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Hi! I've supported many overseas Singaporeans in their home purchases back home.

My wife and I also lived abroad as overseas Singaporeans for a number of years before returning back to Singapore.

Happy to share our experience and also explain all the options and considerations. Can you drop me a whatsapp message or email via my contact 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

Hi,
As a married couple you are not allowed to purchase a HDB flat on your own. As you own an overseas property, you cannot purchase a HDB flat either resale or BTO. You need to dispose of that property and wait for 15months to buy a resale or 30 months to buy a BTO and you got to be resident in SG to do that.

My suggestion would be to sell your Australian property and rent a property before you plan to return to SG. You can time it in such a way, that it is with minimal inconvenience. I can guide you with that.

Please contact me so that I can be of further assistance.
Cheers!

Elan Govan
MABA (Lancaster)
 90170747 
jayelan@gmail.com
www.goodpropertiesguide.com Read More

Good day to you.

In the realm of HDB, married couples are viewed as a single entity, with each eligible entity allowed to possess one set of HDB property. Based on my observations, here are a few challenges:

a) The timeline for the move is not set in stone. Under the Non-citizen family scheme, you will be the property owner, while your spouse must be designated as the essential occupier. Without a steady income, you will need to liquidate assets to afford the purchase.
b) For a resale unit, if you utilize an HDB housing grant, there is a wait-out period of 30 months. In line with point #1, your husband will need to sell the unit and find a rental alternative. In contrast, for a resale unit without an HDB housing grant, the wait-out period is 15 months.
c) When it comes to a BTO unit, in addition to the 30-month wait-out period, you must also wait for a favorable ballot queue number for the estate you both want. Following that, you will have to wait for the BTO to be constructed before collecting your keys.

Let’s address these challenges one step at a time.

Navigating a property transaction can feel overwhelming, especially when tied to major life events. As a property consultant with 15 years of experience, I am here to provide not just market knowledge, but also peace of mind.
I specialize in sensitive property matters, offering expert guidance on:

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Regards
Mike Lim
Mobile: 96929209 
email: m52i@yahoo.com
R026708F
ERA

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Hi, appreciate your sharing. Require married couple and ROM certificate, at least 1 Singapore and 1 PR or 1 Singaporean. If have enough funds, you are able to proceed.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

(✔1)
As a married couple, you **cannot buy an HDB flat individually**.

(✔2)
Owning an **overseas property** disqualifies you from purchasing any HDB flat (resale or BTO). You must **sell it first** and wait **15 months for resale** or **30 months for BTO**, and be a resident in Singapore.

(✔3)
Practical approach: **sell your Australian property** and rent in the meantime, timing your return to Singapore to minimize inconvenience. Guidance can be provided to plan this smoothly.

✔Preparation is the key to success. Alexander Graham Bell✔
WhatsApp me at >>9856 9255 or through this link.:https://wa.me/6598569255.

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QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More

You can’t apply for a BTO as a married Singaporean if your spouse is a foreigner, unless they are a PR. Under current rules, BTO is only open to:

• Married couples who are SC + SC or SC + PR
• Singles buying under the Singles Scheme at age 35 and above

Because you are married, you cannot apply as a single applicant. HDB will not allow you to apply alone under the Singles Scheme while still legally married, even if your spouse is not part of the application.

For HDB resale, you do have a viable route. As an SC married to a non-citizen, you can buy a resale flat under the Non Citizen Spouse Scheme, as long as your spouse holds a valid Pass (LTVP, LTVP+, Work Pass etc). There is no income requirement for eligibility itself, only for loan assessment if you need an HDB loan.

Your private property in Australia is not a barrier to buying HDB resale, but you will need to dispose of it within 6 months if you want an HDB loan or any grants. If you are fine using bank financing with no grants, you can retain the overseas property.

So in short:

• BTO: Not eligible as SC + foreign spouse unless spouse becomes PR
• Singles Scheme BTO: Not allowed because you are married
• Resale HDB: Yes, you can buy under the Non Citizen Spouse Scheme
• Overseas property: Allowed to keep if buying resale without grants or HDB loan

If you want to map out which towns and flat types fit your long term plans, I can help you work through the options. Feel free to reach me anytime, Aren Goh, 96576701  , PropNex. Read More

Hi,

1) One of the primary conditions to satisfy the eligibility is not owning a private residential property both local and in overseas.
2) You will only eligible to buy a resale HDB flat by observing a 15-month wait-out period without applying for HDB loan and grants.
3) In order to be eligible to apply for a BTO or a resale flat with grants & HDB loan, you will have to observe a 30-month wait-out period.
4) The next conditions is your household income cannot exceed $14k in order to be eligible for a HDB loan, grants & BTO.
5) A married couple must apply together to buy BTO or a resale flat regardless whether spouse is local or a foreigner.
6) Failure to provide an accurate and updated information to any government officer will considered as a crime.
7) You may google the consequences of such action.
8) However, there are no restrictions of the above if you are buying a private residential property.
9) You are also not subject to any ABSD since you are a Singaporean. This is also applicable when you are buying with your husband.

All The Best!!!

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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