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Hi Ryon,

1) The main reason that your partner's salary cannot be taking into account for a loan is that your spouse is not the legal owner.
2) And she cannot be the legal owner for HDB while holding LTVP.
3) Thus no matter where you go, you will not be able to get a higher loan amount.
4) Your calculation on the budget is correct, but you forgot about the buyer stamp duty and legal fees that will be incurred in a property purchase.
5) Both are of a few thousand dollars and cannot be ignored during a property purchase. For an example of a $250k purchase, buyer stamp duty is already $3,200, legal fees are another ~$1,000. This means if your CF OA is exhausted from the purchase, you have to pay this $4,200 in cash.

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

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