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Morning, To be eligible for HLE, since your spouse is SPR, you have to be SC. If you are SC, both of you are eligible for the purchase for resale HDB unit. If both of you are SPR, you will have to wait for 3 more years and will only be eligible for bank loan. Depending on your loan amount, mortgage repayment period and income status, you might need to contribute cash to service the mortgage loan. Do feel free to contact me if you require further assistance. Regards Mike Lim 96929209  m52i@yahoo.com ERA Read More