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Hi,

I'm assuming you are an SC for the following responses:

1) You are eligible to buy an HDB flat under Single Citizen Scheme if you buy before you are married.
2) You may also buy an HDB flat under the non-citizen spouse scheme if you buy after married.
3) The difference is your bf needs to sell his overseas property under (2).
4) There is no restriction to buy a private residence whether you buy before or after marriage.
5) But the buyer stamp duty will be different.
(a) Buy before marriage, you + your bf will incur additional buyer stamp duty (ABSD) of 30%.
(b) Buy after marriage, you + your spouse will not incur any ABSD because this will be classified as your matrimonial home.

Hope the above answer 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

You may text 9620 0827  for a casual chat.

Warmest regards

Gavin Read More

Hi Mdm,

You can purchase a private property with your name alone or together with him (without the need to pay ABSD) because it will be considered as your matrimonial property. However, if you were to purchase a HDB under the non-citizen spouse scheme, your boyfriend will become the essential occupier of the house and he will need to sell off his overseas property.

Please feel free to contact me so that I can understand your intentions better and provide you with further assistance.

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS)
Cert-in-REA
(E) nick96444854@gmail.com
SEAA Salespersons Achievement Platinum Award 2020
Visit my website to know me better: www.nicktan.com.sg

I was featured recently on Council for Estate Agencies (CEA) Newsletter:
http://bit.ly/CEAnews

I have written a guide on buying Residential Property:
http://bit.ly/buypropertyguide

Testimonial from Satisfied Clients
“Nick is a responsible, efficient and excellent salesperson. He has very good knowledge of the real estate market and I benefited a lot from his advice and sharing. He is extremely patient when guiding me through the buying process and I am happy to secure a dream house within my budget with his assistance. A highly recommended salesperson who made my house hunting journey a breeze.”
Ms Chia (Buyer)

“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.”
Susana (Buyer)

“Nick is very pro-active in helping us to resolve whatever questions and problems that we encountered. All the issues are settled even before us having to request or ask for a second time. He was very frank and transparent with all the details, limitations and advantages that we wouldn’t have known. I think this is the most important virtue to be successful in this line. I will surely recommend him to anyone who needs his service because I trust that they will be equally satisfied!!”
Mr and Mrs Chan (Sold and Bought a property through Nick)

“We are very grateful to Nick for his extensive marketing efforts. With his comprehensive marketing plan, he helped us to achieve a record selling price within 2 weeks of listing our property for sale! We highly recommend his service to anyone who is keen to sell their properties.”
Mr & Mrs Wong (Property Seller)

“Nick has conducted himself ethically and professionally when handling the sales of our property. Thanks to his patience and perseverance, we managed to secure a sales price beyond our expectations.
We are very happy and satisfied with his services and will definitely recommend him to our friends and family in the future.”
Mr & Mrs Tan (Seller of Inter-Terrace House) Read More

Hi Ms,

If you are a Singapore Citizen, you can purchase the HDB flat before you get married under Single Scheme. He can keep his overseas property after you get married.

If you purchase the HDB flat after you get married, it will be under "Non-Citizen Spouse Scheme", and you will need to include your husband as an essential occupier of the flat. This means that he will have to dispose off his interest in all private properties (local and overseas) latest within 6 months upon the HDB flat purchase.

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 9748 6305  . I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More

Hi
If you choose to purchase a HDB resale after getting married, you will need to purchase under non-citizen spouse scheme. Under this scheme, only you will be named as the owner while your spouse will be an occupier since HDB does not allow a foreigner (except for SPR) to be named as an owner. In addition, your spouse would need to disposed off his overseas property within 6 months after you have purchased the HDB as he is deemed to be an essential occupier. To avoid such complications, it is advisable if you purchased a HDB as a singles before getting married. You will be able to enjoy singles grant and your spouse won't be required to dispose off his overseas property even after getting married to you. If you choose to purchase a private property, you may do so just like any other Singaporean couples. Your spouse will be able to be a joint owner and ABSD will be remitted (matrimonial house IRAS apply exemption on SC/FR couple) which means there will not be any additional buyer stamp duty incurred. I am specialised in both HDB and private property. Do contact me at 93375051  for a free and non obligatory discussion on this.

Regards
Taufik Hussein
CEA REg No: R061607B
ERA Realty Network Pte Ltd
Contact No: 93375051  Read More