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Hi

If you like to text to 9620 0827 , I will do a Proforma Financial Statement for your understanding and reference.

Regards

Gavin Read More

Hi, I would be most glad to assist you further and pls feel free to let me know if you need any assistance.

Regards
Aaron
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Hi Sir/Madam

I will be glad to assist you with details finacial calculation
Please contact me at (65) 96608508  or Silviayang8@gmail.com
or click here http://bit.ly/2tzIQ1a for non obligation discussion.

Thank you.

Warmest regards,

Silvia Yang

PropNex Realty Pte Ltd
Mobile: (65) 9660 8508 
Email: Silviayang8@gmail.com
www.facebook.com/SilviaProperty Read More

Hi,
Pls feel free to contact me @ 97100155 .
I would be glad to assist you.
Pei Propnex Read More

Hi,

It depends on the property attributes and sale price attainable as well. If you are purchasing a 2m property after selling away the hdb, the minimum cash downpayment is 5% at 100k.

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 ASAP
(ASk Anything Property)
Proactive. Sincerity. Feedback.
SMU BBM (Finance), Magna Cum Laude

Contact: (+65) 97432395 
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-- HDB BTO 4rm Sellers Mr. Farvin & Ms. Sel --

Ivan was the first agent that we met up with and right from the offset we had good vibes as he has a friendly personal approach, detailed working style and focuses on building the long-term relationship.

Our unit comes with its challenges but Ivan remained positive and had no qualms committing to our plans right from the start. It took only 6 weeks of aggressive marketing for him to secure a good offer which was a pleasant surprise in the end.

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--- HDB Flat Upgraders Mr. & Mrs. Lee ---

We decided to engage Ivan as our agent as we were impressed with how he answered the enquiries on property guru website.

He has helped us to find our ideal unit and also sold our current unit. He was very patient and never pushy when we were looking for our ideal unit. He would tell us that it is always important to find a unit that we really liked.

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Thanks Ivan! :)

-- HDB 5-rm Sellers Mr. & Mrs. Ting --

We have engaged the services of Ivan Ng for sale of our property at Pandan Gardens. He is professional and systematic in his marketing approach.

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He provided us with sound and useful advice as well as closely follow through from the start till the smooth sale of the property within a short period of time.

Thanks, Ivan. Keep up the good work! Read More

Dear Sir/Mdm,

For your case, you will need to take note of 2 issues, the finances and the timeline. Ideally, we can plan the sale and purchase concurrently so that you will be able to reuse the sales proceed and CPF from your current property to finance the condo purchase, thereby reducing your cash outlay.

With a proper planning in timeline, you will be able to avoid the Additional Buyer Stamp Duty (ABSD) and also be able to transit smoothly from your HDB to the condo without the need of an interim housing solution.

I have assisted many of my clients who are in a similar situation to upgrade smoothly from a HDB to a condo. Please feel free to contact me so that I can understand your situation better and draft up an upgrading plan for you!

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:
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“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”
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Mr & Mrs Tan (Seller of Inter-Terrace House) Read More

Hi,

The amount you need to set aside depends largely on whether you purchase the condo first, or sell away your current HDB first.

If you opt to purchase first and sell your HDB later, you may need to set aside up to 75% of the purchase price of the condo. So, if you're looking to purchase a $2m condo, you will need about $1.5m on hand.

This is because, as your HDB is still under loan, you will be entitled to maximum of 45% loan. This means that you will need to fork out the balance 55% as downpayment. On top of that, you will also be liable for ABSD of 15% (which is refundable after you sold your HDB flat within 6 months of your condo purchase). Normal BSD of 4% applies, and other fees like legal conveyancing fee etc, total makes up about 75%.

If you do not have so much funds on hand, you might want to consider selling your HDB first before being granted the OTP for your purchase.

If you had sold your HDB, you will be entitled to up to max 75% loan for your condo purchase. This means you will need to set aside 25% as downpayment. You will also not be liable for any ABSD (save 15%). Normal BSD of roughly 4% applies. which means you probably need to set aside only up to max 30%, which you may use from the cash proceeds of your HDB flat with proper timeline planning.

I understand that Timeline Planning is very crucial to all HDB upgraders. I am experienced and well-versed in both HDB and private resale transactions. If you do not wish to shift house more than once, I will be able to assist you to have a smooth transition in your upgrading plans.

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

Dear sir/madam,

First and foremost, how did you work out the target purchase price?

As it involves home loan, the critical consideration aspects will be the cash flow as well as financing towards the purchase, where your income and monthly financial commitments will be required by the bankers to do an assessment towards your purchasing plans, such that you will be able to understand deeper into the affordability as well as your comfort in managing this purchase.

Once you have all the above information available, I have already worked out a spreadsheet where it will show you an estimation of what to expect in terms of financial flows for the upgrading process.

Let's keep in touch for further discussion.

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Regards,

Geryl LIM
Consultant - Director
Global Alliance Property (L3010679B) - Century 21
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