7 Answers

YT Tan (陈永达)
Good morning c,

you are eligible for estimated $801k loan amount based on a $6k monthly income. If you want, i can get my banker to assess on your loan eligibility.

Hope my sharing helps in aiding in your enquiry. May I know how can I value add further in your property needs?

Best regards,

YT Tan
Property Kaki
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Dear prospective home buyer,

A financial plan is the critical first step towards realising the dream of purchasing a home in Singapore and you can approach a real estate consultant to assist you in planning out and working out the feasibility base on your existing scenario. The key consideration for a SPR to purchase a property in Singapore is the amount of stamp duties applicable (5% ABSD on top of normal buyer's stamp duty) as well as the loan to value ratio where Purchaser will be required to have at least 5% of the purchase price in cash and remaining 20% to be in form of cash and/or CPF, with balance 75% through loan.

We can arrange for a zoom discussion to kick off this step if you are comfortable in sharing more of your requirements and plans.

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 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
Associate Deputy Group Director
Salesperson Registration No. R014783H
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
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1) There was no mentioning of age, marital status and CPF thus I assume you are less than 40 yrs old to tabulate an estimate loan for your understanding.
2) Following are using different salary/mth to estimate your possible loan amount, loan tenure and cost:
(a) $6,000, 35yrs old: $800k (30 yrs loan tenure).
(b) $6,500, 35yrs old: $868k (30 yrs loan tenure)
(c) $6,800, 35yrs old: $908k (30 yrs loan tenure)

3) I'm using (2) as a guide on the down payment + stamp duty needed:
(a) $780k; 25% = $195k, BSD = $18k, ABSD = $39k. Total = $252k
(b) $800k; 25% = $200k, BSD = $18.6k, ABSD = $40k. Total = $258.6k
(c) $850k; 25% = $212k, BSD = $20.1k, ABSD = $42.5k. Total = $274.6k

5) Legal fees are around ~$2.5k.

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

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Hi Sir/Madam

1. Based on $6000/month fix income and no other loan, estimated loan that you can get is around $800k
Before shortlisting project/unit, I will suggest to check your in principal approval of your loan from banker.
I can connect you with reputable banker for this, free of charge and no obligation.
2. If Based on $1 mill, and assuming loan is 75% ($750k), SPR first property
5% Cash = $50,000
20% Cash/CPF = $200,000
BSD (Cash/CPF) = $24,600
ABSD (Cash/CPF) = $50,000
Legal fee = $2,500 (estimated)
Please contact me at (65) 96608508  and I can share the file breakdown for this calculation including timeline.
3. How many bedrooms are you looking at and which area you prefer?
I have current price list, promo of every projects in Singapore and will be glad to advise you

I will be glad to assist, no agent fee from private property buyer
Appreciate if you can contact me at (65) 96608508  or Silviayang8@gmail.com
or click here https://bit.ly/WaSilvia to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9660 8508 
Email: Silviayang8@gmail.com Read More
Robbie Chen Chee Howe

Yes, the first step in your home purchase would be to find out how much loan you can qualify for. Loan amount will be based on your TDSR, which factors in your age, income, and liabilities.

After you had gotten an in-principal loan approval, you would then better understand your budget and will be able to shortlist the suitable units from there on.

Do get in touch with me for further discussion on your home purchase.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. 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
Assuming a pay of 6K, you may be able to to get an estimated loan about $800,000. The breakdown to purchase a private property is as below:
5% - Cash
20% -CPF/Cash
75% - Maximum loan allowed regardless of loan approval.
Besides this, you have to take into account stamp duty and additional buyer stamp duty (5% for SPR owning 1st property). For more details, do contact me at 93375051  for a free and non obligatory discussion on this.

Taufik Hussein
ERA Realty Network Pte Ltd
Reg No: R061607B Read More