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Good morning Nich,

Let me assist you with your query.

As a SPR household purchaser, your initial outlay will be as such if you are able to obtain a 80% bank loan:

1) 5% cash downpayment
2) 15% CPF OA funds or cash downpayment
3) estimated 3% buyer's stamp duty
4) 5% additional buyer's stamp duty
5) $2k legal fees
6) $200 valuation fee
7) $80 resale application
8) $500 stamp duty for mortgage
9) agent commission (1% of purchase price)

Hope my explanation helps!

Since you will be fulfilling your 3 years SPR status in April, you might want to consider to start househunting just after chinese new year (1 to 2 months before). Once you are find an unit that you like, you can ink on the OTP straightaway on the date of 3 years SPR fulfillment.

I had assisted a couple of SPR buyers last year. To kick start the process, probably let my bankers advise you on your in principle approval first and share with me your preferred location and requirements so I am able to shortlist units for your viewing.

Hope to hear from you soon!

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
Vice President (Agency)
R043025D
Property Avenue Pte Ltd
Estate Agent no. L3010650D
Blk 420 North Bridge Road #03-30 North Bridge Centre S188727

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com
(W): www.propertyavenue.com.sg Read More

Hi,

Typical breakdown for SPR buyers:
Cash 5%
CPF 15%
Max bank loan 80%
Stamp duties + legal fees 8% approx
Hdb admin fees 300
Agency commission 1%+GST
COV (if any)

May I know your requirements? Thanks and hope 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 
CEA Registration Number: R052114D
ERA Realty Network: L3002382K
Facebook Page: www.facebook.com/ASAProp
Website: http://www.ivanng10.com/#!reviews/c11r1
(Client's Testimonials) Read More

Hi Nich,
The total down payment for the purchase is min 20%. The major cost include,
- 5% cash downpayment
- 15% CPF OA funds or cash
- 3% stamp duty
- 5% ABSD
To fully understand the cost payment, the time frame, the procedures, and the purchase details, kindly drop me an email for me to share.

I am contactable at my mobile or email.

CK Ang
 9046 3808 
res.ckang@gmail.com Read More

Hi,

Re: Our Preferred Experienced SG Realtor

Which area of HDB you are keen? Pls note the ABSD is 5% for SPR.

Call us now, we can explore further in detail.

We are contactable at 92222389  or onassis@sgrealtor.com.

In all Areas of Singapore. Sale/Buy/Lease/Rent, Please call and/or drop me an email me. I’m always at your Services.

Onassis Gan | R021244C | CES Certified SG Realtor l SGRealtor.com
EXPERIENCED. PROACTIVE. SINCERITY. FEEDBACK
ACTA (Full); PDCE (Singapore); MSc BIT(Middlesex); BBA (South Australia)

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