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Hi, appreciate your sharing. Able to submit your latest pay slip to appeal.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

My Answer with regards to your Question:

If you've received your HDB Loan Eligibility (HLE) letter and the loan amount offered is lower than what you need, you may consider appealing to request a larger loan amount. Here are steps you can take to appeal for a higher loan:

Review Your Finances: Before appealing, thoroughly review your financial situation. Make sure all your income sources and financial commitments are accurately reflected in your HLE application.

Prepare Necessary Documents: Gather supporting documents to strengthen your appeal. This may include recent payslips, income tax assessments, bank statements, and any other relevant financial documents.

Understand HDB Loan Criteria: Familiarize yourself with the eligibility criteria for HDB loans, including income ceilings, loan tenure, and other factors that may affect your loan amount.

Write an Appeal Letter: Craft a well-written appeal letter addressing your financial circumstances, the reasons why you need a higher loan amount, and any extenuating circumstances that may have affected your initial loan assessment. Be clear, concise, and polite in your communication.

Provide Supporting Evidence: Attach supporting documents that demonstrate your ability to repay a larger loan amount. This could include evidence of stable employment, additional sources of income, or any significant changes in your financial situation since your initial application.

Submit Your Appeal: Submit your appeal letter and supporting documents to HDB through the appropriate channels. You may need to visit the HDB Branch Office or submit your appeal online through the HDB website.

Follow Up: After submitting your appeal, follow up with HDB regularly to check on the status of your appeal. Be prepared to provide additional information or documentation if requested by HDB.

Consider Alternative Financing Options: While waiting for the outcome of your appeal, explore alternative financing options such as bank loans or financial assistance schemes offered by other agencies.

Which area you are referring to??

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

You can reach me at https://wa.me/6598569255.

I am Happy to Help with No obligations! If you have any more questions or need assistance, FEEL GOOD to let me know. I am here for You! Cheers :)

See my REVIEWS here: (Just need to Copy and Paste the link)

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

Final Note: For BUYERS: SOLUTION for sourcing of RESALE and NEW PRIVATE Home such as Condominium or Landed properties. Represent you as BUYER > Currently there will be NO FEES CHARGED TO YOU/ FREE SERVICE.

Singapore has hovering over 30000 licensed agents for the last 10 years as property agents come and go .And in my opinion, property guru is the most effective marketing platform this season in Singapore

So, what’s the odd / chances that 2 complete strangers get to link together by property guru ?

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!

ABLE Toh-ERA, Singapore Mobile :( +65) 9856 9255  “ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me Read More

My Answer with regards to your Question:

If you've received your HDB Loan Eligibility (HLE) letter and the loan amount offered is lower than what you need, you may consider appealing to request a larger loan amount. Here are steps you can take to appeal for a higher loan:

Review Your Finances: Before appealing, thoroughly review your financial situation. Make sure all your income sources and financial commitments are accurately reflected in your HLE application.

Prepare Necessary Documents: Gather supporting documents to strengthen your appeal. This may include recent payslips, income tax assessments, bank statements, and any other relevant financial documents.

Understand HDB Loan Criteria: Familiarize yourself with the eligibility criteria for HDB loans, including income ceilings, loan tenure, and other factors that may affect your loan amount.

Write an Appeal Letter: Craft a well-written appeal letter addressing your financial circumstances, the reasons why you need a higher loan amount, and any extenuating circumstances that may have affected your initial loan assessment. Be clear, concise, and polite in your communication.

Provide Supporting Evidence: Attach supporting documents that demonstrate your ability to repay a larger loan amount. This could include evidence of stable employment, additional sources of income, or any significant changes in your financial situation since your initial application.

Submit Your Appeal: Submit your appeal letter and supporting documents to HDB through the appropriate channels. You may need to visit the HDB Branch Office or submit your appeal online through the HDB website.

Follow Up: After submitting your appeal, follow up with HDB regularly to check on the status of your appeal. Be prepared to provide additional information or documentation if requested by HDB.

Consider Alternative Financing Options: While waiting for the outcome of your appeal, explore alternative financing options such as bank loans or financial assistance schemes offered by other agencies.

Which area you are referring to??

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

You can reach me at https://wa.me/6598569255.

I am Happy to Help with No obligations! If you have any more questions or need assistance, FEEL GOOD to let me know. I am here for You! Cheers :)

See my REVIEWS here: (Just need to Copy and Paste the link)

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

Final Note: For BUYERS: SOLUTION for sourcing of RESALE and NEW PRIVATE Home such as Condominium or Landed properties. Represent you as BUYER > Currently there will be NO FEES CHARGED TO YOU/ FREE SERVICE.

Singapore has hovering over 30000 licensed agents for the last 10 years as property agents come and go .And in my opinion, property guru is the most effective marketing platform this season in Singapore

So, what’s the odd / chances that 2 complete strangers get to link together by property guru ?

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!

ABLE Toh-ERA, Singapore Mobile :( +65) 9856 9255  “ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me Read More

Hi Yonghoo,

HLE is based on income and age, thus unless you are able to adjust your income upwards, I do not see any chance for your loan to be increased. You may try looking to secure the loan with a bank to see if there will be any difference?

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!

Warmest regards,
Geryl Lim
Associate Group 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

-----

Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore

Pick up knowledge, skills and Real Estate concepts at https://www.facebook.com/RealEstateXcellence/

New Singapore Expatriates on facebook is up and running. Come join us at https://www.facebook.com/groups/newsgexpats/

-----
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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

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255
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(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here:
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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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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