Hi,
1) First you have to check on your budget:
(a) HDB loan: Submit an HLE application; https://services2.hdb.gov.sg/webapp/BP27AWHLEApplication/BP27SHome#
(b) Bank loan: Consult a conveyance bank for an IPA.
2) Once you confirm how much financial assistance you can receive, check your saving and CPF OA to determine which is more suitable for your current situation.
3) You will know where you stand upon completion of the above exercise.
4) Now look at your needs, you need the accommodation immediately or you can afford to use the time to minimise initial payout for the purchase.
5) BTO obviously is the cheapest way to get your accommodation except the ballot + waiting time could be around 7~9 years.
Hope the above answer to your main concerns, but if there are more query, 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
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