Hi there, thanks for your question on AskGuru. Here are the answers to your questions:
1) In general, there is a requirement for the marriage to already have taken place. However, the request for the marriage to take place after the purchase of the HDB flat can be raised to HDB;
2) There is a Minimum Occupation Period (MOP) for all purchases of HDB flats of five (5) years;
3) Yes, requests for valuations can only be done after the issuance of an Option to Purchase (OTP), i.e. after an offer for a resale flat has been accepted by a seller;
4) The Option Money for the OTP is up to a maximum of S$ 1,000. If you decide to exercise the OTP, you will need to pay deposit to the seller. This deposit, including the Option Money, must not exceed S$5,000. These amounts must be in cash;
5) Valuation Fee is payable to the HDB, chargeable to either credit card or NETS, depending on the mode of application for the report;
6) By “admin fee”, I am assuming you mean “Stamp Duty”. CPF funds can be used for the payment of Conveyancing and Stamp Duties;
7) Except for the initial S$5,000 mentioned in Point 4 above, the remainder of the 10% can be paid using CPF funds. This is assuming you are taking a loan directly from HDB;
8) If the value of the flat (as indicated in the HDB Valuation Report) is below the purchase price, the difference needs to be paid for in cash. In addition, other fees like Resale Application Administrative, Town Council, Fire Insurance and Valuation Fees need to be in cash as well, as are Agent Commissions.
You may wish to explore your eligibility for the different types of grants the CPF (Central Provident Fund) provides. Hope these answers help.