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Hi, I am turning 35 next year and will be looking at hdb resale market. My average income is more than 6k but less than 12k. I have a non Singaporean Gf under S pass whom i intend to marry. Question relates to buying under singles scheme.
HDB says: " Your average gross monthly income must not exceed:
- $6,000 if buying a 2 to 5-room resale flat under the Single Singapore Citizen Scheme
- $12,000 if buying a resale flat under other schemes"

What does the second point mean? What "other schemes" am i eligible for in order to get this grant?
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5 Answers

YT Tan (陈永达)
Good afternoon buyer,

You wont be eligible for singles grant as your income exceeds the income ceiling. If you are purchasing under non citizen spouse scheme, you can apply for singles grant as your income is below $12k.

That means you need to be married first to be eligible for this grant.

Hope my explanation helps!

By the way, care to share why you opt for resale hdb?

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Robbie Chen Chee Howe
Hi,

If you have intentions to marry your non-citizen girlfriend, you can opt to buy under Non-Citizen Spouse Scheme. You will be entitled to $15,000 grant if your average gross monthly income does not exceed $12,000.

Should you have other queries, please contact me at 9748 6305  . I will be happy to assist.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More
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Hi,

For 1st timer 15k grant under single Singapore citizen scheme, your income shouldn't exceed 6k. Since yours exceeded you won't be able to qualify for it. For other scheme its under non-citizen spouse scheme, both of you must have done ROM before you can be eligible, and total income cannot exceed 12k/month.

May I have more info and requirements so to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,
Ivan Ng ERA ASAP
(ASk Anything Property)
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SMU BBM (Finance), Magna Cum Laude

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Evening,

As your partner is holding onto S pass, you can purchase the unit under non-citizen spouse scheme. You will be eligible for single grant but the loan assessment will be based on your income only.

Do feel free to contact me for detail discussion.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More
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GAN ENG JOO ONASSIS
Hi,

Re: Today’s SG Professional Choice- SGAgent.com & SGRealtor.com

As long, you have no $$$ issues to purchase under single scheme with or without grant, will recommend you to do so. Without grant, you will not subject for resale levy of $50K upon purchase a new EC.

I am contactable at 92222389  or onassis@sgrealtor.com / sgagent.com
In all Areas of Singapore. Sale/Buy/Lease/Rent, Please call and/or drop me an email me. I’m always at your Services.

Onassis Gan | R021244C | SG Professional l SGRealtor.com & SGAgent.com

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