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Hi,
The best way to find out is to apply for the HFE. HDB will let you know what grants and loans you will qualify for. You can then, decide what next to do.

Please contact me so that I can be of further assistance.
Cheers!

Elan Govan
MABA (Lancaster)
 90170747 
jayelan@gmail.com
www.goodpropertiesguide.com Read More

Good morning,

do you have the cash on hand to top up for the difference in your ideal 5rm?

If based on an income of $3k, your eligible HDB loan amount might be up to $190k. Along with any eligible housing grants and your OA on hand, you will need to top up in cash.

Hope my sharing aids in your property needs. Do contact me if you need any assistance.

Best regards,

YT Tan
Property Kaki
You dream. I create. We make it happen!

Association of Chartered Certified Accountants Graduate
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Hi, appreciate your sharing. Best to check with banker base on your current income and age how much you are able to loan, before determine your maximum purchase price.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

Loan for 1M resale flat with income below 3k and OA below 55k is unlikely. Consider HDB loan eligibility requirements and explore other options like building CPF savings or waiting for income to rise.

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!

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Hi,

$1m will be too heavy for you at this moment.

My suggestion is to apply for HFE first to know exactly how much loan you can take, what grants you can get etc so that you will have a better understand of your financial situation before your purchase:)
https://homes.hdb.gov.sg/home/landing
Hope it 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

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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Samantha (Resale condo buyer) Read More

Hi,

1) With monthly income of $3k, your maximum loan is estimated to be around $170k.
2) From the current listing on a 5-rm HDB flat, the cheapest is $468,888.
3) So it means that your downpayment is $93,777.60. Buyer stamp duty is $8,666.64. Legal fees ~$1,000
4) Your initial downpayment will be $468,888 - 170,000 = $298,888.
5) Your cash + CPF must have $298,888 + $93,777.60 + $8,666.64 + $1,000 = $402,332.24.
6) The above did not take into consideration the caveat fees, survey fees, valuation, resale application, agent fees, etc.
7) If your target budget is buying a $1M flat, then you have to add in the difference. Note that buyer stamp duty would be $24,600 instead of $8,666.64
8) Since your loan is estimated to be $170k, your monthly installment would be $771 only.
9) It is the initial payment that is worrying and not the monthly mortgage payment.

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

I 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 Read More

Don't think you will get sufficient loan of for the purchase if your existing funds is restricted to your CPF OA, unless you have significant amount of cash on hand to top up the shortfall.

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!

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Hi, the loan amount is very dependent on your income and your current income will not be able to fetch such a high loan amount, if you are interested to purchase a flat, you can firstly go apply for a HFE, and from there see what options are available for you.

If you require any assistance and wish for me to be part of your home purchase journey, you may contact me to know more.

Landon Chew
ERA Realty Network Pte Ltd
 97396040 
landonchew@email.com Read More

Hi,

Unless you have alot of Cash for your downpayment, I think it will be difficult for you to commit to such a pricy HDB flat.

My advise is to apply for your HFE. You will have a clearer idea on your purchase.

I am experienced and well-versed in 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

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155 .
Hope to hear from you soon.
Pei
Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd

https://linktr.ee/peiproperty
https://r011838b.propnex.net Read More

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