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Your stamp duties will still be based on $1m in this case. Impact will be negative to the project that you are buying as there will be such a record on low price that has been transacted. Read More

Hi, appreciate your sharing. It depends what the final transacted price, best to follow current market pricing as require to pay IRAS for the stamp duty.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, the impact would not be much and meanwhile if you do need a loan, then you may want to consult a mortgage broker first to check out the interest rates of various banks.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Hi Wei,

1) You may do an IPA first to understand what is your current lending power based on your income.
2) You can return to the same bank that gave you an IPA that could cover the loan amount with the issued OTP.
3) Legally, there is nothing wrong with buying a property under market value. But I won't know which authority will question whether there is any foul play in the transaction.
4) You may consult with a conveyance lawyer over this.
5) Because since your relative is able to refund all his CPF + accrued interest, this is almost like a gift rather than a sale.
6) So the lawyer is in a better position to advise whether you should do it over a sale.
7) But beware that if this is done via a gift method. Your relative's creditor can crawl the property back within 3 yrs if he went bankrupt.

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Hope the above answer 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.

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Ling CK
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
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