18/08/2026
🏠 Check the valuation gap before you offer
A home can feel “within budget” until the valuation comes in lower than the purchase price.
Before offering, check:
✅ 1. Asking price ≠ valuation
Your loan or CPF usage may be based on the bank/HDB valuation.
✅ 2. The gap may need more cash
Protect your renovation, moving and emergency buffer.
✅ 3. Don’t stretch just to win
The purchase should still let your family sleep well.
✅ 4. Set your walk-away number early
Decide your maximum price and cash gap before emotions take over.
✅ 5. Think about future exit
The next buyer or valuer may not agree with what you pay today.
💬 My practical view: Get the home without damaging your cash buffer and future options. Sky and I prefer a calm numbers check before anyone becomes emotionally attached.
Want a clear affordability and valuation-gap check before committing?
🌐 https://sgdereklim.com
WhatsApp 8189 8778
CEA R026753A
