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Hi!

The first thing I will recommend to do will be to check both your eligibility to purchase a HDB. Based on what you mentioned, it should not be a problem.
Next, work out both your finances and determine what is the value of flat you both can afford comfortably. (Pls also remember to factor in renovation cost, furniture and appliances costs, etc.)
Also, check on your eligibility for HDB loan and bank loan.
I will recommend you to engage a professional to work out all the above for you. The last thing you will want to happen is finding out that you miscalculated your finances just before completion of purchase!

We had helped many clients with similar cases as you and we will definitely be able to help you out fuss free!
Pls contact me via my mobile number 9754 5207  !

Thank you and Best regards.
Brendan Bay
Contact: 9754-5207 
Whatsapp: wa.me/6597545207
ERA Realty Network Pte Ltd Read More

Good morning Mdm,

you are only eligible to buy under non citizen spouse scheme in which also means you are the sole owner and only your income will be taken into consideration for loan assessment.

Strong recommendation is to apply for HLE or IPA to find out how much loan can you obtain. Along with that then we figure out whats your budget with grants and finances on hand.

Hope my sharing helps in aiding in your enquiry.

May I know how can I value add further in your property needs?

Best regards,

YT Tan
Property Kaki
You dream. I create. We make it happen!
Association of Chartered Certified Accountants Graduate
Singapore Accredited Mortgage Planner

Contact:
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Email: yt.tan91115171@gmail.com

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Hi,

As you're purchasing the HDB flat under sole owner under Non-Citizenship Spouse Scheme, your loan assessment will be based on your sole income.

It is advisable to check with the bank, or apply for a HLE to see how much you can loan.

If your spouse is working, you may wish to consider private property instead. This is because both of you can be co-owners of the property, loan assessment will be based on both your income. You will likely get a bigger loan amount too based on TDSR.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile 9748 6305  . I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More