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Hi, this is a little tricky for your current situation. As you have taken two housing subsidies before, the only option for you is to take a loan from the financial institutions, which might also be limited due to your existing loans. Will strongly advise you to get a HFE done along with the IPA option in it to see what is loan amount available for you. Are you going to get any sales proceed from this current house? Otherwise it might be a little difficult.

Hi, hopefully you managed to get your doubt or query answered. If so, then congrats! Hopefully you are doing well now.

If you are currently or planning to find a property agent, I can assist.

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If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.

Landon Chew
97 39 60 40
landonchew@email.com Read More

Hi,
Sorry to hear about your current situation. Going forward, though your options are limited, you can either buy resale HDB or a condo. It all depends on your needs and wants. But, you need to time your selling of the current flat and the next purchase correctly. I can assist you with that.

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, appreciate your sharing. Have to await completion done, seek help from HDB or MP
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) 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, may I know how long more to MOP?

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

Hi,

Firstly are you already 35 years old and singaporean citizen? If so, once the divorced status is legally confirmed after final judgement court order, you can apply for resale HDB under the single singaporean citizen scheme. Otherwise you can also go for private property although it could be a challenge as you will need cash funds as well.

After you get married with your foreign spouse, you can also buy under the non-citizenship scheme although she can't be the owner of the HDB as a foreigner, only occupier. You can only apply bank loan since hdb loan has been used up twice.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

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If you have enjoyed 2 subsidised housing and HDB loans before, you will only be eligible for resale units. As for loan, you can check with banker to work out the numbers. HDB rental scheme is unlikely as they are for the low income families. You may try to rent in the secondary market in the meanwhile.

——

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.

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1. Your current situation is a bit complex since you've utilized two housing subsidies before. This means your best option now would be to consider a loan from financial institutions, but keep in mind that your existing loans may limit this.

2. I recommend getting a HFE assessment along with an IPA to understand the available loan amount for you.

3. Are you expecting any sales proceeds from your current house? This could impact your next steps significantly.

4. While your options may be somewhat limited, you can still choose between buying a resale HDB or a condo, depending on your preferences and requirements.

5. It’s important to coordinate the timing of selling your current flat and purchasing the next one, and I’d be happy to assist you with that.

6. Just to clarify, are you already 35 years old and a Singapore citizen? Once your divorce is finalized with a court order, you’ll be eligible to apply for a resale HDB under the single Singaporean citizen scheme.

7. Alternatively, you could consider private property, but be prepared for the need for cash funds as it might pose some challenges. Let me know how I can help you further!

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