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Hi Kally,

If there is still sufficient time, you may want to approach the bank directly to get a loan as it may be faster.

Please feel free to contact me if you need any further assistance.

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

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Selling our house was a pretty stressful ordeal, as we have already committed to buying our new home and hence have a timeline to meet. Losing a substantial deposit and worse still, not getting our dream home caused many sleepless nights as we are nearing our deadline. I am very glad we have decided to switch to Nick and seek his help after the dismal performance of our first agent. Not only is Nick very patient in explaining things to us, time and time again he gives us reassurance to allay our worries. And he walked his talk.
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Thank you very much once again Nick, for this smooth transaction!
Judy Rong (Seller) Dec 2023 Read More

So far I have no such encounters, but it could be helpful to find out more on what can be done in this case if you do not have the necessary cash on hand for the payment.

——

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.

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Warmest regards,
Geryl Lim
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Email: geryl.lim@orangetee.com / geryl7772@gmail.com
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Hi, didn't encounter such a case as of now, but best to check what the issue is, and what to do if insufficient cash on hand, as this is a very weird situation to be in.

Hi, hopefully you managed to get your doubt or query answered. If so, then congrats! Hopefully you are doing well now.

If you are currently or planning to find a property agent, I can assist.

If you are interested in prices of houses in your neighbourhood, you may visit this website to find out more or contact me.

https://www.era.com.sg/R064892F

If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.

Landon Chew
97 39 60 40
landonchew@email.com Read More

I understand how frustrating and stressful this situation must be. Here's what you can consider and do in this case:

1. **Clarify the Reason and Request Documentation:** Ask your mortgage specialist for a clear explanation of why they are unable to issue the Letter of Instruction (LOI) on time. It’s important to get this in writing so you have a record of the issue.

2. **Request a Timeline Extension or Alternative Payment Arrangements:** If you're unable to pay the amount in cash right now, explain your situation and request an extension or alternative payment method (such as re-allocating CPF for the payment). The bank may be able to work with you, especially if they caused the delay.

3. **Contact the Bank’s Customer Service or Senior Officer:** If you don’t get a satisfactory resolution, escalate the matter to the bank's customer service or ask to speak to a senior officer. They may have more flexibility to address the issue and ensure your payment is processed without additional strain.

4. **Explore Temporary Financing Options:** If cash is absolutely necessary and you cannot pay immediately, you may want to consider alternative financing options, such as personal loans, short-term credit lines, or other forms of emergency financing until your CPF can be used.

*"In the middle of difficulty lies opportunity." – Albert Einstein*

Hopefully, this helps you navigate through the issue more effectively!
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