Me and my husband are planning to sell our 2-bedroom condo (freehold, 3rd floor, 53 square metre, vibes@kovan) at Kovan road, which TOP is end 2015. SSD not incurred if our cando can be sold after Jan 2015.
As we are considering to seek bigger residential space, after selling condo we would like to buy a resale 4-room HDB. We preferred those not very old resale HDB: if 5yrs plus but less than 10yrs would be better, like in Punggol / SengKang area.
Currently we are living in a rental HDB. My husband is SC, I'm SPR.
Could you assist us on the following questions -
1) Is it possible to sell our condo within 6mth at a very reasonable price, as we know current real estate market climate is not so good.
2) As a seller also a buyer, how's commission applied to our case
3) Our plan is to sell condo first and buy a resale 4-room HDB, how much cash need being prepared
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Me and my husband are planning to sell our 2-bedroom condo (freehold, 3rd floor, 53 square metre, vibes@kovan) at Kovan road, which TOP is end 2015. SSD not incurred if our cando can be sold after Jan 2015.
As we are considering to seek bigger residential space, after selling condo we would like to buy a resale 4-room HDB. We preferred those not very old resale HDB: if 5yrs plus but less than 10yrs would be better, like in Punggol / SengKang area.
Currently we are living in a rental HDB. My husband is SC, I'm SPR.
Could you assist us on the following questions -
1) Is it possible to sell our condo within 6mth at a very reasonable price, as we know current real estate market climate is not so good.
2) As a seller also a buyer, how's commission applied to our case?
3) Our plan is to sell condo first and buy a resale 4-room HDB, how much cash need being prepared?
Posted by Mrs. Bella Lew on Aug
2, 2014 in
| 851 Views
Present Pang
Answer Posted on Apr 19, 2016
Dear Sir/Mdm,
Good day to you! I understand your concerns. I would be more than happy to assist you in selling the unit. Feel free to give me a call at
or email me anytime for an non obligatory discussion. Hope to hear from you soon!
Warmest Regards,
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Answer Posted on Aug
Hi Mrs Lew,
You may wish to approach this sales and purchase 1 step at a time under current market sentiments. Especially so if your project is only expected to TOP in end 2015, buyers may just hold on and wait for project to TOP before making a decision to purchase unless there is a strong and compelling reason for the buyer to do so with the flurry of supply in this market. I don't like to paint a bright and rosy picture in order to encourage clients to list with me but rather give you a realistic scenario. I have recently sold a condo unit in Woodlands within 2 weeks where both seller and buyer were happy with the arrangements and pricing, therefore at the end of the day, it will boil down to price. Let me know what are your thoughts about this sale and the magic figure you are considering.
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Answer Posted on Aug
Good Day Madam,
It will be our pleasure to assist you in this juroney. We have recently completed a similar assisgnment with good success. As of the recent transcation, you will be looking at about $1400psf for your condo.
I do look forward to hearing from you soon so that we can sit down and work out a detailed plan on how we can move ahead.
Thank you.
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J.A. Goh 吴永益
Answer Posted on Aug
Hi Mrs. Lew, as you are still subject to SSD till Jan 2015, my suggestion is to market the unit sometime in the Q4. If you got an offer that is too early, it is of no used too as you won't want to go ahead with the Option.
Ideal is market it sometime in Oct 2014. Engaging same agent for sale and buy you can discuss with the agent for a discount package. I do not see a problem for you getting a resale HDB as you should be having a positive sale for your condo. I would be glad to serve you and help you to get a good offer for your condo. Please drop me an email with more details on your condo. I will do my best for you. Best Regards, J.A.Goh, ERA, HP: , Email: .sg
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Angela Chua 蔡斯淇
Answer Posted on Aug
Hi Mrs Bella,
If you are looking to sell your unit at a reasonable price, I don't see why it is not possible to do it within 6 months. The commission payable can be discussed. I can do a financial calculation prior to your purchase.
Feel free to contact me for further discussion.
Thank you.
Angela Chua
Propnex Realty Pte Ltd
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YT Tan 陈永达
Answer Posted on Aug
Good evening Bella,
To add on, if you sell your Vibes @ Kovan first, you will be considered purchasing your first property (resale HDB) thus you won't be subject to ABSD of 5% as IRAS will treat this purchase as your matrimonial home because one of you is a SC.
And of course you are allowed to sell off your private property anytime before TOP, we call it subsale.
Hope to hear more from you so I can assist you with your property needs.
Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
ECG Property Pte Ltd
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YT Tan 陈永达
Answer Posted on Aug
Good afternoon Bella,
I will request bank indicatives from three banks (UOB, DBS and OCBC) to check what's the market valuation for your property first and do you mind sharing with me what's your very reasonable sale price in mind.
As for commission basis, normal standard commission for sale will be 2% of sale price plus 7% GST while for purchase is 1% of purchase price plus 7% GST. But nevertheless we can discuss on it further, no worries. Main objective is to obtain an ideal sale price and home for your family.
And lastly, the initial cash outlay will depends whether which type of loan you are taking?
If you are taking HDB loan, you can obtain up to 90% and the downpayment can be paid fully by CPF (cash if shortfall).
If you are taking bank loan, you can obtain up to 80% and the downpayment will be 5% cash and 15% CPF (cash if shortfall).
Other minimal cash outlay will be legal fees (depends HDB or private), valuation fee, resale submission fee etc.
Do get in touch with me so I can further advise you especially for
your financial planning.
Hope to hear from you soon!
Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
ECG Property Pte Ltd
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KARRIEN N. CHAN
Answer Posted on Aug
Good day Mrs. Bella Lew,
Congratulations on your property investment in 2011 which will soon reap you a good return in just 4 years.
You have experienced first-hand how property investment when done with careful planning is low risk yet high return. Please do not stop here. Please allow me to share how many others before you have gone on to be successful property investors and can comfortably enjoy their retirement years with peace of mind.
Meet me for a friendly exchange at any place to your convenience. I shall share with you better property investment options that fulfil all your requirements and will list down all the financial costs for different options for your comparison. Your Interest Is My Priority.
Thank you and Warm Regards,
Karrien N. Chan
CEA Reg. No.: R052532H
Mobile: +65 822 50 212
Email: karrien.
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Answer Posted on Aug
Hi Ms. Bella, would be great if I could update you with a report on vibes@kovan which also displays the nearby comparable prices of other projects, allowing you to have a good estimate of the exit price.
You can discuss with your family first and I will be glad to share my opinion.
As mentioned, our commission rates are tied to performance, and for your buying transaction you need not pay commission. Purchase of HDB will require 20% downpayment if you're considering bank loan, and also stamp duties of 3% if you qualify for ABSD remission.
As mentioned, it is ideal if we can do a meetup, with all calculations clarified on the spot. Thanks I look forward to understand your needs better.
Warm regards,
Ivan Ng ERA
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Answer Posted on Aug
Morning Bella,
With the slide in demand of the resale private property, selling within your unit within 6 months, for a reasonable market price is still possible. The current estimated pricing is at around $1450/sqft. Based on your case, buying of HDB resale and selling private through the same agent, I would be glad to work something out for you, on the commission payable. As you are selling your condo first, preferably after Jan 2015, you will only need to prepare the legal fee payable for sales and 20% down payment for purchase of resale HDB unit upon getting 80% loan from bank. Not forgetting the standard stamp and legal fee for purchase.
If both of you are PR, you will also need to prepare 5% ABSD payable.
Do feel free to contact me for further discussion.
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Answer Posted on Aug
Hi Bella, I am sure you have a lot of doubts in mind. It will be good to have a meet up session together with your husband so to address all the questions. I can show you the estimated financial calculation on the spot to let you have an idea.
I can be reachable at my mobile.
Vestor Realty
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