AskGuru Q&A Community

Hi

You may text 9620 0827  for a casual chat.

Warmest regards

Gavin Read More

Dear sir/mdm,

Congratulations!

HLE has a 6 months validity period, therefore if you are planning to work strictly on the timeline involved, then it could be good to start looking out sometime around August period since by then, if you are able to shortlist and secure a unit, the completion period will likely be sometime in November or December range. Factoring in some simple renovations, it should be just in time for you to move in after your marriage.

We have a team of consultants who works closely with newly weds like yourself and we will be please to be able to assist you in your home search too!

Get in touch with us for a non-obligatory discussion perhaps?

I have been in the real estate business since 2009, with more than 13 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
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
Estate Agent Licence No. L3009250K
[main] +65 6471 8888  [mob] +65 81577565  [LDA] +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

-----

Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore

Pick up knowledge, skills and Real Estate concepts at https://www.facebook.com/RealEstateXcellence/

New Singapore Expatriates on facebook is up and running. Come join us at https://www.facebook.com/groups/newsgexpats/

-----
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

Congratulations on your engagement!

The best time to look for a flat would be now, if you want to move in by Jan 2023 - end of July 2022.

Why? Because HDB completion period takes about 3 months, and do budget 1-2 months for renovation. Some even take 3 months.

You also need time to go for viewings, shortlisting, negotiation for your house hunt.

For the 3 months deadline, if you have valid reasons, you may be able to appeal to give your marriage cert post 3 months from the date of completion.

P.S I have guided many of my clients appeal successfully as they had valid reasons.

On top of that, it would be best to get your HLE done right now (it's free and valid for 6 months) to certain your budget..

HDB takes some time (can very to weeks) to generate the HLE.

Based on your current numbers, if you don't have any debt, you should be able to loan an estimated of $450k and below

For Grants, you could be eligible for Family Grant, Enhanced Housing Grant, Proximity Housing Grant.

Do refer here - https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/flat-and-grant-eligibility/couples-and-families/enhanced-cpf-housing-grant-families

Based on the figures you've shared (grants not inclusive), it seems that max budget for a HDB resale flat below $700k would be prudent without you coming out to top up with cash.

You would be able to afford most of the 4-room younger HDB flats in Bedok (808 series Chai Chee Road). For 5-room, you may explore Belvia DBSS but you would need to stretch about $180k more or so,
which I wouldn't really reccomend unless you the spare cash and your personal reasons for doing so.

Alternatively, you may also explore slightly older HDB estates (2000) Bedok North Road for 5-room flats.

I have helped many of my clients buy their first home at the best price and terms.

Do let me know if you prefer to have someone to guide you through the whole process smoothly :)

Lucas Lim
 8333 0360 
ThePropGuide
E&K Realty Pte Ltd Read More

Hi Miss,

If you're looking to shift into your new home in Jan 2023, you should really start your process now. Most sellers requires extension of stay now, and your options will be limited to those flats whose sellers do not require extension of stay.

Do take note that you will also need to cater some time for renovation works, which ideally can be finished by Jan 2023 to avoid the CNY period, as renovation workers will stop work early in preparation for CNY.

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