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Hi, I am currently a SG EP holder who recently married a SC.

I know we are eligible to buy a re-sale flat which 4-room or bigger. Is the amount we can get as a loan only based on my spouse's income (based on low base pay but high allowance + commission) as she will be the sole owner and I will only be an occupier?

Please provide any insight into this. Thanks.
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1 Answer

YT Tan (陈永达)
Replied
Good morning buyer,

Yes you are right that because both of you will be purchasing under non citizen spouse scheme thus only your Singaporean spouse's income will be taken into consideration for mortgage assessment. Your income will not be used as you are an occupier.

Your spouse can apply for HDB or bank loan to see which loan is higher.

Hope my sharing is beneficial to your property purchase.

May I know how can I continue to value add in this purchase?

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
Vice President (Agency)
R043025D
Property Avenue Pte Ltd
Estate Agent no. L3010650D
Blk 420 North Bridge Road #03-30 North Bridge Centre S188727

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W):www.yttan.com Read More
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