AskGuru Q&A Community

Hi,
If you plan to purchase two properties, you got to purchase the HDB flat first, under the SC name. Then, upon 5yr MOP completion, you can use the other spouse's name to purchase the private apt/condo. There is no other option unless you prefer to purchase two private properties under different names.

So, I suggest you work on this ASAP as with time, property prices are going up n up!

Please contact me so that I can be of further assistance.
Cheers!

Elan Govan
MABA (Lancaster)
 90170747 
jayelan@gmail.com
www.goodpropertiesguide.com Read More

Hi there, you will be able to purchase a HDB with the SC/foreign spouse scheme as Owner/Occupier. Do need that both will be subjected to the MOP of 5 years before you will be allow to purchase your second property, either in SC name as second property or your foreigner Spouse as their first. the other thing to take note would be the ABSD that may be applicable for foreigner or the SC second property.
Do drop me a text or call for a more detailed discussion in order for me to better advice on how to best proceed.
Thanks and Regards
Rix Jim
 9687 1379 
PN Read More

Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, in this case the HDB purchaser name can only be SC while the foreign spouse is under essential occupier.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

My Answer with regards to your Question:

you can first purchase an HDB flat under the SC/foreign spouse scheme with the SC as the owner/occupie rAFTER completing the 5-year Minimum Occupation Period (MOP),

- - I am Happy to Help with No obligations! If you have any more questions or need assistance, FEEL GOOD to let me know. I am here for You! Cheers :)

Able Toh-ERA, Singapore Mobile :( +65) 9856 9255 

—————————

(PART 2 OF 2)

2 CHOICES Highly Recommended for you!

(1) GOOD CHOICE: CONNECT with me at:

Able Toh-ERA, Singapore Mobile :( +65) 9856 9255 

OR

(2) WISE CHOICE : SAVE my name and mobile for your FUTURE Real Estate Needs for Your OWN NEEDS or REFERRAL NEEDS : Your FAMILY /FRIENDS NEEDS ( As I try my best to PRO a network of Professionals such as lawyers , Mortgage bankers or Home insurance specialist or partnering with other co-broke property agents ) to make property Purchase / Sales / Rent a TIME & EFFORTS SAVING Journey For You :)

Please Choose and Hopefully you DO IMPLEMENT :)

Final Note: For BUYERS: SOLUTION for sourcing of RESALE and NEW PRIVATE Home such as Condominium or Landed properties. Represent you as BUYER > Currently there will be No FEES / Commission Charged to you. (If required a fee for some situations, I will discuss further and seek your approval first) Read More

Straight Forward answer:
1.Buy HDB then Private Residential:
You can buy under the SC name & foreign spouse will be as an occupier. Both the names will need to serve out 5 years MOP before you can proceed to buy a private residential under either SC or foreign spouse name.
Do note that for foreign spouse to purchase a private residential, ABSD will be payable. For SC, ABSD payable for 2 property.

For further clarification or queries, please kindly contact me.

Call or text for a non-obligatory consultation discussion to know more. Let’s start your journey to your dream home today!

Best Regards,
John Lai
“Right Believing, Right Living”
PropNex Associate Director
(M): 8444-0899 
Email: johnlaiproperty@gmail.com

Self introductory video - https://youtu.be/yygkGSG4Mtw

Social Media -
FB: facebook.com/johnlaiproperty
IG: @johnlaiproperty
Tiktok: @johnlaiproperty
YouTube: @johnlaiproperty Read More

Yes they can, but there is a certain set of procedures to follow based on the existing regulations, where they can purchase the HDB flat first, fulfil the MOP and the foreigner spouse purchase a private property, where Additional Buyer's Stamp Duty will be applicable based on the prevailing rates. Hope this helps.

I have been in the real estate business since 2009, with more than 14 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 9,400 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Associate Group Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

-----

Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore

Pick up knowledge, skills and Real Estate concepts at https://www.facebook.com/RealEstateXcellence/

New Singapore Expatriates on facebook is up and running. Come join us at https://www.facebook.com/groups/newsgexpats/

-----
Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Hi, appreciate your sharing. Able to purchase HDB first and await 5 years later MOP then purchase a private property.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

Hi Alex,

You will have to purchase the HDB as a married couple, with SC as the owner , and foreigner spouse as essential occupier. Both will have to fulfil the MOP of 5 years before they are eligible to purchase the next residential property. During this MOP, suggest for your spouse to apply for SPR, so when the 5 year MOP is cleared, she can then purchase the private property as a 1st residential property with only 5% ABSD (as of existing regulations).

Hope the above clarifies. May I have more info and requirements about your plans so as to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Diamond Achiever

SEAA Salesperson Achievement Award 2021 (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
ERA Top 11th Achiever in June 2020 (Top 1% Company Level)
ERA Top 91th Achiever in 2nd Quarter 2020 (Top 2% Company Level)
ERA Top 15th Achiever in April 2019 (Top 1% Company Level)
ERA Top 86th Achiever in Sept 2019 (Top 2% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
Whatsapp: wa.me/6597432395
Email: Ivanng10@gmail.com
IG: instagram.com/ivanngrealtor
WeChat: ivanng10
FB: fb.com/IvanNgRealtor
Web: ivanng10.com/clientreviews
(Client's Testimonials)
CEA: R052114D

**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! **

Buyer
Mr Wang & Ms Ng : We want to convey our thanks to Ivan, who helped us find our first home. Ivan was very responsive when we first met, and took time to understand our needs and requirements for our first home. He helped us narrow down our criteria and gave us good advice on how to structure our mortgage as well. He also made a great recommendation of an area we never thought of, and it was where we eventually bought our home. We appreciate Ivan's thoroughness in pros and cons of all our options that we viewed. We never felt pressured or rushed to make a decision. In fact, Ivan gave honest and useful inputs on the considerations of acting immediately or waiting. All in all, it was a very smooth experience and we ate very happy with the unit we bought. Thank you very much, Ivan! Read More