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Good day to you.

You must complete the MOP of the resale flat before you can apply for a Build-To-Order (BTO) flat. By planning to buy the upcoming 3-room flat without any housing grant, you can preserve your "first-timer" opportunity for purchasing an HDB flat and thus avoid the resale levy when you choose your BTO. I recommend that you consider keeping the Proximity Housing Grant for your BTO application.

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Hi! What you're describing is generally not recommended, as it will greatly restrict your timeline and options in the future. As some of my colleagues have pointed out, you would have to fulfill the MOP on the 3 room resale flat before applying for the next BTO. Furthermore, the MOP as a family unit may also be reset to a new 5-years after your wife is added in as an occupier after you get married (it may be mandatory as she is considered within your family unit).

Would be happy to sit down and discuss what might be the best move forward for your specific situation. Best if you don't get stuck in a property that doesn't meet your needs for the next 7-10 years.

I'm a Harvard graduated real estate agent with a degree in economics, and have supported clients on more than $1 billion in transactions. I can help with sourcing, viewing, own-stay & investment analysis, market comparatives, timeline planning, safe entry pricing and more. Feel free to reach out!

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

You can buy a resale flat now and still plan for a future BTO, but the details depend on whether you take grants and how the MOP plays out. Here’s how your situation works.
1. Buying a resale without grants
Yes, you can apply for a BTO once you complete the full 5 year MOP for your resale. You’re allowed to stay in the resale while applying, as long as you only book the BTO after your MOP is done. If the BTO happens to TOP around the same time, that is fine.
2. First timer status and resale levy
If you take zero grants for the resale, you remain a first timer for a future BTO. There is also no resale levy because resale flats only attract a levy when grants are taken.
3. Taking only the Proximity Housing Grant
PHG does not affect first timer status. You’re still considered a first timer for your BTO. However, PHG is still a resale grant, so you will need to pay a resale levy when you eventually get the BTO.

If you want, I can help check which option gives you the cleanest path based on your wedding date, income ceiling and the BTO towns you’re eyeing.
Aren Goh, PropNex
 9657 6701  Read More

As long have you have not utilise any form of housing grants, you will be eligible to apply for BTO as first timer after fulfilling MOP base on existing regulations.

——

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Hi,
Please DO NOT buy a resale flat and get stuck with it for 5 years. I would advise you to buy a BTO and wait for that flat to be ready. If you are getting married, it is advisable to look for a cheap rental property for the duration. This may sound a waste of monies but in the next 5 years with VERS coming into play, this is going to affect prices of older resale prices. So, please evaluate carefully and do not regret your choice. Please make an informed decision.

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

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)
You need to **finish the MOP** on your resale flat before applying for a BTO.

(✔2)
Buying a 3-room resale **without grants** keeps your first-timer status intact and avoids the resale levy when you apply for a future BTO.

(✔3)
It’s wise to **reserve the Proximity Housing Grant** for your BTO to maximize benefits.

✔Plan wisely today for a better tomorrow. Unknown✔
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

Hi,

1) Your question is contradicting. The fact is you are only eligible to apply for BTO upon completion of the 5 yrs MOP.
You will not be in a situation that the BTO TOP right after your MOP ends. You only can have it one at a time.
2) Since you didn't take any grants, you will remain the 1st timer status when applying for BTO.
3) PHG although is also named as grant, it is not considered a subsidized grant, It is meant only to encourage families to liver/near with parents.
Therefore, PHG will not affect the 1st timer status and incur resale levy.

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

Note:
Any response to our answer does not reach us until we scroll through each and every query posted daily.
The best way to get a follow-up is to Whatsapp or email us directly. Read More

Hi,

1) Your question is contradicting. The fact is you are only eligible to apply for BTO upon completion of the 5 yrs MOP.
You will not be in a situation that the BTO TOP right after your MOP ends. You only can have it one at a time, and must be in a sequence of MOP first then, BTO TOP.
2) Since you didn't take any grants, you will remain the 1st timer status when applying for BTO.
3) PHG although is also named as grant, it is not considered a subsidized grant, It is meant only to encourage families to liver/near with parents.
Therefore, PHG will not affect the 1st timer status and incur resale levy.

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

Note:
Any response to our answer does not reach us until we scroll through each and every query posted daily.
The best way to get a follow-up is to Whatsapp or email us directly. Read More