Hi Khai,
You will find most of the information below for all your concerns:
1) Since both of you are not married at the moment, you are eligible under the Fiance/Fiancee scheme.
2) Your fiancee is still studying full time, you should apply for a deferred income assessment. This allowed you to carried out your income assessment approximately 3 mths before flat completion for an uncompleted flat (BTO/SBF).
https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/new/finance/deferred-income-assessment
3) You can also make use of the Staggered Downpayment Scheme and pay the required downpayment in 2 installments. 50% of the downpayment is payable when signing the Agreement for Lease, which is around 4 mths after flat booking. This should lessen your load in the purchase process.
The other 50% is payable at the key collection when the booked flat is completed. You may find detail (section 31) under the link below:
https://www.hdb.gov.sg/cs/infoweb/-/media/doc/PressReleases/12AugBTO2020AnnexB.pdf
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.
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.
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