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You will require your income to be recognise by the banks here in Singapore, alternatively, if you have cash savings, it can also be recognise as a form of collateral for the bank to disburse loans.

Loan eligibility is subjected to 60% TDSR. You will need to produce income documents from your employer to the bank. It is better to check with the banks instead of a real estate salesperson since your income is not directly in Singapore and there could be some additional requirements before banks can consider disbursing loan to you.

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Regards,

Geryl LIM
Associate Marketing Director
Global Alliance Property (L3010679B)
CEA Reg R014783H
Mobile: +65-81577565  /+65-92787772
Email: geryl7772@gmail.com

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Morning Alicia,

Firstly, it would be good to obtain an employment letter from your company, bearing the company letterhead and appropriate signatory. Along with your income tax statement, you can submit this to local banks, along with your sister's income document, for their assessment.
Secondly, it would be good to prepare you list of credit expenses like mortgage, car loan or any unsecured loan statement. This will help speed up the process.
Lastly, since you have properties outlet SG, I would recommend that both of you look into private properties in SG. Should both of you opt to purchase resale HDB unit with the eligible scheme, you will be required to sell you private properties within 6 months from key collection.

Do feel free to contact me should you require further assistance.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More

Hi,

It will be better to enquire with a banker on what are the requirements for required loan amount and also eligiblity of loans based on your circumstances. TDSR of 60% will also apply when calculating the max attainable loan amount.

Thanks and look forward to assist with your housing plans further.

Warm Regards,
Ivan Ng ERA ASAP
(ASk Anything Property)
Proactive. Sincerity. Feedback.
SMU BBM (Finance), Magna Cum Laude

Email: Ivanng10@gmail.com
Contact: (+65) 97432395 
Facebook Page: www.facebook.com/ASAProp
Website: http://www.ivanng10.com/#!reviews/c11r1
(Client's Testimonials) Read More

Hi Mdm,

Both of you can apply for a loan together. I have a client who is a Singaporean and is working in Australia now. With the proper documents, I managed to assist her to secure a bank loan. She is now a happy owner of a property in Singapore.

The amount of bank loan will depend on both your income and your sister income. Please feel free to contact me so that I can assist you further on the loan application.

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS)
Cert-in-REA
(E) nick96444854@gmail.com
(W) www.nick-tan.com

Testimonial from Satisfied Clients (2015/2016)
“Nick is a responsible, efficient and excellent salesperson. He has very good knowledge of the real estate market and I benefitted 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.”
Susana (Buyer)

“Nick is very pro-active in helping us to resolve whatever questions and problems that we encountered. All the issues are settled even before us having to request or ask for a second time. He was very frank and transparent with all the details, limitations and advantages that we wouldn’t have known. I think this is the most important virtue to be successful in this line. I will surely recommend him to anyone who needs his service because I trust that they will be equally satisfied!!”
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.”
Mr & Mrs Wong (Property Seller)

“Nick from Property Avenue has conducted himself ethically and professionally when handling the sales of our property. Thanks to his patience and perseverance, we managed to secure a sales price beyond our expectations.
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