AskGuru Q&A Community

Good day to you.

You are looking to buy a resale 3-room HDB flat with 2 bedrooms that is under 8 years old, located within the Tampines area.

Do you meet HDB's eligibility criteria, and have you submitted your HFE Letter for evaluation?

If you require help moving forward, I would be happy to assist you.

Navigating a property transaction can be complex, especially with major life events. As a seasoned property consultant with 15 years of experience, I provide informed guidance on complex property matters.

I assist my clients with -
Divorce: Providing guidance for property settlements and achieving a clear outcome.
Estate Planning: Simplifying the process of planning for the future or handling inherited property.
Complex Situations: Offering support for cases involving Power of Attorney, bankruptcy, and other challenges.

For informed guidance along your property journey, you can schedule a free consultation to discuss your specific needs via -
Mobile: 96929209 
email: m52i@yahoo.com

For more property insights, follow my short videos here: https://www.youtube.com/@SGHomeCompass Read More

Sure can you drop me a message so I can share with you some options?

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Hi, appreciate your sharing. Have you done your HFE ?
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

If you want to move from a 3-room to a smaller 2-bedroom in Tampines (flat built within the last 8 years), here’s what to know and what I’ll do to help.

Key things to consider
• Supply in Tampines. Newer 2-bedroom resale units in Tampines are limited compared with older stock. Expect fewer choices, so speed helps when a suitable unit appears.
• Remaining lease. For CPF usage and financing, check remaining lease. Banks and HDB both look at lease left; ideally have at least 60 to 70 years left for long-term flexibility.
• Eligibility and grants. If you currently own a subsidised flat or used CPF/grants before, resale levy rules may apply when you buy another subsidised flat. For most resale purchases there’s no resale levy, but it’s worth checking your past subsidy status.
• Financing. HDB loan vs bank loan: HDB loans have stricter loan limits but simpler approval for eligible buyers. Banks may give higher LTV but need income proof and servicing capacity. I’ll run both options for you.
• Price expectations. Newer 2-bedroom resale units command a premium. Set realistic budget after viewing comparable recent transactions.
• Renovation & space. A 2-bedroom will feel smaller; plan layout and storage early so you don’t overpay for renovating later.

Practical next steps (what I’ll do for you)
1. I’ll shortlist available 2-bedroom resale flats in Tampines under 8 years old that match your budget and must-haves.
2. I’ll check recent transaction prices and valuation estimates so you know a fair offer range.
3. Arrange viewings and advise on negotiation strategy to get the best terms.
4. Run quick financing checks (HDB vs bank) so you know how much you can borrow and the cash needed at exercise of option and completion.
5. Help with paperwork and timeline so the sale and purchase align smoothly.

If you want, I’ll start looking tonight and send 3 matching listings with asking price, estimated market value and quick notes on pros and cons. Say the word and I’ll get cracking.

Aren Goh, PropNex
 9657 6701  Read More

Buying a Resale 3-Room HDB in Tampines – Key Points:

(✔1) Eligibility Check: Ensure you meet HDB criteria and have submitted your HFE Letter for evaluation.

(✔2) Supply in Tampines: Newer 2-bedroom resale flats are limited; act quickly when a suitable unit appears.

(✔3) Remaining Lease: Check the years left on the lease; ideally 60–70 years for CPF usage and financing flexibility.

(✔4) Grants & Resale Levy: Review past subsidy use; resale levy may apply if you previously used grants.

(✔5) Financing Options:

HDB loan – stricter limits, simpler approval for eligible buyers.

Bank loan – higher LTV possible, requires proof of income and servicing capacity. I can compare both for you.

(✔6) Assistance Available: I can guide you through search, evaluation, and financing options to secure your ideal flat.

✔ “The secret of getting ahead is getting started.” – Mark Twain ✔
WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

----------------------------888--------------------------------888--------------------------->>>

(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here:

✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255 

***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!

*** Connect Singapore Line: (65) 9856*9255

FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

NEW Launches Condominium in 2025 , call , whatsapp me FOR BEST CHEAPEST, LOWEST PRICE:

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N3.Canberra Crescent Residences – Canberra Crescent, D27 | OCR | ~6 min to Canberra MRT (NSL)

SOUTH Region //

S1.UpperHouse @ Orchard – Orchard Boulevard, D10 | CCR | Direct link to Orchard Boulevard MRT (TEL)

S2.Zion Residences – Zion Road, D9 | CCR | ~4 min to Great World MRT (TEL)

S3.Promenade Peak – Zion Road, D9 | CCR | ~5 min to Havelock MRT (TEL)

S4.Robertson Opus – Unity Street, D9 | CCR | ~7 min to Fort Canning MRT (DTL)

S5.River Green – River Valley Road, D9 | CCR | ~5 min to Great World MRT (TEL)

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E1.Arina East Residences – Tanjong Rhu Road, D15 | RCR | ~3 min to Katong Park MRT (TEL)

E2,Amber House – Amber Gardens, D15 | RCR | ~10 min to Tanjong Katong / Marine Parade MRT (TEL)

E3.Mori @ Guillemard – Guillemard Road, D14 | RCR | ~8 min to Mountbatten MRT (CCL)

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W1.LyndenWoods – Science Park Drive, D5 | RCR | ~5 min to Kent Ridge MRT (CCL)

W2,Bloomsbury Residences – Media Circle, D5 | RCR | ~8 min to one-north MRT (CCL)

W3.Faber Walk GLS – Faber Walk, D5 | RCR | ~10 min to Clementi MRT (EWL)

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O4.The SEN – De Souza Avenue, D21 | OCR | ~8 min to Hillview MRT (DTL)

O5.Skye at Holland – Holland Drive, D10 | CCR | ~6 min to Holland Village MRT (CCL)

O6.Margaret Drive GLS – Margaret Drive, D3 | RCR | ~5 min to Queenstown MRT (EWL)

QUOTE OF THE DAY " In negotiations, the m Read More

There aren't that many units available in Tampines given that most HDBs are of older age now in Tampines and the newer 3rm flats in Tampines does not account to high proportion of the newer flats. Have you already made any arrangements to view and also have you already applied for your HFE?

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market. Check out the EdgeProp featured article on myself recently at https://www.edgeprop.sg/property-news/geryl-lim-leading-landed-real-estate-heart-hustle-and-harmony

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 15,900 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
Deputy Branch 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

-----

Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

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Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore

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New Singapore Expatriates on facebook is up and running. Come join us at https://www.facebook.com/groups/newsgexpats/

-----
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,

1) It is important that you apply for an HFE first to check how much you could loan and grants available.
2) This is so that you could plan your budget accordingly.
3) A 3-room flat at Tampines less than 8 years old will be asking $630k or more dependent on the level, facing & intensiveness of their renovation.
4) Let me help to give a list on how a prelimiary budget can be made:
(a) Purchase price = $630k
(b) Loan (75%) = $472.5k (this is assuming you are able to get a maximum based on your family current income.
(c) Downpayment:
(i) if using HDB loan (2.6%) = $157.5k (CPF and/or cash)
(ii) if using bank loan ( Read More

Buying a Resale 3-Room HDB in Tampines – Key Points:

(✔1) Eligibility Check: Ensure you meet HDB criteria and have submitted your HFE Letter for evaluation.

(✔2) Supply in Tampines: Newer 2-bedroom resale flats are limited; act quickly when a suitable unit appears.

(✔3) Remaining Lease: Check the years left on the lease; ideally 60–70 years for CPF usage and financing flexibility.

(✔4) Grants & Resale Levy: Review past subsidy use; resale levy may apply if you previously used grants.

(✔5) Financing Options:

HDB loan – stricter limits, simpler approval for eligible buyers.

Bank loan – higher LTV possible, requires proof of income and servicing capacity. I can compare both for you.

(✔6) Assistance Available: I can guide you through search, evaluation, and financing options to secure your ideal flat.

✔ “The secret of getting ahead is getting started.” – Mark Twain ✔
WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

----------------------------888--------------------------------888--------------------------->>>

(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here:

✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255 

***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!

*** Connect Singapore Line: (65) 9856*9255

FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

NEW Launches Condominium in 2025 , call , whatsapp me FOR BEST CHEAPEST, LOWEST PRICE: Read More

Hi!
Feel free to contact me, I’ll be more than happy to understand your situation and see how I can assist you. :)

Regards,
Shermaine Koh
 89806938 
shermainekoh94@gmail.com Read More

----------------------------888--------------------------------888--------------------------->>>

(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here:

✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255 

***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!

*** Connect Singapore Line: (65) 9856*9255

FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

NEW Launches Condominium in 2025 , call , whatsapp me FOR BEST CHEAPEST, LOWEST PRICE: Read More

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

----------------------------888--------------------------------888--------------------------->>>

(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

WhatsApp me at: ✔✔ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here:

✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255 

***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!

*** Connect Singapore Line: (65) 9856*9255 Read More

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More