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Good morning Vincent,

You can purchase HDB resale unit under non-citizen spouse scheme, provided your income does not exceed S$6k. Maximum housing grant available would be S$25k. As for how much is required for down payment, we would need to know how much CPF OA you have, how much loan you are eligible for and the loan period.

Do feel free to contact me for further discussion.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More

Hi,

I see your concerns, below are the straight answer to your questions:
(i) You may purchase both resale or BTO HDB under Non-citizen spouse scheme.
(ii) If you are using HDB loan, the available grants are such: Proximity ($20k) + NCS ($25K) for 4-room & below.
If you are eligible for the above grants, you may purchase a flat up to $450k. And need not fork out any cash.
But beware that seller will properly grant an OTP with option fees of up to $1k + exercise fee of $5k.
Estimated loan amount: $405,000
Repayment period: 25 years
Interest rate of loan: 2.6%
Esitmated monthly instalment = $1,838

Hope the above answer to your main concerns, but if there are more queries, please feel free to contact me at 90110636  , or email: ling.ck7@gmail.com for more information.
I'll be glad to assist.

Best regards
Ling CK Read More