8 Answers

Hi there,

Both you and your wife are PR?
If yes, then do ensure that both of you have had your PR status for 3 years or more.

CPF OA savings: 200k
Cash: 70k
CPF housing grants: NA, since both are PR
Max bank loan: -not stated-

As per the information given, it is hard to ascertain what is your max budget for a resale HDB purchase, mainly because I am not sure of your max bank loan amount.

Do also take note that there are other fees involved for your resale HDB purchase, such as the the regular BSD, 5% ABSD (as both of you are PR), legal fees, misc fees, etc.

If you would like to discuss further, please feel free to PM me via my contact number below.

Thank you!

Best Regards,
Harith Nash | Nash Brothers
Mobile: (65) 9825 5719 
Vevien Ong Division | PropNex Realty Pte Ltd Read More
Hi, the best way for me to advise you will be to go apply for a HFE as long as both of you have attained PR status for at least 3 years. It shows you everything from loan amount to the budget you have to purchase a unit. Without your income, it is difficult for me to advise a loan amount.

Hi, both of you are parties involved in the agreement, and both of you are liable and responsible for the agreement. The one alternative solution i can think of is liaising with the landlord as well as your sibling to have a replacement tenant to take over your room and see if they are open to the idea.

Hi, hopefully you managed to get your doubt or query answered. If so, then congrats! Hopefully you are doing well now.

If you are currently or planning to find a property agent, I can assist.

If you are interested in prices of houses in your neighbourhood, you may visit this website to find out more or contact me.


If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.

Landon Chew
97 39 60 40
landonchew@email.com Read More
Hi Randy,

Assume both have held SPR status for 3 year each. Based on the funds available, your purchase price should be approx $800k, assuming both of you can borrow 75% loan 600k no issue.

Price 800k (assuming no COV)

Stamp duties + legal fee 61.1k
Cash dp 5% 40k
Cash cpf dp 20% 160k
Agent success fee 1% + GST 8.72k

Covered by 270k cash + CPF OA

Max 75% bank loan 600k

So it will depend on your current incomes and how much loan you can borrow

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
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Hi Randy,

Understand that you're both PRs and assuming you have held the status for 3years, I highly recommend you to apply for HFE, it shows you your eligibilities, covers the loan amount you can take as well as helping you with budgeting.

If you’re unsure to go about it, I’m happy to assist you further. You may reach out to me via WhatsApp at 9189 0029  .

Angel Lim 9189 0029  ERA Realtor R070213E Read More
Hi, appreciate your sharing. Have both of you past 3 years of attain the blue NRIC ? Done your loan check so far?
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Stewart-PropNex (Senior Associate Division Director) Read More
Hi Randy,

Both of you will need to be SPR for at least 3 years before you are eligible to purchase a resale HDB. Given your existing funds that require to cover the minimum 25% downpayment, 5% ABSD and 3% BSD, and assuming that your income allows you to take up the balance 75% as loan, you should be able to look into something around the $800k range for the resale flat. It will be best to do a proper financial assessment though based on your income and age.

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
Senior Division Associate Director
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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Apply for HFE (HDB Flat Eligibility).
Benefits of HFE:
Shows eligibility for different HDB flat types.
Estimates the loan amount you can qualify for.

"If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ABLE Toh >>9856 9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

For buyers, I offer solutions for sourcing resale and new private homes at no charge.

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

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Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份) :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

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From: ABLE Toh- Your Property ASSISTANT :)

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Tan Pei Cheng (Pei)
Hi Randy
I would be glad to assist you.
Feel free to contact me at wa.me/6597100155 .
Hope to hear from you soon.
Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd

https://r011838b.propnex.net Read More