Hi,
1) I could feel the frustration from you; "money no enough".
2) This applies to most of us, whether from HDB to HDB or HDB to private. Most of us are trapped in the rat race.
3) Upgrading needs money, thus you have to try to save some to prepare for the upgrade.
4) On top of that, invest in yourself, attend training that can advance your career, gain more skills to enhance and raise your value to an employer.
5) You can get a pay rise from owning more skills or even being recognized your value by potential employers. This will improve your active income.
6) HLE is the best leverage tool to assist you to own a home because the max loan can be 90%. Downpayment is only 10%.
7) To apply for BTO, the 1st thing you need to do is to apply for HLE to understand how much you could leverage.
8) Read the detail of the HLE application over here, and things that you must be aware of:
https://services2.hdb.gov.sg/webapp/BP27AWHLEApplication/BP27PTerms.jsp
9) After which you can submit your application form here:
https://services2.hdb.gov.sg/webapp/BP27AWHLEApplication/BP27SHome
10) You will know how much is short of upon received your loan eligibility letter from HDB, and what are the types of flat you can set your aim at.
Hope the above answer to your main concerns, but if there are more query, please feel free to contact me at
90110636
, or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.
Best regards
Ling CK
90110636
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer
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