How we help · Buying
Buying with REALTANG.
From figuring out what you can buy to choosing what you should buy.
The buying journey
Seven stages we work through with buyers.
Tap any stage to see what we actually do there.
01Financial position
What the bank will lend you and what you are comfortable carrying may be very different numbers. We work through both, along with what you want left over afterwards.
02Priorities
If you are buying together, you each rank separately first and then we compare. Sometimes you are more aligned than you expected. Sometimes you are not, and that is far easier to work through now than at the fourth viewing.
03Options
We do not force every buyer through every option. Which of these are genuinely open to you depends on eligibility, budget, timeline and what you need the property to do.
04Shortlisting
We compare projects, stacks and layouts, including sun, privacy, usable space, condition and what else is competing nearby.
05Property assessment
06Offer and negotiation
Before deciding what to offer, we look at past transactions, current competition, valuation and what we can understand about the seller's position.
Then we consider both price and terms. Timeline, conditions, certainty and flexibility can all affect how an offer is received.
07Completion
The unglamorous part, and where avoidable problems tend to show up if nobody is watching the sequence.
The part nobody shows you
Most people picture buying a home like this.
And yes, all of that matters. But by the time we're arranging serious viewings, quite a lot should already have been worked out.
What we're already thinking for our clients
Five things in our planning before and around the search.
What can you afford comfortably?
- Cash and CPF
- Loan and stamp duties
- Reserves
- Comfortable monthly commitment
What actually matters?
- What is fixed, and what can move
- What matters most
- Where two buyers' priorities may differ
Which routes are genuinely open?
- HDB, EC where eligible
- Private resale or new launch
- Continuing to wait or search where appropriate
What needs to happen first?
- Financing, valuation and sale proceeds
- Transaction sequence and key dates
- What happens if an assumption changes
What happens after you secure the property?
- Lawyers, payments and inspections
- Handover and moving arrangements
- Temporary accommodation or lease arrangements where required
Financing
Making the numbers work in real life.
Sometimes the property works on paper but the loan, CPF, sale proceeds and completion dates still need careful coordination. Where needed, we work alongside bankers and conveyancing lawyers to confirm what's actually possible before you commit.
