Hi,
2 basic things you need to understand in buying HDB resale flat.
1) Eligibility: Both of you must be Singaporean or at least one of you must be Singapore Citizen and spouse is eligible to stay in Singapore, be it PR or foreigner.
2) Finance:
There are 2 types of loan available to assist in acquiring HDB; HDB loan & bank loan.
HDB loan has more stringent criteria, although charges a higher interest. But it is helpful for one who have minimum cash.
The final is the ownership, this is applicable to all types of property.
There are 3 types of ownership:
(A) Joint Tenancy : Each hold equal share of the property, it can be multiple owners. If there is/are someone decease, the rest of the owners will receive equaly share from decease party.
(B) Tenancy-In-Common : Indicate amount of share for each owner right in the beginning before the deed is drafted. Each owner can decide how his/her share distribute once he/she pass away.
(C) Sole ownership : I guess the name explain everything. Only one owner in the deed, and hold 100%.
For HDB flat, for married couple, usually will choose (A) or (B) option. Having said that, you may also choose 3rd option, list your spouse as occupier. But he will be essential occupier in this case, meaning, you still need his consent (signature) if you decided to sell in future.
Hope the above answer to your main concerns, but if there are more queries, do not hesitate and 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
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