Hi,
1) Yes, you can form a family nucleus with your mum (divorced) under the public scheme provided you and your mum are SC and/or SPR. Do note your parents cannot activate any selling process until they received a final court order.
2)
(a) You are able to apply for HLE if your household income is less than $14k.
(b) Unfortunately for your case, you won't be eligible for any grant. The current grants are mainly eligible for couples and single above 35years old.
3) You must be an SC above 21 years old in order to be eligible for an HLE.
There is no mention under HDB loan eligibility that a person under DMP is not eligible for an HDB loan.
https://www.hdb.gov.sg/residential/financing-a-flat-purchase/housing-loan-from-hdb/eligibility-conditions
4) There is this clause that might be relevant for your case:
Prior consent must be obtained from the Official Assignee (OA) or the private trustee if you are applying to buy an HDB flat that is bigger than a 5-room flat or a 3Gen-flat. From 1 February 2016 onwards, prior consent is also required to buy any flat type with a net purchase price of $500,000 or above, after taking into account any HDB subsidies or levy.
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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