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Morning

yes, you two can buy a resale flat under the Fiancé/Fiancée Scheme, and you can choose to list your PR partner as a co-applicant (owner) so that you can use her cpf for the hdb

The usual “SPR for 3 years” rule does not apply because you (the buyer pair) are a Singapore Citizen; that 3-year rule only applies to SPR-only households.

She can use her CPF OA for downpayment/instalments and can be included in the HDB loan/HFE assessment because CPF usage and loan participation require being an owner.

If you wish to find out more, can proceed to contact me thru the following
whatsapp : wa.me/6596989189
email : bryankoh.realestate@gmail.com

Thanks Read More

As per HDB's website, the proposed owners can either be a Singapore Citizen (SC) or a Singapore Permanent Resident (SPR), with another owner or occupier who is an SC or SPR. Only if all the proposed owners are SPRs, they and the essential occupiers must have held permanent residency for at least 3 years.

There are however a few other major considerations you might need to take note of if you are purchasing a resale HDB.

I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy. I would love to schedule a free consultation to discuss your options if you need any support.

Feel free to reach out via whatsapp or email.

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

Hi, appreciate your sharing. Yes you, can do so by filling into HFE to determine the outcome.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, there is no issue here in your case as you are a local.

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

She can be a co-owner of the property given that you are a Singapore Citizen. Read More

Hi,

1) When a PR married to a SC, they are eligible to buy and own an HDB flat.'
2) The PR need not have to wait for the 3yrs timeline to meet the eligibility conditions.
3) She must be an owner of the flat in order to utilize her CPF funds to service the HDB loan.
4) If you are not comfortable to divide the home ownership equally since her funds in her CPF is limited. You may discuss with her on the amount of share that each party should own according to funds contribution.
5) If you decided on this route, you will have to use tenancy-in-common to specify amount of shares that each party shall own rather than using Joint-tenancy (50/50).

All The Best!!!

Hope the above answers your main concerns, but if there are more queries, 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://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/

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Hello!

No issues to buy a resale HDB flat with your SPR partner under the Fiancé/Fiancée Scheme, and she can be listed as a co-applicant (owner)!

The “3-year PR rule” only applies when both parties are PRs without any Singapore citizen in the application.​ (Not applicable for your case)

And yes, she can use her CPF Ordinary Account (OA) funds towards the downpayment and to service HDB loan.

I hope this helps! If you have more queries, feel free to contact me at 9828 3457  :)

Cherry Ling Read More

She can be a co-owner on this application since you are a Singapore Citizen, thus she will be able to utilise her CPF to finance the purchase.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market. Check out the EdgeProp featured article on myself recently at https://www.edgeprop.sg/property-news/geryl-lim-leading-landed-real-estate-heart-hustle-and-harmony

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 15,900 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
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Good day to you.

You should consider a few questions:
a) Is it necessary to involve your spouse to facilitate the financing for the purchase?
b) Are there additional estate planning considerations in your future plans?

Singaporeans can buy a resale HDB unit alongside a SPR spouse, either as a co-applicant or essential occupier. Reflect on my questions and determine what aligns with your needs.

Alternatively, we can collaborate to bring your intentions to realization.

Navigating a property transaction can be complex, especially with major life events. As a seasoned property consultant with 15 years of experience, I provide informed guidance on complex property matters.

I assist my clients with -
Divorce: Providing guidance for property settlements and achieving a clear outcome.
Estate Planning: Simplifying the process of planning for the future or handling inherited property.
Complex Situations: Offering support for cases involving Power of Attorney, bankruptcy, and other challenges.

For informed guidance along your property journey, you can schedule a free consultation to discuss your specific needs via -
Mobile: 96929209 
email: m52i@yahoo.com

For more property insights, follow my short videos here: https://www.youtube.com/@SGHomeCompass Read More

✔1 Yes, both of you can **purchase a resale HDB flat under the Fiancé/Fiancée Scheme**, with your PR partner listed as a **co-applicant (co-owner)**.

✔2 This setup allows her to **use her CPF Ordinary Account (OA)** funds for the **downpayment and monthly loan instalments**.

✔3 The **“SPR for 3 years” rule** does not apply here since one of you is a **Singapore Citizen**; it only applies when both applicants are **Permanent Residents**.

✔4 Being a co-owner also enables her to be **included in the HDB loan or HFE assessment**, as CPF and loan usage are tied to ownership status.

✔5 If you’d like to **understand the application process or next steps**, you can reach out for further guidance or assistance.

✔6 It’s helpful to **review your eligibility and financing options early** to ensure a smooth purchase journey.

“As Confucius once said, the man who moves a mountain begins by carrying away small stones.”
WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

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like renting / selling, buying / or investing, I'm here to help!

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QUO Read More

Hi

Yes she can be an applicant, her CPF OA can be utilized the service the loan or fund the downpayment.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Multiple Diamond Award Achiever

SEAA Salesperson Achievement Award (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 11th Achiever in Feb 2024 (Top 1% Company Level)
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ERA Top 11th Achiever in June 2020 (Top 1% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
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-- HDB Toa Payoh 5-RM Sellers of Million-Dollar HDB, Mr. & Mrs Leong

We were fortunate to have met Ivan Ng. He was thorough in going through what the complicated home-selling process required of us and more so in understanding what we would like to achieve from the sale of our unit. His responsiveness and assurance, was a trait that we really appreciate. We managed to secure a sale that exceeded our expectation with Ivan’s advises. The offered price for our unit was a record set for the flats in the neighborhood. This was definitely supported by the fact that Ivan’s listing of our unit was detailed and stood out from other listings. Because of this, we also engaged Ivan's service to help us search and buy our new resale home. After some searches and viewings, we managed to secure one at a reasonable price with his help. With Ivan’s cheery and positive demeanour, selling our unit to procuring a new one, was a smooth journey for us. It was a pleasure to have worked with him.

-- HDB Executive Maisonette Sellers, Mr & Mrs Yeo --

Before contacting Ivan Ng, our Property Realtor, we were quite apprehensive about our Contra-deal ( concurrent resale & purchase of HDB flats) as at that time the outlook of the resale property market was quite sluggish & pessimistic. But surprisingly our property realtor, Ivan , was able to put us at ease with his professional competence, astute work experience & friendly nature . He was able to consummate our contra-deal within one month of our HDB application. Now we are convinced by his promise that (in Ivan's own words) ... "A contra-deal is where the sale & purchase transactions are done concurrently and completed on the same day. This results in a seamless transition of the funds from your sale proceeds and CPF proceeds towards your purchase price." More importantly Ivan has also managed to clinch a good deal for our contra-deal. We'll certainly recommend him to our kins & friends. Thank you very much, Ivan. We are definitely your satisfied customers! 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

hi,

Yes, you can include her as an occupier in the application. However, since she’s listed as an occupier (and not an owner), she won’t be able to use her CPF to service the housing loan.

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

Testimonial from Satisfied Clients
-- My husband and I wish to commend the sincere attitude and good customer service rendered by your staff Jenny, who handled the sale of our 5R HDB flat early this year. We have met several agents but none as genuine as Jenny. Being a seller agent, she took our interest at heart in handling the sale, unlike other agents who are self-interest. Jenny is punctual and prompt in the whole dealings and we were convinced that such an agent is hard for find nowadays. Jenny is a trustworthy, honest, sincere and hardworking agent. We are happy with her service and would gladly recommend her to our friends in future. Jenny is an asset to Propnex and the organisation should value her. Thank you Jenny for her efforts--
Mr and Mrs Soo (HDB seller)

--Jenny is very committed and responsive to her clients and she has spent hours updating them and looking out for great deals and even tailor-made property proposal geared towards their needs. Will certainly refer her to others and will definitely approach her again in her future--
Nick and Kim (New launch buyer)

--Jenny did a great job helping my wife and I sell our unit. She took active steps to walk our neighbourhood to understand what she was marketing. During the marketing period, she managed potential buyers and provided timely updates and recommendations so we could stay on top of the process. Overall, Jenny was professional and helped us to achieve a positive result which we are very thankful for--
Aaron ( HDB seller)

--Jenny was very passionate and went the extra miles to help. Thanks to her professional advice and recommendations, I had finally found my dream home--
Yvonne (New launch buyer)

--Appreciate Jenny's clear and prompt communication style with us and other stakeholders. She was also patient and client-centered throughout the process of finding a home that met our criteria. As a first-time home buyer, we appreciate how she went out of her way to explain the process and answer questions we had--
Samantha (Resale condo buyer) Read More