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Hi there,

As this is your first time purchase, it is apt to have yourself guided and walked step by step to ensure you do not overpay in the process of unfamiliarity and shortchange yourself on a good deal and paperwork conditions etc. As a realtor with years of experience and awards, it is my duty to assist you on leveraging on the weak market to pick out a unit as per your requirements and conduct negotiation. You can easily asses my proven track record and recent coveted awards & testimonial on my website to ascertain the commitment, dedication and integrity I uphold in representing my client's welfare and interest to get them the best possible deal.

Let's speak further at 96659926  to discuss more comprehensively on the crux of your requirements & expectations- to enable me to deliver a more accurate financial projection and breakdown of cash flow for your purchase after understanding your finances succinctly, so as to explore the possible options accordingly at no obligation. I will walk you through the entire purchase- from shortlisting, to negotiation, to establishing loan matters and working out finances (cash/cpf/progressive payment), paperwork, sorting legal matters, providing you with recent up to date transaction caveats for benchmark pricing as well as furnish you with a customized sales report & indicative valuations.

If you are comfortable with my working style, I am more than glad and confident to work for your interest to to guide to you to your ideal property.

D Kumar
 +65 96659926 
ERA Associate Division Director
www.kumarrai.com

#1 team of ERA in Singapore, Asia Pacific International for 2014.

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Hi,

I have helped you to do a rough estimation for your loan amount. I made an assumption to divide the income between both of you, with you earning $3,500 and you fiance earning $4,000 and taking into consideration both your age, a loan tenure of 25 years and assuming both of you do not have any other financial commitments, you will be able to get an estimated HDB loan amount of $496,000 which means you can purchase up to estimated $551,000.
If you are taking a bank loan, then your estimated loan amount will be $449,500 and you can purchase a property up to an estimated price of $561,000. The reason why there is a difference between the loan amounts for HDB and Bank loan is due to the different MAS rulings and different loan-to-value percentages.

Do note that the above figures are estimated amounts which we derive using our property calculators and based on the different factors mentioned above. I will definitely suggest for the both of you to apply for a HLE letter from HDB, or talk to a banker for your In Principle Approval loan amount from the banks. If you need any bankers, I can recommend some to you also.

Please do not hesitate to give me a call or sms if you have any further questions or queries. I will be more than happy to explain things to you or clear any of your doubts.

Looking forward to hear from you. Cheers!

Best Regards,

Jeffrey Heng
Division Director (Sincerus Division)
ERA Realty Network Pte Ltd

** Featured in CEA Newsletter for Great Client Service - https://goo.gl/NMusPZ **
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(2014)
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(2012/2013)

Mobile : +65 9858 1322 
Email : hengjeffrey@gmail.com
Web : www.sgpropertyadvisers.com Read More

Good morning buyers,

you are able at properties within $551k (90% HDB loan at $496k) to $561k (80% bank loan at $449k). This can be fulfilled if you guys have enough finances on hand (cash and CPF OA funds).

Care to share why are you guys going for resale flats?

Will you guys be open to discuss and explore other options?

Hear from you guys soon!

You might want to read this article:

https://www.aiido.com/blog/an-experts-view-on-building-your-first-nest

- One of well-earned Star Performers under the category of Top Private Property Transactors in Jan 2017-

Warmest Regards,

YT TAN 陈永达 | ACCA Graduate, RES
Associate Group Director
R043025D
Propnex Realty Pte Ltd
Blk 480 Lorong 6 Toa Payoh, #11-95 HDB Hub East Wing, Singapore 310480

(M): +65 9111 5171 
(E): yt.tan91115171@gmail.com
(W):www.yttan.com
(FB): www.facebook.com/yt.tan91115171/ Read More

Hi,

Comfort range varies between different people. Some external factors may include your job nature (employed, commission-based, self-employed), job security, cash on hand, CPF monies, and many others.

The type of properties (HDB or condo) you are looking to purchase also depends on you family plans for the future. In my opinion, if you do not plan to have children in the next 2 years, you should consider a private condo instead of a HDB.

Based on the information given, both of you are still very young, you have a chip on hand called TIME. I believe many of your peers are not planning marriage yet. You should make use of this chip to have a good headstart, and when the kids finally come, you will have accumulated your pot of gold.

Should you need any 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

Hi there,

Care to share more information like where are guys currently staying, where are your work places and likely working area in future and how much cash do you guys intend to utilise for your first property (please private message me or email me cause propertyguru doesnt prompt me when there's a reply to my post =))?

From there, perhaps I can come out with some suggestions.

- One of well-earned Star Performers under the category of Top Private Property Transactors in Jan 2017-

Warmest Regards,

YT TAN 陈永达 | ACCA Graduate, RES
Associate Group Director
R043025D
Propnex Realty Pte Ltd
Blk 480 Lorong 6 Toa Payoh, #11-95 HDB Hub East Wing, Singapore 310480

(M): +65 9111 5171 
(E): yt.tan91115171@gmail.com
(W):www.yttan.com
(FB): www.facebook.com/yt.tan91115171/ Read More

Good morning,

Without knowing how much CPF fund you have, what sizing you are looking at and whether you are buying under non-citizen spouse scheme or public scheme, it's hard to assist you for now.

Do feel free to contact me should you require additional assistance.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More

Hi,
With the combine income, if both of you not serving any other loan, then the estimated loan quantum is around 550K. You may combine with your CPF OA and cash to estimate the purchase budget. To advice you more in details, please drop me an email for me to share.

To assist and advise you more in details, kindly drop me an email for me to share.

I am contactable at my mobile or email.

CK Ang
 9046 3808 
res.ckang@gmail.com Read More