Hi Mrs. Chan,
1) You are eligible for an HDB flat under the Non-Citizen Spouse scheme.
2) In general if your husband is earning an income with a monthly CPF contribution. He must be in continuous employment for at least 3 months if the basic salary is fixed.
3) Since he has been working in HK, implied his income will be without monthly CPF contribution, he has to be in continuous employment for at least 6 months.
4) On top of (3), he must have good credit standing and consistent positive cash flow as evident from the bank statements for at least 6 months.
https://www.hdb.gov.sg/cs/infoweb/residential/financing-a-flat-purchase/housing-loan-from-hdb/hdb-loan-eligibility-application
5) He may put up his application on the link provided on (4) for his HDB loan.
6) Overseas income is counted for a mortgage application but properly for a hair-cut rate of 30%. Meaning only 70% of the income will be used to assess under the MSR (Mortgage Servicing Ratio).
7) A HLE (HDB Loan Eligibility letter) is valid for 6 months from the day of issue. Thus don't worry that it will expire in a short time.
8) You may submit your application via this link:
https://services2.hdb.gov.sg/webapp/BP27AWHLEApplication/BP27SHome
Hope the above answer your main concerns, but if there are more query, please feel free to contact me at
90110636
, or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.
Best regards
Ling CK
90110636
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer
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