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I'm turning 35 year old, plan to buy a resale 4 room hdb as single scheme . My salary is only 3.6k plus with bonus included + another part time job that have been paying me $1.5k with cpf included for a year . will HDB loan combine my 2 job salary together ? I also have CPF around 100K and I have 100k cash on hand. HDB loan can loan max up to how much and what grant can I get as first timer? Thanks!
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9 Answers

Hi, appreciate your sharing. Best to do up the HFE using your singpass to know what your maximum loan before working out your budget and decide your preferable size and location.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More
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Hi,

The best way to understand your HDB eligibility (max loan, grant amount etc) is to apply for HFE from HDB website. Here is the link for your reference: https://homes.hdb.gov.sg/home/landing

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

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Samantha (Resale condo buyer) Read More
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YT Tan (陈永达)
Good afternoon Ai QiYi,

I will advise you to apply for HFE on or after your birthday to have an idea how much are you eligible before we proceed with house hunting.

Do submit all your payslips and income statement so you can obtain a loan based on 2 jobs.

If your income is up to $7k, you will be eligible up to $40k CPF housing grant for resale 4rm flat purchase and additional $10k proximity housing grant if you decide to stay near parents' house (within same HDB estate or within 4km). Proximity housing grant doesnt have any income restriction.

Not eligible for enhanced housing grant tho as your income exceeds $4.5k unless HDB calculate your income differently.

Once your HFE is raedy, we can work out your finances before we proceed with housing hunting. FYI I just assisted a single in his 4RM flat purchase in choa chu kang recently. Hope I can offer you my expertise in your dream home search as well.

Best regards,

YT Tan
Property Kaki
You dream. I create. We make it happen!

Association of Chartered Certified Accountants Graduate
Singapore Accredited Mortgage Planner

Contact:
Mobile: 9111 51 71 (wa.me/6591115171)
Email: yt.tan91115171@gmail.com

Check out my website: propertykaki.sg

Do follow me on:

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You will receive free sms update on a monthly basis.SRX property tracker: http://bit.ly/yt_proptrack Read More
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Hi QiYi,

Get your HFE done when you have turned 35 so you can know the results of your loan.

I have been in the real estate business since 2009, with more than 14 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 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 Group 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
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My Answer with regards to your Question:

To figure out how much loan you can get and what housing grants you qualify for when buying a house, you should apply for an HDB Financial Evaluation (HFE). This will help you understand the final numbers for your purchase.

I am Sorry that This platform does not allow me to direct contact you.

You can reach me at https://wa.me/6598569255.

I am Happy to Help with No obligations! If you have any more questions or need assistance, FEEL GOOD to let me know. I am here for You! Cheers :)

See my REVIEWS here: (Just need to Copy and Paste the link)

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

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ABLE Toh-ERA, Singapore Mobile :( +65) 9856 9255  “ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me Read More
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Tan Pei Cheng (Pei)
Hi QiYi
I would be glad to assist you.
Feel free to contact me at wa.me/6597100155 .
Hope to hear from you soon.
Pei
Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd

https://linktr.ee/peiproperty
https://r011838b.propnex.net Read More
1
Hello!

I actually handle a lot of clients who are also Single HDB Buyers like yourself.
Would be happy to assist you!

Feel free to contact me at 9724 9731  for a friendly chat!

You can hop on to my PropertyGuru Agent Page to read reviews that customers have written for me too!

Vivien PropNex
 9724 9731  Read More
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Robbie Chen Chee Howe
Hi,

You may wish to apply for HFE first, and you will be clear on your financial situation and loan amount you qualify for.

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 +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More
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