What happens when you engage my service?
By leveraging my 18 years of experience, I can assist you throughout the entire home buying process, from determining your financial capabilities to finding the right property and ultimately securing ownership. My previous clients who have engaged me as their buyer agent have expressed gratitude for my guidance and support.
While purchasing an HDB or private property may appear straightforward for some, others may benefit from the assistance of a realtor who can analyze factors such as price, growth, and capital appreciation to identify good buying opportunities. I am happy to provide my expert opinion to help you make a well-informed decision.
Do Your Home work! Do Your Sums!
It is crucial to keep in mind during any property acquisition that the procedures and guidelines differ between purchasing an HDB and a private residential property. Making an error in this regard can result in significant difficulties and daily stress, which can be avoided by taking the necessary precautions.
Prior to making a deposit, it is imperative to have this as it will enable you to determine your budget, the amount of cash and CPF required for the initial down payment, and the long-term monthly installments. This is a crucial step that should not be overlooked.
HDB Loan VS Bank Loan VS No Loan
HDB Flat Eligibility (HFE)
To purchase a HDB flat using an HDB loan, prospective buyers must acquire a HFE prior to submitting an Option Fee, as mandated by current HDB regulations.
Bank Loan ( Letter of Offer)
Prospective buyers may request a Letter of Offer from the bank, along with the valuation outcome, after placing an Option to Purchase.
No Loan ( Full Cash /Full CPF or Mixed)
If a buyer intends to purchase an HDB flat using full cash, a valuation is not mandatory, although it remains an option. However, if the purchase involves partial CPF, a valuation is mandatory.
Clients Feedback From The Past
Joseph really is not just a good realtor, but he's the best! He really gives his frank opinion! I almost bought the wrong property and he saved me from making one of the worst decisions in my life!
Buyer 3rm HDB Sengkang
Purchasing my first HDB flat was an anxiety-inducing experience for my wife and me, as we were unsure of what to expect. Fortunately, my father, who had engaged Joseph's services previously, recommended him to us. I am delighted that we took his advice, as Joseph's guidance made the entire process smooth and effortless. He was a great buyer agent for us.
Mr Dinie & Ms June
Buyer 5rm HDB in Punggol
My family have engaged Joseph as our family realtor. We have sold and buy through him 4 times since 2008! From our small humble house in Sengkang to a Landed property, we have always placed our trust in him as he puts our best interest at heart!
Mr & Mrs Song
Buyers Cum Sellers
Joseph is an expert in his field and possesses a wealth of knowledge. His extensive experience as a buyer, having transacted several times, has given him the ability to time my sale and purchase to perfection. Thanks to his expertise, I did not have to move to interim lodging during the transition.
Mr & Mrs Rahim
Buyer 5rm HDB Punggol