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Hi, appreciate your sharing. Best to consult a banker to assist you on the home loan and monthly breakdown. Can I get them to contact you ?
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

Hi Sir,

Yes, it is possible to secure a bank loan for your home purchase, subjected to your income and credit assessment. Monthly mortgage installments can be paid using both you and your wife's CPF-OA too. Your bank loan will be tied to the property you purchase, under joint loan, not individual.

As for CPF Housing Grant, you may be eligible for "half-grant" if your Wife is considered a first-timer and had not gotten any previous subsidized flat. It will not be the full grant as you're considered SPR.

Have you gotten your HFE approval letter? If yes, and they specified full grant as per the amount, it probably means both of your have a Singaporean child?

Do contact me for further in-depth discussion, I will be able to assist and hand-hold you for your flat purchase.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More

Hi Elvis,

1) Taking a loan from the HDB or the bank does not affect the housing grant eligibility.
2) The housing grant is dependent on the average household income and the combination of the application.
3) If both of you are the owner, the mortgage will be shared between both of you. This is also not tied to the amount of shares you own. Meaning that you could have 50/50 mortgage sharing but the property share could be 60/40.
4) You will have to decide on this when engaging with the banker.
5) Usually, people will opt for the HDB loan since the interest rate now is lower compared to the bank rate (2.6% vs. 3.5%).
6) Not sure why you are inclined to take a bank loan for the mortgage.

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

Hope the above answers your main concerns, but if there are more queries, 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

Note:
Any response to our answer does not reach us.
The best way to get a follow-up is to WhatsApp or email us directly. Read More

Hi Elvis,

In order to utilise CPF funds for the financing of the home loan as well as being a co-borrower, you will need to be a co-owner of the property. For housing grants, it will be dependent on your household income and should be reflected in the HFE.

Regards,
Geryl Lim Read More

Hi,

If you are the occupier and your wife is applicant, the bank will only access the loan eligibility based on your wife's income.

Hope this helps,

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

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Samantha (Resale condo buyer) Read More

Choosing between an HDB loan or bank loan doesn't affect your eligibility for housing grants. It depends on your income and application type.
Whoever is listed as the owner on the flat will share the mortgage responsibility, regardless of ownership share percentage.
HDB loans currently offer lower interest rates than most banks. Consider this when choosing your loan. Read More

I am Sorry that This platform does not allow me to direct contact you.

To further assist you, please feel free to contact me via WhatsApp at 9856 9255  or through this link: https://wa.me/6598569255.

My services come with no obligations, and I'm here to help with any questions or assistance you need.

You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

For buyers, I offer solutions for sourcing resale and new private homes at no charge.

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

I also have partners to assist with mortgage home insurance matters.

Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

You can reach me at my Singapore mobile: +65 9856 9255  or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT ：）

“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

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