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Good day to you.

It's great to see that you're making an effort to gain clarity about your present situation. HDB will evaluate your credit status using the report. With your current score, you may receive a lower loan amount. Is this what you want? What is stopping you from resubmitting your HFE application in one to two months for a better credit score, considering that your debts have been settled?

Navigating a property transaction can be complex, especially with major life events. As a seasoned property consultant with 15 years of experience, I provide informed guidance on complex property matters.

I assist my clients with -

Divorce: Providing guidance for property settlements and achieving a clear outcome.
Estate Planning: Simplifying the process of planning for the future or handling inherited property.
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For informed guidance along your property journey, you can schedule a free consultation to discuss your specific needs.

For more property insights, follow my short videos here: https://www.youtube.com/@SGHomeCompass Read More

If you have funds on hand and do not necessary rely on the housing loan aspect to purchase, it will not matter much about your CBS report. HFE is more towards the eligibility to purchase and loan is part of the assessment. If you only require little to no loan for the purchase, using existing CBS will be okay.

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I have been in the real estate business since 2009, with more than 15 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 15,900 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
Deputy Branch Associate 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

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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

Effect on loan – Your CBS grade and score will be considered. A lower score (like CC, 1829) may reduce the loan quantum offered, but it doesn’t automatically mean rejection.

Timing – Since you just cleared your debt, the CBS report may take some time (usually 1–2 months) to reflect the update.

Options – You can submit now with your current report, but if you want the best chance of a higher loan amount, waiting for your score to improve could be wiser.

Key point – HDB looks at overall eligibility, not only credit score. Income, age, loan ceilings, and grants also weigh into the assessment.

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

----------------------------888--------------------------------888--------------------------->>>

(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here:

✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255 

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N2.Artisan 8 – Sin Ming Road, D20 | RCR | ~4 min to Upper Thomson MRT (TEL)

N3.Canberra Crescent Residences – Canberra Crescent, D27 | OCR | ~6 min to Canberra MRT (NSL)

SOUTH Region //

S1.UpperHouse @ Orchard – Orchard Boulevard, D10 | CCR | Direct link to Orchard Boulevard MRT (TEL)

S2.Zion Residences – Zion Road, D9 | CCR | ~4 min to Great World MRT (TEL)

S3.Promenade Peak – Zion Road, D9 | CCR | ~5 min to Havelock MRT (TEL)

S4.Robertson Opus – Unity Street, D9 | CCR | ~7 min to Fort Canning MRT (DTL)

S5.River Green – River Valley Road, D9 | CCR | ~5 min to Great World MRT (TEL)

EAST Region //

E1.Arina East Residences – Tanjong Rhu Road, D15 | RCR | ~3 min to Katong Park MRT (TEL)

E2,Amber House – Amber Gardens, D15 | RCR | ~10 min to Tanjong Katong / Marine Parade MRT (TEL)

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W1.LyndenWoods – Science Park Drive, D5 | RCR | ~5 min to Kent Ridge MRT (CCL)

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W3.Faber Walk GLS – Faber Walk, D5 | RCR | ~10 min to Clementi MRT (EWL)

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OTHERS / OCR Launches //

O1.One Marina Gardens – Marina Gardens Lane, D1 | CCR | ~2 min to Marina South MRT (TEL)

O2.W Residences Marina View – Marina View, D1 | CCR | ~2 min to Shenton Way MRT (TEL)

O3.Otto Place EC – Plantation Close, D24 | OCR | ~6 min to Tengah Park MRT (JRL)

O4.The SEN – De Souza Avenue, D21 | OCR | ~8 min to Hillview MRT (DTL)

O5.Skye at Holland – Holland Drive, D10 | CCR | ~6 min to Holland Village MRT (CCL)

O6.Margaret Drive GLS – Margaret Drive, D3 | RCR | ~5 min to Queenstown MRT (EWL)

QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More

I’m Aren Goh from PropNex.

For HDB loans, CBS (Credit Bureau Singapore) grades are considered as part of your overall credit assessment. A CC grade isn’t ideal, but it doesn’t automatically mean your loan will be rejected. HDB will also look at:
• Your recent repayment history (you mentioned clearing your debt 2 weeks ago, which is positive).
• Your income and CPF contributions.
• Total outstanding liabilities.

Worst case, HDB might offer a lower loan amount or require you to top up with cash instead of CPF.

Since you’ve already cleared your debt, you can submit your current CBS report. Waiting for an update is uncertain and may delay your HFE application. It’s better to submit now and provide a note explaining the recent repayment. HDB usually takes recent debt clearance into account.

If you want, I can outline a strategy to maximise your HDB loan approval given your current CBS grade. You can WhatsApp me at 9657 6701  . Read More

Effect on loan – Your CBS grade and score will be considered. A lower score (like CC, 1829) may reduce the loan quantum offered, but it doesn’t automatically mean rejection.

Timing – Since you just cleared your debt, the CBS report may take some time (usually 1–2 months) to reflect the update.

Options – You can submit now with your current report, but if you want the best chance of a higher loan amount, waiting for your score to improve could be wiser.

Key point – HDB looks at overall eligibility, not only credit score. Income, age, loan ceilings, and grants also weigh into the assessment.

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

----------------------------888--------------------------------888--------------------------->>>

(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here:

✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255  Read More

Hi - please contact me at 8911 8921  for me to advise you further on your options and next steps.

Sam @ Propnex
 8911 8921  Read More