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im a singaporean that have been working overseas for 4 years. now that im back,i am thinking of buying a flat. between me and my wife we have over 120k in cpf. What hurdles will i face when im in the market? im after a hdb loan and it would be our first with hdb. advise please.. Btw,we just started work in singapore..
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3 Answers

YT Tan (陈永达)
Afternoon Shaik, What are your concerns in purchasing a resale flat? Maybe you can get in touch with me so I can address them. Since you are thinking of obtaining a HDB loan, do apply for HLE first so you can gauge your budget. Hope to hear from you soon! 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 Read More
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Afternoon, Being SC, you will be eligible for HDB loan and housing grant if your household income does not exceed S$10k. The only hurdle that I can anticipate is the amount of loan that will be granted to you against the sizing and location of unit which you are interested in. Do feel free to contact me for further discussion. Regards Mike Lim 96929209  m52i@yahoo.com ERA Read More
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Hi Mr Shaik, Welcome back to Singapore. I am Bryan from ERA. It is actually pretty simple and enjoyable to find a first house. If you are thinking of HDB loan, firstly we will need to apply the HLE which the rest has mentioned, it is HDB Loan Eligibility, to determine your budget. Also some other information like combine income, for housing grants. Actually the tiring part is searching, going through the listings, some good ones not listed, some listed but actually not available, coordinating and scheduling viewings efficiently, contacting and meeting agents of all sorts etc. But no worries, I will be able to assist you and bring you around, your job is just choose the one you like basically. :) Feel free to contact me for a friendly meet up at your convenience, no obligation of course, 86912345  Whatsapp/SMS/Call or email bryanlee@era.com.sg. Hope I can help you to find a lovely home. Thank you. Warmest Regards, Bryan Lee. ERA Read More
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