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Yes it does affect your HDB plans. The easiest way as you have described is to dispose the Malaysian property or transfer the title to her family, and you would want to do this asap as there might be wait-out periods involved.

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Kay Cloud
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Good day to you.

The HDB guidelines for BTO applications state that all applicants must not possess or plan to possess private property, whether in Singapore or abroad. By signing the Sale and Purchase agreement, your spouse would have violated this requirement. With the transfer of ownership to her family, there is a required wait-out period of 30 months to fulfill.

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Yes, it will affect your HFE and BTO eligibility.

HDB’s rule states that all applicants (including non-citizen spouses) must not own or have any interest in private property locally or overseas within 30 months before applying for a BTO or HDB loan. This includes properties still under construction.

So in your case, your spouse will need to dispose or transfer her ownership before you can submit the BTO or HFE application. Transferring the title to her family is possible, but HDB will only recognise it once the transfer is fully completed and documented.

If your goal is to apply soon, it’s best to start the disposal process early. Would you like me to draft a short explanation you can show HDB when you appeal or clarify the case? Read More

Hi, appreciate your sharing. She require to dispose before application. Able to write in to double check with HDB.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

Hi,

1) I guessed you already know the answer.
2) This kind of situation was not uncommon to hear especially in this forum.
3) All owner(s) & core occupier(s) are not allowed to own any private residential property locally and overseas.
4) You will be rejected by the HFE application once you key in the true information.
5) You will have to observe a 15-month cooling period before able to apply for an HFE after she sold or transfer the title.
6) You will not enjoy any grants and HDB loan in this HFE.
7) You have to observe a 30-month cooling period if you intend to apply for BTO or to enjoy grants and HDB loan buying a resale HDB flat.

All The Best!!!

Hope the above answers your main concerns, but if there are more queries, 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
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Yes, it affects your eligibility for BTO or even purchasing a resale HDB due to her ownership of a foreign property. She will need to relinquish her ownership for that, and you will need to wait out a period of 15 months in order to be eligible to purchase a resale HDB. This is assuming that both of you are under 55. For BTO, the wait is 30 months. Read More

✔1 The Malaysian property will impact your HDB eligibility as HDB rules clearly state that applicants must not own or have any interest in private properties, whether in Singapore or overseas.

✔2 The most practical move is to transfer or sell the property to her family, which removes her name from ownership and aligns with HDB’s requirements.

✔3 Once that is done, she must observe a 30-month waiting period before she can proceed with any new HDB application, so it is wise to handle the transfer promptly.

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