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Hi, appreciate your sharing over PropertyGuru, able to purchase under foreign spouse scheme. Able to check with banker base on your current income what is the maximum loan to determine the final purchase price
Looking forward to assist you at WhatsApp +65 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart
PropNex Senior Associate Division Director Read More

Hi

To be eligible, you guys have to complete the ROM first to purchase under non-citizen spouse scheme.

If your total household income exceeds $14k per month, unfortunately there will be no grants available and also HDB loan will not be possible.

The attainable loan depends on your monthly income and age, as well as any monthly installments. Since only the SC can be the owner, only your income details will be recognized for loan assessment.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 home-owners to smoothly complete their housing plans over the years. Please reach out to me at (65) 9 7 4 3 2 3 9 5 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

Warm Regards,

Ivan Ng
ERA Senior Marketing Director
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Buyer Mr Wang and 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

Sure drop me a message and I can help!

I can help with grant calculations, sourcing, analysis, negotiation, financial calculations, timeline management and final paperwork. Sellers usually prefer to work with pre-qualified buyers who have agents so you stand a better chance of securing and negotiating the best deal.

I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy. I would love to schedule a free consultation to discuss your home purchasing journey.

Do reach out via my contact details below.

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

I would be glad to assist you.
Feel free to contact me at
wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

Hello and goood day!

I’ve actually recently helped one of my buyers purchase a resale HDB under a similar SC + foreign spouse arrangement.

The procedures and planning can be slightly more complex compared to a typical purchase , especially when factoring in:
• eligibility timelines
• grants entitlement
• loan assessment
• future PR plans
• ownership structure & financing considerations

There are also a few important pointers to take note of before committing, as certain decisions made at the start may affect future options and flexibility.

Feel free to reach out to me privately as this platform does not allow us to contact you.
I’ll be happy to share more in-depth based on your situation and walk you through. :)

Cheers,
Shoan
 9821 6829 
PropNex
Social @shoanproperty Read More

✔1 Before looking at properties, check your financing eligibility with a banker first. Your loan amount will determine the budget range you can comfortably consider.

✔2 To buy under the Non-Citizen Spouse Scheme, your marriage must be officially registered before the purchase can proceed.

✔3 If combined household income is above $14,000 monthly, HDB grants and HDB loan options will generally not be available.

✔4 Loan assessment is based on the Singapore Citizen owner's profile, including income, age, and existing financial commitments.

✔5 Planning ahead is important, as factors such as eligibility periods, financing arrangements, ownership setup, and future PR intentions can influence your available choices later on.

✔6 It is advisable to review the full picture before making any commitment, as early decisions may affect future flexibility and opportunities.

"The best way to predict the future is to create it." — Peter Drucker
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

-----------------------99Years------------------------999Years---------------------->>>

IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.

WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255  , Property Agent (Director ) or via this link:

https://wa.me/6598569255

Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.

✔✔✔You can READ my REVIEWS here:Able S K Toh

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

For PRIVATE HOME BUYERS

✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge

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✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255  , Property Agent (Director )

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✔✔✔查看我的客户评价：
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Good day to you.

Based on the information you've provided, you qualify to purchase a resale HDB unit under the Non-Citizen Spouse Scheme. In this arrangement, you would be the primary applicant while your partner would be considered the essential occupier.

If you meet the eligibility criteria, you're entitled to a CPF Housing Grant of $40,000, along with an additional $40,000 from the Enhanced Housing Grant. As for the loan amount you can secure, it will depend on factors like your income, credit status, and the duration of the loan.

I suggest we arrange a meeting to go over the details and help you take the next steps toward realizing your dream of homeownership.

Navigating a property transaction can feel overwhelming, especially when it intersects with major life events.
With over 15 years of experience as a property consultant, my role goes beyond market knowledge — it is to provide clarity, structure, and peace of mind through complex decisions.

I regularly assist clients with sensitive and non-standard situations, including:
• Divorce & Asset Settlement — guiding parties toward fair, practical outcomes for shared properties
• Intestate & Estate Planning — helping families navigate inherited property and future planning with confidence
• Complex Property Matters — including cases involving Lasting Power of Attorney, bankruptcy, or special circumstances

If you’re seeking clarity rather than pressure, I’m happy to have a conversation to understand your situation and outline possible next steps.

Mike Lim
CEA Reg No: R026708F | ERA
WhatsApp: https://wa.me/message/VCDD3MUYRD3JP1
Email: m52i@yahoo.com

If you’d like short, educational breakdowns on common property questions, you may also find these helpful:
YouTube: https://www.youtube.com/@SGHomeCompass
Instagram: https://instagram.com/SGHomeCompass Read More

✔1 Before looking at properties, check your financing eligibility with a banker first. Your loan amount will determine the budget range you can comfortably consider.

✔2 To buy under the Non-Citizen Spouse Scheme, your marriage must be officially registered before the purchase can proceed.

✔3 If combined household income is above $14,000 monthly, HDB grants and HDB loan options will generally not be available.

✔4 Loan assessment is based on the Singapore Citizen owner's profile, including income, age, and existing financial commitments.

✔5 Planning ahead is important, as factors such as eligibility periods, financing arrangements, ownership setup, and future PR intentions can influence your available choices later on.

✔6 It is advisable to review the full picture before making any commitment, as early decisions may affect future flexibility and opportunities.

"The best way to predict the future is to create it." — Peter Drucker
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

-----------------------99Years------------------------999Years---------------------->>>

IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.

WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255  , Property Agent (Director ) or via this link:

https://wa.me/6598569255

Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.

✔✔✔You can READ my REVIEWS here:Able S K Toh

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

For PRIVATE HOME BUYERS

✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge

✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents

DEVELOPER SALES TEAM

✔✔ BEST PRICES ✔✔ NO AGENT FEES

✔✔ LOWEST PRICE GUARANTEED

For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.

✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255  , Property Agent (Director )

✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com Read More

In terms of eligibility, you will only qualify to purchase a resale flat when both of you are married, under Non-citizen spouse scheme, given that both of you are under age 30. You will need to be aged 35 or above to purchase under single name.

In terms of loan and grants, it will hugely depend on the household income, therefore we are unable to answer this aspect other than quoting you those information that is readily available on HDB web.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market. Check out the EdgeProp featured article on myself recently at https://www.edgeprop.sg/property-news/geryl-lim-leading-landed-real-estate-heart-hustle-and-harmony

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 15,900 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
Deputy Branch Associate 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

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Hi,

1) Under your situation, you can only purchase a resale HDB flat under Non-Citizen Spouse scheme.
2) This means that you must ROM before able to apply for an HFE follow by buying.
3) Since your bf is a foreigner, it means that he cannot be an owner, Thus the home loan will be solely based on your income.

4) You are only eligible for a single citizen grant:
(a) CPF Housing grant = $40k
(b) Enhanced Housing Grant (EHG) = $2.5k~$60k in step of $250 (based on household income), you may refer to document below for detail.
https://www.hdb.gov.sg/-/media/doc/EAPG-CSC/EHG-amount-Singles.pdf?sc_lang=en&hash=8C5AD690C07437C7906CBCA4C6CA7F43
(c) Proximity Housing Grant (PHG) = $10k (within 4km),or, $15k (living together)

5) Your future spouse must be holding a Long Term Visit Pass or work pass since you are below 35 yrs old.

All The Best!!!

Hope the above answers your main concerns, but if there are more queries, please feel free to contact me at 9011*0636 or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
9011 * 0636
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/ Read More

✔1 Before looking at properties, check your financing eligibility with a banker first. Your loan amount will determine the budget range you can comfortably consider.

✔2 To buy under the Non-Citizen Spouse Scheme, your marriage must be officially registered before the purchase can proceed.

✔3 If combined household income is above $14,000 monthly, HDB grants and HDB loan options will generally not be available.

✔4 Loan assessment is based on the Singapore Citizen owner's profile, including income, age, and existing financial commitments.

✔5 Planning ahead is important, as factors such as eligibility periods, financing arrangements, ownership setup, and future PR intentions can influence your available choices later on.

✔6 It is advisable to review the full picture before making any commitment, as early decisions may affect future flexibility and opportunities.

"The best way to predict the future is to create it." — Peter Drucker
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

-----------------------99Years------------------------999Years---------------------->>>

IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.

WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255  , Property Agent (Director ) or via this link:

https://wa.me/6598569255

Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.

✔✔✔You can READ my REVIEWS here:Able S K Toh

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

For PRIVATE HOME BUYERS

✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge

✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents

DEVELOPER SALES TEAM

✔✔ BEST PRICES ✔✔ NO AGENT FEES

✔✔ LOWEST PRICE GUARANTEED

For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.

✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255  , Property Agent (Director )

✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com Read More