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Hi,

Yes, this is possible. Loan is only based on the sole owner's income, and only Owner can use CPF funds to finance the HDB flat.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More

Dear sir/mdm,

As long as 1 of the party is not registered as an owner, he or she will be unable to utilise any of the CPF funds OA to finance the property, whether it is through downpayment or monthly instalments. Being a co-owner does not mean that he or she will be a borrower, but will still allow him or her to utilise the CPF funds to help finance the property. 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

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

Hi,
In this case you can apply under owner and occupant but only owner's income will be used for loan assessment and only owner's CPF can be used for monthly instalment.

Hope this helps,

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

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Samantha (Resale condo buyer) Read More

Hi, appreciate your sharing. Only the person who apply the loan is able to pay using the CPF OA.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

(PART 1 OF 2)

My answer with regards to your Question:
In Singapore, when applying for an HDB flat, the terms "owner" and "occupier" have specific meanings:

1. **Owner:** The person(s) listed as the legal owner(s) of the flat.

2. **Occupier:** The person(s) who will be living in the flat.

If one party is working full time and the other is currently not working, they can still apply under the owner and occupier scheme. However, there are some important points to consider:

- **Ownership:** The owner(s) should typically be the one(s) with a stable income and financial capacity to support the mortgage.

- **Occupancy:** Both parties can be listed as occupiers, and the couple can live together in the flat.

- **CPF Deduction:** Monthly payments can be made using the Central Provident Fund (CPF). The CPF of the owner(s) can be used for mortgage payments. The non-working occupier's CPF cannot be used for mortgage payments.

- 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)

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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 :)

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