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You will only be eligible to apply for HFE, after you are officially married (ROM) under the foreign spouse scheme as the fiance/fiancee scheme is only applicable for SC/SPR couples. In addition, if you are below 35 years old, your spouse must have a valid+ Long Term Visit Pass or Work Pass of at least 6 months from the date of issue at the time you submit your application to buy a resale flat as per extracted from HDB website.

Hope this helps you plan out and revise your timeline if required.

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.

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Geryl Lim
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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 
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Hi, appreciate your sharing. Best to settle the LTSP soonest and proceed with HFE application to work out your budget.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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Stewart-PropNex Read More

Hi,

You can only apply the HFE letter after she has obtained LTVP status and you guys have officially attain married status (ROM), because only then you are eligible to buy under the non-citizen spouse scheme. The other issue I foresee is the private property she owns. She is probably below 55 years old, so it means a 15-month wait out period after selling before she can be included as an essential occupier for this application (you most likely have to appeal this for a waiver with HDB but it may not be easy to get).

The final way is to buy under single singaporean citizen scheme when you turn 35 years old, but that will mean to hold off on the marriage plans for the time being.

Hope the above clarifies. May I have more info and requirements about your plans so as to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
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Hi Sir,

As you're below age 35, you can only apply for HFE to purchase a HDB resale flat with her after you have ROM, under Non-Citizen Spouse Scheme. Do take note that as a foreigner, she cannot own the HDB flat. Hence, it will be under sole owner, with her as the essential occupier. This means that your loan assessment will be based on your sole income only.

Another thing to note, as she currently own a private property overseas, she will not be eligible to be listed as the essential occupier until she has sold off the property and serve a 15-month wait out period. Is there any reason why she is holding back the sale till June 2024?

Otherwise, you can wait till after your birthday in Sept 2024 to purchase the resale HDB flat under Single Scheme. This will mean that you will need to delay your ROM till after you complete your HDB flat purchase, probably after December 2024/January 2025.

Alternatively, you can look for private residential instead, where both of you can co-own the property, and where loan assessment will be based on both your incomes.

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
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