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Hi looking to buy a house in yishun.
Im SC, my wife is on s-pass for 8years. Im aware we can only get resale flat which is fine but the problem is getting a loan.
Applied for hle, approved but only ard 150k.
Tried bank loan but rejected on reason my wife is on s-pass. Is it true?
Anw need someone to guide us through as we are tired of renting a room for the past 8 months.
Need a place to call our own.
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7 Answers

YT Tan (陈永达)
Good morning buyers,

As your wife is considered a foreigner, you can only purchase a resale flat under non citizen spouse scheme.

Under this scheme, only your income will be taken into mortgage application.

How much CPF OA funds and cash have you prepare for this purchase?

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Hi

As I will need certain confidential information on your financial status.

You may email gavin.ng@orangetee.com on your enquiry and will advise accordingly.

Regards

Gavin Read More
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Hi,

For your case you are eligible for non-citizen spouse scheme, which means your loan can only be granted based on your income. Depending on the CPF OA and cash you have, its might still be possible to get a 3-rm unit in Yishun. Thanks and look forward to assist with your plans further.

Warm Regards,
Ivan Ng ERA ASAP
(ASk Anything Property)
Proactive. Sincerity. Feedback.
SMU BBM (Finance), Magna Cum Laude

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Afternoon,

You can only purchase under non-citizen spouse scheme. You will be the main applicant and your spouse will be the essential occupier. Given so, mortgage figures will be worked based on your income only. You will however be eligible for single grant.

Do feel free to contact me for further discussion.

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

I understand your frustrations about renting a place and feeling lost about how to go about purchasing a resale-flat, which you can truly call it your home.

Let me help you go through all these, I'm just a call away! I'd need more information from you so as to be able to help you! Looking forward to hear from you!

Regards,
Sophia Ng
ERA Realty Network Pte Ltd
Mobile: 9225 4321 
E-mail: sophiangsy@era.com.sg
Website: www.sophia-ng.com
Facebook: www.facebook.com/realtysophia Read More
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GAN ENG JOO ONASSIS
Hi,

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Will recommend that you be prudent in your property purchase. Will be best to purchase property type based on the financial figure you are comfortable with :)

Feel free to engage me as your agent. I can assist you based upon your stated contents and walk you through the entire process with options.

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