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I’m a 35 year old single Singaporean looking to buy a HDB flat.

I’m not employed in Singapore since four years ago as I’m self-employed for a family business in Malaysia. The company is registered solely under my mother’s name, who is a Malaysian.

Understanding that it is not possible to get loan from HDB, my only option left is bank loan, which is extremely difficult too because technically I’m no owner of the business, and I do not draw salary like an employee, and hence no official pay slip. Neither do I have sufficient value of assets in Singapore to pledge nor show.

I hope to get sound and professional advice on how to increase my chance of securing a loan, if possible. Thank you.
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3 Answers

Dear sir/madam,

You can actually use your income tax statement as income proof to secure home loan.

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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.

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Robbie Chen Chee Howe
Hi,

If you do not have sufficient income to secure a satisfactory loan, you could still consider another option of pledging/unpledging some funds to supplement the loan or make up for the shortfall.

It is advisable to speak to a banker on this. I can introduce you to my banker and he will be able to assist you in your loan matters.

I am experienced and well-versed in both private and HDB resale transactions. I will be able to assist you in your home purchase. 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 9748 6305  . I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More
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OHMYHOME PTE LTD
Greetings from Ohmyhome!.

We are able to assist you on this matter.

For more information, kindly contact us at 68869009  or WhatsApp us at 97551009  .

Richmond Chia
Senior Advisor
Ohmyhome Pte Ltd Read More
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