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Hi, appreciate your sharing. Yes you can, do state onto the HFE.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

Good day to you.

The straightforward response is YES. Your HFE letter will specify the amount of housing grant you qualify for, if any, as well as the loan amount based on your income. The gap between the purchase price, CPF OA, mortgage loan, and initial downpayment, along with the difference in the monthly payment, must be covered using cash.

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.

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Yes you can. Given your situation, there are a few other extremely important considerations and one-time decisions that you can also make upon booking the BTO that are irreversible. Depending on what you do, it could set up the both of you for the most flexibility and freedom 10-20 years down the road or lock you in for the considerable future.

If you need help, feel free to reach out below and I can advise accordingly.

Regards
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

Yes, that’s possible. Even if your fiancée doesn’t have any CPF contributions, she can still be a co-owner of the BTO. For the HDB loan repayment, you can use only your CPF Ordinary Account (OA) to service the monthly instalments. HDB does not require both owners to contribute if one party doesn’t have CPF savings.

Just make sure:
• Your CPF OA has enough funds to cover the downpayment and monthly repayments.
• You’ve accounted for other expenses like stamp duty and miscellaneous fees.
• HDB is informed that she is a co-owner without CPF contribution—it’s standard practice.

If you want, I can help you run a quick CPF OA projection so you know exactly how much you need for your BTO.

Aren Goh | PropNex Realty
???? 9657 6701  Read More

BTO Co-Ownership & HFE – Key Points:
(✔1) HFE Letter: Confirms your eligible housing grant (if any) and loan amount based on your income.
(✔2) Cash Gap: Any difference between purchase price, CPF OA, mortgage, and downpayment must be covered in cash.
(✔3) Co-Ownership: Your fiancée can be a co-owner even without CPF contributions.
(✔4) Loan Repayment: Monthly HDB loan can be paid solely from your CPF OA; both owners don’t need CPF savings.
(✔5) Checklist:

Ensure CPF OA covers downpayment & monthly installments.

Account for stamp duty & miscellaneous fees.

Inform HDB that co-owner has no CPF contribution — this is standard.

✔ “Do what you can, with what you have, where you are.” – Theodore Roosevelt ✔
WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

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QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More

Yes, it is possible to be the sole borrower of the property loan, where both of you are co-owners but only 1 of you is the borrower and use only 1 of your CPF monies. Read More

Hi,

1) Yes, this is workable.
2) The HDB officer will ask how you are going to finance your loan at the completion.
3) You will be required to fill forms on how much to deduct from your CPF OA and GIRO form for your bank monthly deduction.
4) If your financee is not assisting in the mortgage payment, she will not requierd to sign any of such forms.

All The Best!!!

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. Read More

hi,

Yes ofcos it is possible.

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--
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Samantha (Resale condo buyer) 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