AskGuru Q&A Community

Hi,

I will be glad to do a detailed financial planning with you on how to approach this upgrading plans. From the limited info shared, I'm thinking a 4-rm around 400k seems like something you can explore, but it also depends on how much loan you can take. But do note" you have to sell away your 3-rm flat within 6 months of key collection to the 4-rm as one can only own one HDB at any one time. May I know which location is this unit? Thanks and hope to assist further.

Warm Regards,
Ivan Ng ERA ASAP
(ASk Anything Property)
Proactive. Sincerity. Feedback.
SMU BBM (Finance), Magna Cum Laude
Email: Ivanng10@gmail.com
Contact: (+65) 97432395 
CEA Registration Number: R052114D
ERA Realty Network: L3002382K
Facebook Page: www.facebook.com/ASAProp
Website: http://www.ivanng10.com/#!reviews/c11r1
(Client's Testimonials) Read More

Good morning buyer,

May I know which are your preferred location for your purchase?

Whether you can purchase a 4RM or 5RM will highly depends on how much loan do you want to obtain and which location do you want to purchase?

If let's say you take a max $150k loan for 10 years, your budget might be around $500k thereabout with all your CPF OA funds and available housing grants.

Probably you can share more information with me so I will be in a better position to advise and assist you further.

Hope to hear from you soon!

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
Vice President (Agency)
R043025D
Property Avenue Pte Ltd
Estate Agent no. L3010650D
Blk 420 North Bridge Road #03-30 North Bridge Centre S188727

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com
(W): www.propertyavenue.com.sg Read More

Afternoon,

Firstly, we will need to know how much you unit can be sold for. Then we will need to know how much loan HDB can provide for you, based on your age, income and credit status, as HDB loan can only be stretched till age of 65, or 25 years, whichever is shorter.. Lastly, we will need to work on the estate, sizing, condition and requirement on your purchase. With all this data in hand, we can then work out something more to your affordability.

Do contact me should you require my services.

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

Hi

It would seem that there is a possibility to buy into a HDB 4 Room. However, there are some questions which need to be answered before moving ahead.

You can either write to gavin.ng@orangetee.com or call 9620 0827  for a chat.

Regards
Gavin Read More

Good evening,

To have a detailed financial plan for you, I will need these information:

1) Sale
- your unit address to estimate the sale price

2) Purchase
- need you to apply HLE to find out how much HDB loan can you take.

I estimated that you might be able to take up $150k loan for 10 years based on your current income but it will be in your best interest to obtain a formal HLE.

In addition, if you are looking at HDB in mature estate/ centralised locations with $500k budget, I think you will only be able to afford a 4rm flat.

Probably you can get in touch with me via email or mobile so we can discuss further and propertyguru doesnt prompt me when theres any reply to my post.

Hope to hear from you soon!

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
Vice President (Agency)
R043025D
Property Avenue Pte Ltd
Estate Agent no. L3010650D
Blk 420 North Bridge Road #03-30 North Bridge Centre S188727

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com
(W): www.propertyavenue.com.sg Read More

Hi,

Re: Our Preferred Experienced SG Realtor

It best to consult our pool of experienced bankers to guide you in financial planning for your next property purchase.

Call us now, we can explore further in detail.

We are contactable at 92222389  or onassis@sgrealtor.com.

In all Areas of Singapore. Sale/Buy/Lease/Rent, Please call and/or drop me an email me. I’m always at your Services.

Onassis Gan | R021244C | CES Certified SG Realtor l SGRealtor.com
EXPERIENCED. PROACTIVE. SINCERITY. FEEDBACK
ACTA (Full); PDCE (Singapore); MSc BIT(Middlesex); BBA (South Australia)

Featured Realtor Services recognition by SGReview.com and SGBride.com

Singapore Line : (+65) 92222389 
Malaysia Line: (+60) 111-0788889
Email: onassis@sgrealtor.com
Skype: incomecare

Our Clients' Success Is Our Success
“Clients’ always at ease putting their properties with us”

Our SG Realtor Services Youtube
Residential- https://www.youtube.com/watch?v=3kI2tBtopuM
Commercial- https://www.youtube.com/watch?v=ELAXddJ6nEk

Daring to invest on SG branding portals give us an edge advantages in reaching out to consumers'.

Upcoming 2016, we are in the progress to create property portals to serve our SG clients better.

www.HiSingapore.com –Singapore Housing and Commercial Property Guide
www.Listing.sg – SG Properties Listings
www.CommercialSingapore.com – Commercial Listings
www.SGHouses.com – Residential Listings
www.Showsuite.com – SG Developer Projects Listings

SG Commercial Websites
www.SGCBD.com
www.CBDSingapore.com
www.SingaporeCBD.com
www.SgOfficeRental.com
www.SgShophouse.com

SG Landed Houses Websites – www.LandedGroup.com
www.SGGCB.com
www.SGBungalow.com
www.SGDetached.com
www.SGSemiD.com
www.SGTerrace.com
www.SGCluster.com

SG Districts Websites
www.BukitTimah.com.sg
www.Holland.com.sg
www.MarineParade.com.sg
www.sentosaisland.com.sg

Overseas Website
www.NewLaunch.my - Malaysia
www.PropertyPh.com - Philippines
www.VNProperty.com - Vietnam Read More