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Hi,

I am Singaporean currently single and looking to get married by Nov 2015. However, am unable to buy a house as my partner is not Singaporean or PR, she is on S Pass. Below are my questions.

1) Please correct me if I am wrong, but that means I can only buy resale hdb? Does my partner need to be married with me for this option?

2) Also do I get any incentive from choosing a resale unit near my parents house?

3) For the financing, understand maximum bank loan is 80%, is there an option for 5% cash downpayment and 15% cpf?
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3 Answers

Mike Lim
Replied
Morning,

You can purchase resale unit under non-citizen spouse scheme. You will be required to submit the ROM certificate to HDB within 3 months from key collection date. If your income is less than $5k, you will be eligible for $10k housing grant. With HDB grant, you can opt for HDB loan where down payment is only 10%, payable fully by CPF.

FYI
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More
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  • YD
    Replied
    Thanks. Our combined income is about 6 to 7k, what are our options for financing? For the 20% balance how much can be from cpf?
CK Ang
Replied
Hi,
1. Yes can buy resale hdb.
2. CPF grant
3. Yes you may use cpf for the 15%

To assist and advise you more in details, kindly drop me an email for me to share.

I can be contactable at my mobile or email.

CK Ang
 9046 3808 
res.ckang@gmail.com Read More
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Tricia Tan
Replied
Hi
Yes you can purchase a resale hdb under non citizen scheme or a pte property under your own name. Grant will be subject to your income range.
Best Regards,
Tricia Tan 91442664  Read More
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