7 Answers

Hi Candy,

To estimate the max loan you can get and monthly mortgage amount, we need to know the monthly income figures as well.

Just that based on downpayment of 200k alone, a property price of around 605k could be something we can look at.

May I have more info and requirements about your plans so to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Top 600 Achievers in Year 2017 (Top 10%)
ERA Top 300 Achievers in 3rd Quarter 2017 (Top 5%)
SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

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**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! ** Read More
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Hi Candy,

To better assess what is the quantum of the property you can afford comfortably, it will be good if you can inform me privately your rough income and the CPF amount that you have. With this information, I can give you an overview of your financial position and determine the quantum you can afford comfortably.

More importantly, I can also highlight to you the projects with good upside potential so that you will be able to exit easily in the future.

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com

Visit my website to get to know me better:
www.nicktan.com.sg

I was featured recently on Council for Estate Agencies (CEA) Newsletter:
http://bit.ly/CEAnews

Testimonial from Satisfied Clients

“I would like to recommend Nick Tan from SRI. Before we engaged Nick, we were working with another agent from a very popular property agency in February 2017. We decided to terminate the contract after 5 weeks of zero viewings and no paper advertisements. Basically he was just waiting for phone calls. We engaged Nick on 20th April and by 10th of May, our unit was sold off. Why Nick? 1. He has good marketing strategies 2. He always kept us posted on what he did (communications!) 3. He made sure we understand the current market situation but he will consistently reassure us that the unit can be sold off 4. He is not greedy and trusting 5. He walks the talk”
Peter & Wendy (Property Seller)

I write to commend Nick Tan (R040814C). When my husband and I first met Nick, we were impressed by his drive, commitment, business acumen and strategical thinking, and decided to engage him. We were not disappointed. Nick sourced for prospective quality buyers in a targeted methodical fashion and was effective in connecting us with serious buyers, notwithstanding the fact that the search primarily took place over Dec – Feb (a traditional lull period). Throughout the transaction, he also gave us helpful advice in various aspects; the advice reflected his personal experience and expertise and was not simply regurgitated from public sources without any value-add. Further, Nick went beyond the call of duty of a competent professional. He had a sense of humanity in the way he interacted with myself and the other parties to the transaction such as my parents. As an example, my newborn daughter was warded into A&E on the completion date of the transaction; the care and concern that Nick showed went beyond the scope of work of an estate agent. I commend Nick for his capabilities and character, and would certainly wish to engage him for future property transactions.
Weilun & Benita (Property Seller)

“We are very grateful to Nick for his extensive marketing efforts. With his comprehensive marketing plan, he helped us to achieve a record selling price within 2 weeks of listing our property for sale! We highly recommend his service to anyone who is keen to sell their properties.”
Mr & Mrs Wong (Property Seller)

“Nick has conducted himself ethically and professionally when handling the sales of our property. Thanks to his patience and perseverance, we managed to secure a sales price beyond our expectations. We are very happy and satisfied with his services and will definitely recommend him to our friends and family in the future.”
Mr & Mrs Tan (Seller of Inter-Terrace House)

“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.”
Susana (Buyer) Read More
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Dear Candy,

What I am missing out in order to estimate your loan amount is your monthly income as well as if you are currently servicing any loans or have any debts or financial commitments. With these details, I will be able to advise better in terms of loan eligibility and repayment commitment.

We are offering our clients a complimentary 45 minutes first consultation without obligations (Absolutely FREE!). Visit http://bit.ly/FOC1stConsult to schedule your FREE session today!

Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore

Pick up knowledge, skills and Real Estate concepts at https://www.facebook.com/RealEstateXcellence/

New Singapore Expatriates on facebook is up and running. Come join us at https://www.facebook.com/groups/newsgexpats/

My self introductory video on https://www.youtube.com/watch?v=uZ6REQfdGSw

Regards,

Geryl LIM
Consultant
**Aspring To Be The Best Real Estate Agent In Singapore
Century 21
CEA Reg R014783H
www.geryllim.com
Mobile: +65-81577565  /+65-92787772
Email: geryl7772@gmail.com

Landed Dynamic Alliance
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Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More
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Robbie Chen Chee Howe
Hi,

To ascertain your maximum loan, I will need to know your monthly income, and also any other financial liabilities currently.

Monthly mortgage installment will depend on the loan amount, as well as loan tenure. You could either take a 17 year loan, or a 27 year loan. This will greatly affect your monthly installment amount too.

I am experienced and well-versed in both private and HDB resale transactions. I will be able to assist you in your property purchase. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile 9748 6305  . I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More
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Good afternoon Candy!

I am focused on Residential properties and would be happy to assist you with your Real Estate enquiries.

As I do not have your contact details, kindly contact me directly by email at bhavina7777@gmail.com or call/text/whatsapp me at 91708295  , as we are not notified when you reply here. Once I get all the needed details from you, I will be able to assist you with the calculations and advise you. I look forward to hearing from you.

Bhavina Kaur
M: +65 91708295 
E: bhavina7777@gmail.com
W: investbuysellrent.com
F: facebook.com/investbuysellrent
Whatsapp: https://wa.me/6591708295 Read More
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Hi Candy,

Thanks for providing your monthly income figures. Is the employment local?

Anyway, basing on the USSD$9k income, assuming it is monthly fixed local income as well as no other financial commitments, based on my estimation, your maximum purchase price of a property is in the range of just under $620,000 with the amount of funds you have on hand. Basing on income strictly, your loan eligibility is in the range of $1.1m. The loan to value ratio is 75% maximum therefore 25% downpayment has to be made in either cash and/or CPF.

The figures above require to be verified with a banker to confirm though as it is based on a rough estimation.

I have been in the real estate business since 2009, with more than 10years 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 9,400 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my clients’ 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 45 minutes first consultation without obligations (Absolutely FREE!). Visit http://bit.ly/FOC1stConsult to schedule your FREE session today!

Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore

Pick up knowledge, skills and Real Estate concepts at https://www.facebook.com/RealEstateXcellence/

New Singapore Expatriates on facebook is up and running. Come join us at https://www.facebook.com/groups/newsgexpats/

My self introductory video on https://www.youtube.com/watch?v=uZ6REQfdGSw

Regards,

Geryl LIM
Consultant
**Aspring To Be The Best Real Estate Agent In Singapore
Century 21
CEA Reg R014783H
www.geryllim.com
Mobile: +65-81577565  /+65-92787772
Email: geryl7772@gmail.com

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
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