Please note that CPF monies can only be used subject to the Bank's approval. Please consult your Banker on this point. If you use your CPF monies to finance your purchase, you must obtain a Letter of Approval from the CPF Board. Please note that the CPF Board requires proof of relationship if you buy residential properties in joint names. After making your CPF application, see your Banker.
Banks have different loan policies.
You should therefore confirm with your bank the actual amount that it is prepared to lend you. At the same time you should be aware of the other terms in the Bank's letter of offer. Non-Singapore citizens wishing to buy landed property must apply to the Controller of Residential Property for permission. However, you are free to choose any lawyer you wish. The option gives you the sole right for a limited period, usually 2 weeks, to buy the house.