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Hi;

If your name is also under Applicant, then yes you can obtain a loan for the new house.. But if you are only an Occupier, then unfortunately you wont be able to do so as you are not the owner of the property. Hope tis helps..

Regards;
Lyna Song
 9623 8442 
Associate Group Director
Propnex Realty Pte Ltd
lynasong@hotmail.com
https://r025113i.propnex.net Read More

Hi, if you are not an applicant but only an occupier, then you can’t apply for any loan in that case.

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

Hi,

1) Only owner is eligible to apply for housing loan be it HDB loan or bank loan.
2) In your situation, you may consider to apply as owner, rest of family; parents & younger brother to be occupier under public scheme.
3) However, be mindful that you are using up your 1st concession loan from HDB if decided to apply for HLE. There are no limit on bank loan though.
4) Secondly, you also used up your 1st timer opportunity. Having said that if your future spouse is still a 1st timer, and you apply with your future spouse, you will still entitled to 1st timer opportunity to BTO/SBF.

Hope the above answer to 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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Hi
Before explaining further, I need to find out what do you mean when you mentioned your parents is the main applicant? Like what has been answered above, only the owner of the flat is allowed to apply for a loan. If you did apply the sales of balance together with your parents as joint owner, you will be eligible to apply for a loan jointly with them and in case your parents are not eligible for the loan, only your income will be considered in the loan assessment. I am well specialised in HDB transactions. Do contact me at 93375051  for a free and non obligatory discussion on this.

Regards
Taufik Hussein
ERA Realty Network Pte Ltd Read More

Short answer:

1) Yes you can if you are co-owners with them. (Loan)
2) Yes you can if you are co-owners with them. (Grants)

*You just need to be aware that if you get married in the future, you cannot apply a HDB with your spouse until you sell this new one. Hope it helps !

- Hakim
property@hakim.sg
 9144 9841  Read More