Message us via WhatsApp to start the initial conversation. One of our team members will help to assess your eligibility to buy, buying budget, grants as well as options available for you. One of the basic components of buying your first home is to check your loan eligibility. To qualify for a housing loan, you will need to have pay slips and CPF contributions (for employees). If you are self-employed, your IRAS Notice of Assessment (NOA) will be required, among others. The next step may be an explanation or discussion over the phone, or a consultation in person or via video call.

This will be tough as the lender (HDB or bank) will require proof of employment and earning capacity before they can grant you a loan.

Situation A: If you are in a single-income household, with one spouse not employed, one of the ways to get a stronger HLE is for the other spouse to gain employment. The increased household income will help you get a higher HLE, which can hopefully be sufficient for you to buy a flat. The other way is for the employed spouse to get a higher paying job. Situation B: If you are a single buyer, it is not uncommon to have cash top-ups to the monthly repayment. To eliminate or reduce this, you might have to look for a cheaper flat (if possible). Else, you might want to consider applying for a BTO flat. If your HLE is not currently sufficient to buy a flat, you might want to apply for a BTO flat, grow your CPF/ cash savings, or unfortunately have to wait for prices to cool down.

There are three housing grants available. (i) The Family Grant, aka First Timer Grant: $50,000 for 4-room flats and smaller; $40,000 for 5-room flats and bigger. The Singles Grant is half of the above: $25,000 and $20,000 respectively. (ii) Enhanced Housing Grant: up to $80,000, subject to a monthly household income cap of $9,000. EHG for single buyers: up to $40,000, subject to a monthly income cap of $4,500. (iii) The Proximity Housing Grant (PHG) is the only one where second-time buyers are still eligible to apply. If you are buying a resale flat to live with or near your parents/ child, you may apply for the following Proximity Housing Grant (PHG): $30,000 to live with your parents/ child $20,000 to live near your parents/ child (within 4km) For single buyers, the amount is halved - $15,000 and $10,000 respectively.

Risdian Isbintara’s Buyer Agent Fees is 1% + GST. Our professional team will be there every step of the journey, from the initial Consultation and loan application, right to the end – the Completion and handover. Buying a property is likely the biggest and costliest purchase in your life. Let a professional take care of it so as to make sure your home buying journey is enjoyable and smooth.

For the purchase of a resale private property, there is no Agent Fee payable by the buyer. As your Buying agent, Risdian Isbintara will collect a shared commission from the Seller Agent.

For the purchase of a new launch private property, there is no Agent Fee payable by the buyers. As your Buying agent, Risdian Isbintara will collect a commission from the developer.

Get in touch with me and I will make an appointment for your visit to the showflat(s). Risdian Isbintara will represent you on an exclusive basis - our team will appoint the right experts in your preferred project(s), and will map out all the various options available for you. We will assist and guide you until you successfully secure your next home.

Message us via WhatsApp to start the initial conversation. Do share with us your property type and location. The next step may be an explanation or discussion over the phone, or a consultation in person or via video call.

All Risdian Isbintara’s Consultations are free-of-charge and non-obligatory. We usually recommend that Selling Consultations be done at the property itself, to allow Risdian to have an assessment of the property. This will allow our team to plan the most marketing strategies for your property. If this is not possible, we can meet at a separate venue, or via a Zoom teleconference, whichever is most suitable.

Risdian’s area of focus is in sale and purchase of residential properties. This includes: HDB Flats Executive Condominiums (EC) Private Condominiums New Launch Condominiums (direct from developers) Landed Properties

With over a decade of real estate experience, Risdian is adept at handling all types of residential real estate transactions, such as: Sell and Buy – Upgrade to Bigger HDB Flat Sell and Buy – Upgrade to Private Property (EC, Condo, or Landed House) Sell and Buy – Downsize to Smaller Property Sell and Buy – Move to Fully Paid Property Sell and Buy for Clients Above 55 Years Old (CPF Retirement Sum) Sell Only – Awaiting BTO Keys Sell Only – Move Overseas Sell Only – Move with Children Sell Only – Other Reasons Buy Only – First-time Buyers (Singles/ Couple/ Family) Buy Only – Single Parent Buy Only – Blended Families Buy Only – Other Scenarios Administrator/ Faraid cases Divorce cases Pre-divorce cases Power of Attorney (POA) Lasting Power of Attorney (LPA) Missing Spouse

Most times, our fee to market and sell a property is 2% + GST. This includes all advertising and production costs. Excluded fees include administrative HDB payments, like submission fees, caveat fees etc. In the event that extra marketing tools are required, for example, Home Staging, this will be a separate cost.

All properties marketed by Risdian Isbintara are on exclusive basis. As our team provides a thorough and free Consultation, as well as our Dynamic Marketing strategy, there is heavy investment on our part to ensure we get the right price and the right buyers for each property that we market. An exclusive is a symbol of our common and mutual commitment, as we partner together in this property journey and ensure we get the best outcome possible for you, our clients.

This depends on many factors, e.g. the market condition, estate, location, age of flat, floor, size, layout, price, and renovation of the unit. Most flats tend to sell within three months. Some might take a little longer, perhaps three to six months. More challenging units, for instance, those that face Ethnic Integration Policy (EIP) quota restrictions might even take over a year to sell. Usually, within one month of marketing, we should be able to tweak some of the marketing strategies to help sell the property.