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Hi Sir

I can connect you with bankers to check on this

I am well versed in HDB and Private Property transaction and have done many transactions
Appreciate if you can contact me at (65) 9 6 6 0 8 5 0 8
or click here https://wa.me/6596608508 to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9 6 6 0 8 5 0 8
Email: Silviayang8@gmail.com Read More

Hi

You can consider to go with 2 applicant, 1 borrower arrangement for this purchase. However, not all banks are ready to support such a structure, and the loan amount depends on your info details as well.

Your mum has to be included in the family nucleus as well, and all have to hold SPR status for at least 3 years, and do not own any other residential property. Have you applied for your HFE letter?

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. Please reach out to me at 97432395  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 Realtor
ERA Senior Marketing Director
ERA Multiple Diamond Achiever

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Good day to you.

I trust that you have secured your HFE, so it's time to focus on the finances before moving ahead. As the main applicant with a strong credit record, the bank will still evaluate the co-owner's credit status before granting approval for the pro-rated loan.

Since both of you are SPR, keep in mind the necessity to set aside funds for the ABSD and down payment. If you need a banker to guide you through the next steps or someone to help you achieve your goal of homeownership, don’t hesitate to give me a call.

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

First, you need to determine your eligibility to purchase a resale HDB in this case, if you are able to, perhaps you may consider taking up the loan as sole borrower if it fits the financial considerations and see how it goes. Read More

Have worked with similar cases in the past, do drop me a note and I can share more about how to go about it.

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.

Feel free to message me through whatsapp or email 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

✔1 Two applicants one borrower loan may be possible but depends on bank approval.

✔2 Mother must be part of the family nucleus and all applicants must be SPR for three years with no other property.

✔3 HFE letter application is required to confirm eligibility.

“Patience and careful planning bring the best outcomes.” — Confucius
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

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