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Hi there,

I will be able to assist you with the financial calculations for your purchase. However I require more details about both of you.

You may WhatsApp me at 94507283  for further discussion.

Gary Shien
PropNex
Associate Group Director 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.

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

Hi

For now the current option is only condo since the wait out period of 15 months is still in play due to him just sold off his condo. Resale hdb is out of the option at the moment due to the wait out period. BTO and new EC are out of the picture since the wait out period is 30 months instead of 15.

Based on the available cpf plus cash of total 400k, the max buying price to look at for private condo is approx $1.425mil as the down payment needed plus stamp duties is approx 400k. The info missing here is the income and monthly obligation installments, without which we can't estimate the loan attainable, and hence your optimal buying price.

For resale HDB, the loan attainable is typically half that of condo, as the loan amount is calculated based on stricter criteria. But you guys got to wait until Dec 2025 then can start to apply the HFE first step.

May I know your incomes and loan installments currently?

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
ERA Multiple Diamond Award Achiever

SEAA Salesperson Achievement Award (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 11th Achiever in Feb 2024 (Top 1% Company Level)
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ERA Top 11th Achiever in June 2020 (Top 1% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
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**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! **

Buyers Mr Wang and Miss Ng

We want to convey our thanks to Ivan, who helped us find our first home. Ivan was very responsive when we first met, and took time to understand our needs and requirements for our first home. He helped us narrow down our criteria and gave us good advice on how to structure our mortgage as well. He also made a great recommendation of an area we never thought of, and it was where we eventually bought our home. We appreciate Ivan's thoroughness in pros and cons of all our options that we viewed. We never felt pressured or rushed to make a decision. In fact, Ivan gave honest and useful inputs on the considerations of acting immediately or waiting. All in all, it was a very smooth experience and we ate very happy with the unit we bought. Thank you very much, Ivan! Read More

If you wish to cut the wait, you can look into purchasing a condo now, however, we will need to work out the finances for you and know what is the income to establish how much loan you can probably take for this purchase.

Given that this will be your first matrimonial home and assuming that both of you do not own any other residential properties in Singapore, this purchase will be exempted from ABSD. This is good news as it will free up more funds for you in terms of the purchase.

——

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 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
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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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

Good day to you,

Since the intention is to secure a unit ASAP, have you tried to contact a private banker to determine the loan amount both of you qualify for, as your current finances are sufficient for a 25% down payment on a $1 million purchase?

I can assist both of you to fulfill the intention.

Navigate Property Decisions with Confidence

With over 15 years of experience in Singapore's residential property sales and purchase (S&P) cases, I understand the complexities involved in the process. I aim to guide you every step of the way with clear communication, ensuring that all parties are legally represented and protected.

I offer in-depth knowledge in:
Ø Estate Planning and Distribution: Planning for the future can feel daunting. Let’s work together to create a smooth, transparent process that brings peace of mind.
Ø Divorce: Navigating property settlements during a divorce can be challenging. I provide expert guidance to help you achieve a fair and efficient outcome.
Ø And More: From Power of Attorney to navigating financial challenges, I handle various situations to address your concerns and empower you to move forward confidently.

Schedule a Free Consultation Today! Let's discuss how I can assist you in your property journey. For more informative insights, follow our short video here: https://www.youtube.com/@YourSGHomeCompass-MLnU.

Regards
Mike Lim
 96929209 
R026708F
m52i@yahoo.com
ERA Read More

Hi, good day to you.
Buying a first home is always an exciting journey, however it is still essential to get the finances and needs in place.

With your combined income and liquidity, it is possible to own a private home if you don’t wish to wait out for a resale HDB purchase due to the recent disposal of a private property.

If time permits, i will like to have non obligated session with you to share with you on all options and empower you with the knowledge to make am informed decision.

Do reach out to me at 9.8.2.1.6.8.2.9 as i am not able to contact you via this platform.

Thanks and have a nice week ahead,
Shoan Siew
PropNex
www.shoanproperty.com Read More

Hi, appreciate your sharing. Able to check with banker base on your current age and income to determine the loan to work out your budget.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

1. If you'd like to **cut the waiting time**, you can consider purchasing a **condo** now, but we will need to assess your **finances** and **income** to determine how much loan you can take for the purchase.
2. Since this will be your **first matrimonial home** and assuming neither of you owns any other residential properties in Singapore, this purchase will be **exempted from Additional Buyer’s Stamp Duty (ABSD)**.
3. The **ABSD exemption** is a great advantage, as it will **free up more funds** for the purchase, allowing you to allocate more towards your new home.

*"Success is the sum of small efforts, repeated day in and day out." – Robert Collier*

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255
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like renting / selling, buying / or investing, I'm here to help!
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QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More

hi,

Hi, to provide a comprehensive calculation, I'll need some additional details, particularly your income. With this information, I can help you determine the loan amount you qualify for, the maximum property prices for both HDB and condo purchases, as well as the breakdown of payments and monthly mortgage estimates. Please feel free to contact me—I'd be happy to assist you further!

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--
Mr and Mrs Soo (HDB seller)

--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--
Nick and Kim (New launch buyer)

--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--
Aaron ( HDB seller)

--Jenny was very passionate and went the extra miles to help. Thanks to her professional advice and recommendations, I had finally found my dream home--
Yvonne (New launch buyer)

--Appreciate Jenny's clear and prompt communication style with us and other stakeholders. She was also patient and client-centered throughout the process of finding a home that met our criteria. As a first-time home buyer, we appreciate how she went out of her way to explain the process and answer questions we had--
Samantha (Resale condo buyer) Read More

Hi Do contact me at 97970200  to understand more and discuss.

Mark, your RIGHT choice
Propnex Read More

Hi Miss,

If you're in an urgent need to purchase a home, you can only consider purchasing a resale condo, as he has not met the 15-month period. Even if he tries to appeal to HDB, that will take some time as well, and HDB may not give the green light too.

As for financial calculations, do get in touch with me, so that we can discuss it further in depth.

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, will require more information such as income from you to determine the loan amount before being able to advise better.

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

Hi,

1) The current median resale HDB price range is as follow:
(a) 3-room: $380k ~ $580k
(b) 4-room: $520k ~ $960k
(c) 5-room: $620k ~ $980k

2) You have $400k that can be used for downpayment. Therefore, it depends on your monthly income to determine how much loan you could received.

3) If both of you are first time buying a resale HDB flat, you could also apply for grants to improve your purchase budget if you meet the conditions.

4) It is difficult for me to comment whether condo is within your range without understanding your active income and requirements.

All the best!

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
https://www.linkedin.com/in/ckling/ Read More