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Hi Edmund,

If you have some other cash funds on hand, you can use to bump up your bank loan through a show funds method. To buy 600k property you probably need another 100k loan extra. If you can pledge some funds as fixed deposit or show funds, it is possible to bump up the loan amount.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
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Hi,

You can consider pledging or showing extra funds to boost your loan size.

1. **Pledge:** You lock in some cash with the bank for 48 months.Your money still earns interest, and you get the loan boost you need.

2. **Show Funds:** Alternatively, you prove you have extra cash to increase your loan amount.

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--
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--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--
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--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--
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Samantha (Resale condo buyer) Read More

Hi Edmund,

The financial frameworks are put in place to reduce the chances of buyers overstretching themselves financially for any property purchase. Home buyers who are looking to increase their loan capacity after exhausting their TDSR will likely go into asset based lending where they make use of existing investments like stocks or bonds or foreign currently to prop up their loan numbers, or use existing cash to do so, which in this case, I suppose if you have this amount, you would have used it for the shortfall.

You may wish to borrow from parents or family members in this case to make up for the shortfall, as borrowing from financial institutions will likely affect your home loan numbers too. If all else fails, maybe you should look into somewhere not so central instead. Hope this helps.

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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To qualify for a bigger loan, you can either pledge cash to the bank for 4 years (earning interest while it's locked in) or simply show funds by proving you have the extra cash readily available. Both options increase your borrowing power. >> U MAY PM ME >> I CAN HELP LINK UP WITH BANKERS,
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Hi Edmund

Perhaps I can assist you in your home hunting process and the financing portion, you may contact me via Whatsapp 91890029  for the next steps. Hope to hear from you!

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