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Afternoon,

Under non-citizen spouse scheme, only your spouse income will be considered for the mortgage. She will be eligible for single grant.

Do contact me further should you require my assistance.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More

Hi Mohamed Malik Noor Mohamed Ariff

Housing grant is applicable to Singaporean applicant only. She is eligible for a single grant.

You may want to call 9620 0827  or email to gavin.ng@orangetee.com

Regards

Gavin Read More

Wife buys HDB and only get half of the grant available. You have children later and when they get citizenship, then will get the other half of the grant too.

Use this link for self help:
http://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/resale/eligibility-schemes?anchor=noncitizenspousescheme13837976555735 Read More

Good evening Malik,

Based on your situation, you can only purchase under non citizen spouse scheme.

In this scheme, only your spouse's income will be taken into consideration for the mortgage application and she will be eligible for singles grant of $15k. Income cannot exceed $12k.

If she meets the conditions of additional housing grant for singles, she will be eligible for it as well.

http://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/resale/non-citizen-spouse-scheme

As for the downpayment, it depends whether which type of loan you guys are going for. If HDB loan, 10% downpayment can be fully paid by CPF while bank loan, you need to come out with at least 5% cash.

Btw if you are eligible for BTOs, you can enjoy these grants if you meet the conditions.

http://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/new/first-timer-applicants?resolvetemplatefordevice=true

Hope my sharing is beneficial to your property purchase.

May I know how can I continue to value add in your purchase?

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
Vice President (Agency)
R043025D
Property Avenue Pte Ltd
Estate Agent no. L3010650D
Blk 420 North Bridge Road #03-30 North Bridge Centre S188727

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com Read More

Good afternoon Malik,

Both of you can apply for 2 room BTOs in non mature estates.

You can find more information on 2 room flexi flats.

Hope my sharing is beneficial to your property purchase.

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
Vice President (Agency)
R043025D
Property Avenue Pte Ltd
Estate Agent no. L3010650D
Blk 420 North Bridge Road #03-30 North Bridge Centre S188727

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com Read More