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Hi Mr. Christopher,

1) You will have to include her as occupier to apply if you are under age of 35. As you are not allowed to purchase HDB flat if you are single and under age of 35.
2) Whether your spouse is included in the HLE does not make any difference. As her income is not going to be considered in the HLE amount.
3) She cannot be an owner for a HDB flat since she is a foreigner.
4) If she is still holding LTVP, she will not has a CPF account, unless your case is unqiue.

Hope the above answer to 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
 90110636 
ling.ck7@gmail.com
https://www.facebook.com/Homesellerbuyer

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Hi,

Based on your above description, there is no impact on your HLE loan amount, as your Wife is a non-Citizen and is not allowed to be the owner, hence her income will not be taken into account for your loan.

You must also include her as the essential occupier of the flat, as you're married and it will be your "family nucleus" under Non-Citizen Spouse Scheme.

I am experienced and well-versed in HDB resale transactions. I will be able to assist you in your flat purchase. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile 9748 6305  . I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More