4 Answers

askguru expert
Hi there, thanks for writing to us on AskGuru.

You may be eligible to buy a resale HDB flat under the Non-Citizen Spouse Scheme. If you are 35 years old or above, your husband must have a valid Visit Pass or Work Pass at the time you submit your application to buy a resale flat. The pass need not have a validity period of 6 months from the date of issue.

You may be eligible for a Singles Grant or the Enhanced CPF Housing Grant (Singles) of up to $40,000 depending on your household income. You may also qualify for the Citizen Top-Up which is a $10,000 housing subsidy that is given to eligible Singapore Citizen/Singapore Permanent Resident (SC/SPR) households when a qualifying household member becomes a Singapore Citizen. However, you must pay a premium of $10,000 for the purchase of an HDB flat direct from HDB.

You may be eligible for an HDB loan when buying a resale HDB flat. This will give you up to 90% financing. You must pay a 10%. downpayment in cash since you do not have CPF.

When buying an HDB resale flat, you will be subjected to the Mortgage Service Ratio (MSR) and Valuation Limit (if taking an HDB loan). MSR refers to the portion of a borrower’s gross monthly income that goes towards repaying all property loans. Your MSR is capped at 30% of a borrower's gross monthly income. You can read more about it here:

The breakdown for the fees are as follows:
1. Downpayment: 10% CPF -
2. Stamp duty:
a) Buyer's Stamp Duty - CPF
3. Resale application administrative fees - 1 and 2-room ($40), 3-room and bigger ($80) (cash)
4. Processing fee for Request of Valuation - $120 (cash)
5. HDB Fire Insurance - From $1.62 to $8.10 (https://www.hdb.gov.sg/cs/infoweb/residential/living-in-an-hdb-flat/fire-insurance) (cash)
6. Legal fees (assuming you are taking an HDB loan):
a) For Acting in Purchase
b) For Acting in Mortgage
Total Fees Payable - (CPF)

7. Agent fees: Subject to discussion with your agent. Assuming at 1% of purchase price: (cash)

You may refer to HDB's link here for the full costs: https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/resale/financing/costs-and-fees

You will be subjected to Valuation Limit. Valuation Limit is the lower of the purchase price or valuation at the time of purchase. Assuming the valuation and purchase price is $390,000 (no COV), your Valuation Limit is $390,000.

Hope this answers your question.

Best Regards,

Team PropertyGuru Read More


Ling CK

1) Eligibility: you are eligible to purchase a 4-rm HDB flat under the Non-Citizen Spouse Scheme.
2) Marriage certificate: Ensure this is prepared to submit during resale submission.
3) Finance: OTP deposit: $1000, OTP exercise : $4,000, Buyers stamp duty: ~3%, legal fee: may engage HDB lawyer Read More


Aaron Chong
Hi, I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Hope to hear from you soon and have a great week ahead. By the way, yes you will get housing grant in your case.

Aaron Chong
9730 8455
aaronchong2774@yahoo.com.sg Read More


Robbie Chen Chee Howe
Hi Mdm,

Yes, you are eligible to purchase a HDB resale flat under the Non-Citizen Spouse Scheme.

Whether or not you qualify for any Grant will depend on various factors:
1) whether you (or your spouse) own any private residential property (local or overseas) for the past 30 months.
2) your combined household income.

The only Grant you can get if you own (or used to own) a private property is Proximity Housing Grant, if you purchase a resale flat within 4km to your parents (or children) place of residence.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans.

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