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Dear sir,

The best option can only be derived if we are able to find out more about the existing situation, from finances, to existing property details and the short, mid and long term plans before we are able to discuss more.

You are right that if you proceed to purchase another condo under your name, you will be the only person eligible to obtain a home loan using your CPF.

The key question now I am thinking about is what is a right price for your partner's existing condo before letting go? This is probably a choking point in whatever decisions you may make moving forward.

I have been in the real estate business since 2009, with more than 10years 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 Deputy 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
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Hi,

I would be most glad to assist you further and please feel free to let me know if you need any assistance. Have a good day ahead. By the way, another option would be for your gf to sell away the existing one and both of you could purchase a bigger unit for stay.

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

Dear Sir,

It depends on your objective and your overall financial position. You may also want to examine whether your current condo has appreciated in value since purchase and whether the project has reached the full upside potential.

Buying under your sole name means that only your income is being considered for the loan and only your CPF can be used to finance the loan. If your plan is to get a bigger place to stay together after the marriage, then it is good to have an overview of your overall financial position to see whether it will be too stretching to buy under your own name, taking into consideration the rental income as cashflow.

Please feel free to contact me so that I can do up an in-depth analysis for you so that you can make an informed decision going forward.

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS)
Cert-in-REA
(E) nick96444854@gmail.com
SEAA Salespersons Achievement Platinum Award 2020
Visit my website to know me better: www.nicktan.com.sg

I was featured recently on Council for Estate Agencies (CEA) Newsletter:
http://bit.ly/CEAnews

I have written a guide on buying Residential Property:
http://bit.ly/buypropertyguide

Testimonial from Satisfied Clients
“Nick is a responsible, efficient and excellent salesperson. He has very good knowledge of the real estate market and I benefited a lot from his advice and sharing. He is extremely patient when guiding me through the buying process and I am happy to secure a dream house within my budget with his assistance. A highly recommended salesperson who made my house hunting journey a breeze.”
Ms Chia (Buyer)

“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.”
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Mr and Mrs Chan (Sold and Bought a property through Nick)

“We are very grateful to Nick for his extensive marketing efforts. With his comprehensive marketing plan, he helped us to achieve a record selling price within 2 weeks of listing our property for sale! We highly recommend his service to anyone who is keen to sell their properties.”
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We are very happy and satisfied with his services and will definitely recommend him to our friends and family in the future.”
Mr & Mrs Tan (Seller of Inter-Terrace House) Read More

Hi Sir

I recently have client who have similar situation, and I propose them another option
I will be glad to assist you as well

Appreciate if you can contact me at (65) 96608508  or Silviayang8@gmail.com
or click here https://bit.ly/WaSilvia to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9660 8508 
Email: Silviayang8@gmail.com Read More

Hi,

1) The principle concept is only the owner of the property is able to apply for financial assistance from the bank, only the owner's property can utilize CPF for it.
2) For your 1st doubt, the price for the resale market is good now. If your gf bought it at the new launch, this should be a good time to harvest the fruit.
3) If your gf bought at the resale market, then this is the best you can see in the later year. Because in the future, although you see the price is still inching up, that is due to inflation and not actual profit anymore.

Hope the above answer to your main concerns, but if there are more query, please feel free to contact me at 90110636  , or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

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Hi Sir,

Yes you're right. If you're the sole owner of the condo, loan will only be based on your sole income, and only you are able to finance the property using your CPF funds.

I am unable to provide you with "the best option" at this moment, as I do not clearly understand both your profile, in terms of your age, family size, income levels, expectations, and risk appetite.

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

Hi Do contact me at 97970200  to discuss more

Mark, your RIGHT choice
Propnex Read More

Hi,
I would be glad to assist you.
Feel free to contact me @ 97100155 
Pei @ ERA Read More