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Good evening! Do take note that because both of you are foreigners, you will be subject to 15% additional buyer's stamp duty on top of estimated 3% buyer's stamp duty. With 20% downpayment and 18% stamp duties required initially for purchase, you will need around $570k for a $1.5M property and provided you can obtain a 80% loan. As for loan wise, let my banker to advise you on your in principle approval to gauge how much both of you can obtain. Is there any way I can get in touch with you? Hope to hear from you soon! Warmest Regards, YT TAN 陈永达 | ACCA Graduate, RES Senior District Manager R043025D ECG Property Pte Ltd (A Wholly Owned Subsidiary of ECG Group of Companies) Estate Agent no. L3009759F Blk 190 Lorong 6 Toa Payoh #05-508 S (310190) (M): +65 9111 5171  (E): yt.lovelyhomes@gmail.com (W): www.yttan.com (W): yttan.stproperty.com.sg/ (W) www.lovelyhomes.com.sg (W) www.ecgproperty.com Read More

Good to hear that you plan to buy a condo unit in Singapore ie you believe in the Singapore growth story. As foreigners there is an additional buyer stamp duty of 15% that you need to fork out UNLESS you are from these five countries;(including permanent residents)from the US, Iceland, Liechtenstein, Switzerland and Norway. You will only need to pay the usual stamp duty like the locals at $39,600 (based 1.5M purchase price). For cash consideration, besides this amount and the purchase price less the loan amount,do set aside estimated 0.5% for legal fees and misc expenses. Whether you could borrow 80% (max) or lower will depend on the bank assessment of your income, other financial assets, credit worthiness, other loans, etc. Speak to any realtor should you require mortgage banker reference. Regards Josef 9450 5033  josefteo.kf@gmail.com Read More

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