist you, I would be glad to meet you and share with you more on your mentioned queries and to see how I can assist you further.

Feel free to contact me anytime. Have a great day.

Thank you.

* Warmest regards, Christine Huang

Mobile: (65) 9478 3204 
Email: christineloveswork@gmail.com
CEA Reg. No.: R048164I
PropNex Realty Pte Ltd L3008022J
"Powerful Negotiators" - No.1 Team in PropNex"

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Hi George,

If you are a Singapore Citizen and first timer, why not wait till you are 35 years old to buy a 2RM BTO direct from HDB under Single Singapore Citizen Scheme.

ok, back to your question, assuming best scenario of
1)you are Singapore Citizen,
2)no debt (like car loan or any other loans),
3)fixed $4500 monthly salary,
then you are eligible for a 80% loan of a $750,000 property. Max loan tenure of 30 years.

For the $750,000 property, the $130k you have is insufficient to pay the 20% downpayment.

If you have cash of $44,500 from your combined CPF/cash, then it would covered the min 5%cash downpayment + legal fees + stamp duty as well as the 15% CPF portion. In this case, you can look around a max $570,000 studio unit. With this amount, the number of studio unit is limited.

Will be glad to share with you the detailed calculation should you require one.

Warmest Regards
Josef
Senior Realtor
Mobile : 94505033 
Email : josefteo@kf.com.sg
Web : josefteo.myweb.sg Read More

(1) Reviews and credibility
Read client reviews for Able S K Toh, Property Agent (Director level), on PropertyGuru:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(2) Direct contact
WhatsApp Able Toh, Property Agent (Director level), at +65 9856 9255  or via:
https://wa.me/6598569255

This platform does not support direct messaging.

(3) Property services
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(4) Private home buyers
Assistance in sourcing resale and new private homes at zero charge, as seller agents commonly share commissions.

(5) New launches and developer sales
Access to competitive pricing, no agent fees, and updated brochures, floor plans, and price lists.
Email: Able.selling@gmail.com Read More

(1) Reviews and credibility
Read client reviews for Able S K Toh, Property Agent (Director level), on PropertyGuru:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(2) Direct contact
WhatsApp Able Toh, Property Agent (Director level), at +65 9856 9255  or via:
https://wa.me/6598569255

This platform does not support direct messaging.

(3) Property services
Professional support for renting, selling, buying, and property investment in Singapore.

(4) Private home buyers
Assistance in sourcing resale and new private homes at zero charge, as seller agents commonly share commissions.

(5) New launches and developer sales
Access to competitive pricing, no agent fees, and updated brochures, floor plans, and price lists.
Email: Able.selling@gmail.com Read More

(1) Reviews and credibility
Read client reviews for Able S K Toh, Property Agent (Director level), on PropertyGuru:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(2) Direct contact
WhatsApp Able Toh, Property Agent (Director level), at +65 9856 9255  or via:
https://wa.me/6598569255

This platform does not support direct messaging.

(3) Property services
Professional support for renting, selling, buying, and property investment in Singapore.

(4) Private home buyers
Assistance in sourcing resale and new private homes at zero charge, as seller agents commonly share commissions.

(5) New launches and developer sales
Access to competitive pricing, no agent fees, and updated brochures, floor plans, and price lists.
Email: Able.selling@gmail.com Read More

(1) Reviews and credibility
Read client reviews for Able S K Toh, Property Agent (Director level), on PropertyGuru:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(2) Direct contact
WhatsApp Able Toh, Property Agent (Director level), at +65 9856 9255  or via:
https://wa.me/6598569255

This platform does not support direct messaging.

(3) Property services
Professional support for renting, selling, buying, and property investment in Singapore.

(4) Private home buyers
Assistance in sourcing resale and new private homes at zero charge, as seller agents commonly share commissions.

(5) New launches and developer sales
Access to competitive pricing, no agent fees, and updated brochures, floor plans, and price lists.
Email: Able.selling@gmail.com Read More

(1) Reviews and credibility
Read client reviews for Able S K Toh, Property Agent (Director level), on PropertyGuru:
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

(2) Direct contact
WhatsApp Able Toh, Property Agent (Director level), at +65 9856 9255  or via:
https://wa.me/6598569255

This platform does not support direct messaging.

(3) Property services
Professional support for renting, selling, buying, and property investment in Singapore.

(4) Private home buyers
Assistance in sourcing resale and new private homes at zero charge, as seller agents commonly share commissions.

(5) New launches and developer sales
Access to competitive pricing, no agent fees, and updated brochures, floor plans, and price lists.
Email: Able.selling@gmail.com Read More