AskGuru Q&A Community

Hi Peggy Amelia

1) You are eligible to purchase non-landed private property. So you will be eligible to buy Condo.

2) For home loan, bank will take into consideration all owners age, income and obligations (if any).
Before shortlisting project/unit, I will suggest to check your in principal approval of your loan from banker.
I can connect you with reputable banker for this, free of charge and no obligation.

3) Based on $1 mill, and assuming loan is 75%
5% Cash = $50,000
20% Cash/CPF = $200,000
BSD (Cash/CPF) = $24,600
ABSD (Cash/CPF) = might apply
Legal fee = $2,500 (estimated)
Please contact me at (65) 96608508  and I can share the breakdown for this calculation including timeline.

4) How many bedrooms are you looking at and which area you prefer?
I have current price list, promo of every projects in Singapore and will be glad to advise you

I have assisted many clients purchase their Singapore property and will be glad to assist you as well
No agent fee from private property buyer
Will be glad to meet you to explain further, no obligation
I won't be able to contact you first from PropertyGuru, Appreciate if you can contact me at (65) 96608508 
or click here https://bit.ly/WaSilvia to whatsapp me
Thank you.

Warmest regards,

Silvia Yang

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

Hi Peggy,

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, could I also refer a mortgage broker to you?

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

Hi Peggy,

You would be eligible for non-landed residential properties (condos and apartments). As a SPR purchaser, there will be additional buyer stamp duty of 5% for SPR 1st residential property purchase, whereas it will be 30% for foreigners. Hence it is advisable to purchase under his name so to minimize the ABSD rate.

The mortgage would depend on the age, income, and any loan installments outstanding. Happy to assist with the calculations.

May I have more info and requirements about your plans so as to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Diamond Achiever

SEAA Salesperson Achievement Award 2021 (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
ERA Top 11th Achiever in June 2020 (Top 1% Company Level)
ERA Top 91th Achiever in 2nd Quarter 2020 (Top 2% Company Level)
ERA Top 15th Achiever in April 2019 (Top 1% Company Level)
ERA Top 86th Achiever in Sept 2019 (Top 2% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
Whatsapp: wa.me/6597432395
Email: Ivanng10@gmail.com
IG: instagram.com/ivanngrealtor
WeChat: ivanng10
FB: fb.com/IvanNgRealtor
Web: ivanng10.com/clientreviews
(Client's Testimonials)
CEA: R052114D

**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! ** Read More

Hi Peggy,

I will be able to assist you on your homebuying journey.

You may contact me at 94507283  .

Thank you

Gary Shien
 94507283  Read More

Hi Peggy,

You and your husband will be eligible to purchase non landed residential properties. These include condominiums, apartments and executive condominiums. Walk-ups and cluster houses with condominium statuses (strata titled) are eligible as well. They can be leasehold or freehold.

I would be glad to assist you further and please feel free to let me know if you need any further clarification. Have a good day ahead.

Warmest regards,

Alvin Yap

Marketing Associate
PropNex Realty Pte Ltd
Mobile: (65) 9669 3494 
Email: Alvin.yapck@hotmail.com Read More

Hi Peggy,

First of all, it will be good to look into the loan assessment first. As the minimum cash component required for all property purchases in Singapore is 5% with balance 20% made up of cash and CPF combined, On top of that, you will need to stand by on the ABSD applicable where if your husband is the sole buyer, then ABSD applicable will be at 5%, but if you are named as a co-owner, the ABSD applicable will become 30%. This is on top of normal stamp duty of between 3-4%.

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

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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

Hi Peggy. Do contact me at 97970200  to discuss more on your options

Mark, your RIGHT choice
Propnex Read More

Hi Peggy,
I would be glad to assist you.
Feel free to contact me at 97100155  .
Hope to hear from you soon.
Pei
Associate Group Director
Propnex Realty Pte Ltd

https://linktr.ee/peiproperty
https://r011838b.propnex.net Read More

Hi Peggy,

Thank you for your query!
You are in a similar dilemma as my daughter and I am assisting her in her condo purchase as her partner is a foreigner. Do contact me for a further dicussion for me to understand your requirements and advise further. I would be best predisposed to sharing any available inventory, price, floor plans and transaction caveats for your perusal. At the same time, I would be able to run you through some insights and procedural framework. Most importantly, we will need to run through key finances and establish a thorough financial plan with timeline as well as sales report for your understanding.

To visit my website for my recent accolades, awards and testimonials @ www.findpropertyagent.sg/R026193B

D Kumar
 +65 96659926 
ERA Associate Division Director

#1 team of ERA in Singapore, Asia Pacific International for 2014/5/6/7/8/9/2020/2021
ERA Top Achievers 2013-2021
ERA Multi-Million Dollar Club Award ‘2020-2021
2014-2020 ERA Asia-Pacific Business Read More

Hi Peggy,

Sure, I can assist you in your home purchase. Do drop me a WhatsApp message, and we can take this discussion further.

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