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Hi,

TDSR will be calculated based on your income only since you will be the sole owner. No ABSD is applicable if you do not own any other residential property. I am contactable at 97432395  for further discussion.

Hope the above clarifies. 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)
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ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
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ERA Top 86th Achiever in Sept 2019 (Top 2% Company Level)

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

Contact: (+65) 97432395 
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Mr & Mrs Wee : We would like to share our appreciation and commendation to Ivan for their professionalism and dedication in handling our property transaction. It was a great pleasure to work with him as he was patient throughout the entire process and explained to us and clarified any doubts we had without fail. He was also very prompt in responding to all the queries we had. While we were unsure if we were able to sell off the property in time, Ivan constantly reassured us that it was possible and offered his professional advice. In fact, he managed to secure an offer to sell the property above our expected price while concurrently negotiated the buying price for our next property. Having Ivan as our agent significantly made the entire process seamless and fuss-free. We will definitely recommend Ivan to our family and friends.

Buyer
Andy Huang : While we are searching for an agent to help us with purchasing a unit at a new launch condo, we get to know Ivan from PropertyGuru. Initially we had issue with the funding. Ivan has been extremely patients with all our questions and ideas during financial planning.Our ballot queue is not in the front, however Ivan has always been able to propose options for us to eventually get a decent unit that both my wife and i liked.Being the first timer ourselves, there are always so many questions marks and unknowns. Yet Ivan has been the one single person that we can always rely on, be it financial, legal, or even renovation related. The follow-up is literally within a snap of finger - we could always expect an accurate reply within minutes. It's a short and eventful journey, we are really grateful that such an outstanding and committed agent like Ivan is aroun d to support & guide us along the way. A big THANK YOU to Ivan for the great effort and commitment. Read More

Hi Sir/Madam

1. TDSR will be determined solely based on your income as the sole owner.
If you are Singaporean and do not own any other residential property, you will not be subject to ABSD.

2. 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. For Singaporean 1st Property and based on $1 mill, and assuming loan is 75%
5% Cash = $50,000
20% Cash/CPF = $200,000
BSD (Cash/CPF) = $24,600
Legal fee = $2,800 (estimated)
Please contact me at (65) 9660.8508 and I can share the breakdown for this calculation including timeline.

4. How many bedrooms are you looking at and which area you prefer?
To check out other project: https://96608508.eraagent.sg/projects
I have current price list, promo of every projects in Singapore and will be glad to advise you

I will be glad to assist, no agent fee from private property buyer
Appreciate if you can contact me at (65) 9660.8508
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) 9 6 6 0 8 5 0 8
Email: Silviayang8@gmail.com Read More

Hi, appreciate your sharing. Able to check with banker and update. Usually it is base on the purchaser.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Hi, if you are planning to buy the property under your own name, only your income will be used for calculation of TDSR, which might affect the loan amount .

If you require any further assistance or help, especially regarding investing/buying/selling/renting in property , I will be glad to help.

Landon Chew
 97396040 
Landonchew@email.com Read More

TDSR is based on the borrower's income. If your spouse is not a co-owner of the condo, then only your income will be assessed for the loan since non-owner cannot be borrower.

I have been in the real estate business since 2009, with more than 14 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
Senior Division Associate Director
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
 +65 92787772 
www.geryllim.com

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

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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 Sir/Mdm,

If you wish to avoid the ABSD, then the condo would need to be purchased under your sole name and therefore only your sole will be considered under the TDSR calculation.

Please feel free to contact me so that I can understand your concerns and assist you further!

Regards,
Nick Tan
(M) +65 96 44 48 54
B.Eng(Chemical)(Hons)(NUS)
Cert-in-REA
(E) nick96444854@gmail.com
SEAA Salespersons Achievement Platinum Award 2020/2022/2023
Visit my website to know me better: www.nicktan.com.sg
WhatsApp: https://wa.me/qr/X6VRPGSSIHN5D1
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
“We have the privilege to work with Nick on our recent house purchase and we are extremely grateful for all the help he rendered to make the purchase a seamless experience!

Nick is attentive to all the requirements we have for our purchase and in the short span of time, he was able to provide us with potential shortlisted units that meet our criteria. (A big lifesaver for family with young kids and limited availability!) When conducting a viewing, Nick is highly proactive as he can be seen taking notes, asking questions, checking the conditions (that we missed or never thought of) and etc.

Overall, Nick remains reactive and portrays professionalism in this entire process. We would definitely recommend him to our friends and family who are looking for their next home/move opportunity.”

Jeannie & Victor (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 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

If your spouse owns a fully paid private property and you wish to purchase another condo under your name to avoid Additional Buyer's Stamp Duty (ABSD), the Total Debt Servicing Ratio (TDSR) will typically be calculated based on your income only. Since the property you're purchasing will be solely under your name, your income will be the primary factor considered in assessing your eligibility for the mortgage loan and meeting TDSR requirements.

I am Sorry that This platform does not allow me to direct contact you.

To further assist you, please feel free to contact me via WhatsApp at 9856 9255  or through this link: https://wa.me/6598569255.

My services come with no obligations, and I'm here to help with any questions or assistance you need.

You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

For buyers, I offer solutions for sourcing resale and new private homes at no charge.

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

I also have partners to assist with mortgage home insurance matters.

Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

You can reach me at my Singapore mobile: +65 9856 9255  or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT ：）

“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

XXXXX The END XXXXXXX Read More

Hi,

It will be only your income, since the purchase will be under your sole name.

If you require a higher loan amount, there are a few options which you may consider. Do get in touch with me for further discussion on this.

I am experienced and well-versed in 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 +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More

Hi,

Since you will be the sole owner of the new property, only your income will be used for loan assessment.

May I know your requirements? I would be able to add value to your property purchase.

This platform does not allow me to contact you directly so kindly contact me at
https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

Testimonial from Satisfied Clients
-- My husband and I wish to commend the sincere attitude and good customer service rendered by
your staff Jenny, who handled the sale of our 5R HDB flat early this year. We have met several
agents but none as genuine as Jenny. Being a seller agent, she took our interest at heart in handling
the sale, unlike other agents who are self-interest. Jenny is punctual and prompt in the whole
dealings and we were convinced that such an agent is hard for find nowadays. Jenny is a
trustworthy, honest, sincere and hardworking agent. We are happy with her service and would
gladly recommend her to our friends in future. Jenny is an asset to Propnex and the organisation
should value her. Thank you Jenny for her efforts--
Mr and Mrs Soo (HDB seller)

--Jenny is very committed and responsive to her clients and she has spent hours updating them and
looking out for great deals and even tailor-made property proposal geared towards their needs. Will
certainly refer her to others and will definitely approach her again in her future--
Nick and Kim (New launch buyer)

--Jenny did a great job helping my wife and I sell our unit. She took active steps to walk our
neighbourhood to understand what she was marketing. During the marketing period, she managed
potential buyers and provided timely updates and recommendations so we could stay on top of the
process. Overall, Jenny was professional and helped us to achieve a positive result which we are very
thankful for--
Aaron ( HDB seller)

--Jenny was very passionate and went the extra miles to help. Thanks to her professional advice and
recommendations, I had finally found my dream home--

Yvonne (New launch buyer)

--Appreciate Jenny's clear and prompt communication style with us and other stakeholders. She was
also patient and client-centered throughout the process of finding a home that met our criteria. As a
first-time home buyer, we appreciate how she went out of her way to explain the process and answer questions we had--
Samantha (Resale condo buyer) Read More

Hi,

1) TDSR is calculated based on the borrower's income only.
2) If you are the only owner of the condo, then it is obviously calculated based on your income only.

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

Hope the above answer your main concerns, but if there are more queries, 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
https://www.linkedin.com/in/ckling/

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Any response to our answer does not reach us.
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