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Dear madam,

In terms of eligibility to purchase a resale HDB flat, you should be able to purchase under the non citizen spouse scheme as what Khalil has indicated. The only issue is renting out the resale flat can only be done once you have completed to Minimum Occupation Period of 5 years, where chances for HDB to grant you approval to rent out is relatively remote since you are already residing overseas. In addition, from an investment perspective, HDB flat also do not provide the best return therefore you may wish to consider looking into a private residential apartment instead since it has lesser restrictions in place (if you consider Seller Stamp Duty where property is sold under 3 years from holding as a restriction) where you tend to have a better potential on capital appreciation.

Since you are a Singaporean, there will be no Additional Buyer Stamp Duty imposed if your husband decides to purchase this unit as a co-owner if this is your 1st matrimonial home in Singapore.

Hope the above helps.

I have been in the real estate business since 2009, with more than 13 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 9,400 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

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Warmest regards,
Geryl Lim
Associate Deputy Group Director
Salesperson Registration No. R014783H
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
[main] +65 6471 8888  [mob] +65 81577565  [LDA] +65 92787772 
www.geryllim.com
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Hi,

1) You are legally married, therefore you must buy the HDB flat under the Non-Citizen Spouse Scheme.
2) There are 2 types of requirements on your spouse residence status depending on your age:
(a) If you are below 35 yrs old. Your spouse must have either Long-Term Visit Pass or Work Permit.
(b) If you are at or above 35 yrs old. Your spouse must have either a visit pass or a work permit.

3) In order for you to buy an HDB flat, both you and your spouse must have Singpass ready.
4) Although your husband is not the owner of the flat, as a spouse he must acknowledge you are buying an HDB flat.
5) Therefore it is a strict requirement from the HDB that he needs to acknowledge all the documents submitted by you for resale application are valid and in order.
6) Under such circumstances, you and your spouse will need to return to Singapore to stay for a period in order to get the visit pass and Singpass to prepare for the purchase.
7) You will have to stay longer if your spouse needs to get the long-term visit pass. You will have to visit ica.gov.sg to under more detail about this matter.
8) Direct buying while you overseas seem not an option for you now unless you have both the passes (visit pass & Singpass) readily.

Hope the above answer 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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Hi Mdm,

You will be able to purchase a HDB resale flat under "Non-Citizen Spouse Scheme", with your Husband as an essential occupier. However, only your income will be used for loan assessment. Do take note that you will need to fulfill the 5-year MOP before you're able to rent out the entire flat.

If your objective is to rent out the property for rental income, then it would make sense for you to go into private instead. By going private, both you and your Husband's income will be used for loan assessment, and you will need not pay any ABSD as this is your first matrimonial home.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. 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