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Good day to you.

As a Singaporean aged 32 with a foreign spouse holding a Dependent Pass with more than six months' validity, you are eligible to purchase a HDB resale flat. You may also qualify for various financial assistance programs, such as the CPF Housing Grant, Enhanced Housing Grant, and Proximity Housing Grant, provided you meet the respective requirements.

With a solid credit history, it is estimated that you could secure a mortgage loan of approximately $300,000.

As this is my preliminary assessment, it would be beneficial to meet and discuss your goals regarding homeownership in more detail.

Navigating a property transaction can be complex, especially with major life events. As a seasoned property consultant with 15 years of experience, I provide informed guidance on complex property matters.

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For informed guidance along your property journey, you can schedule a free consultation to discuss your specific needs via -
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Hi,

1) Your spouse must be holding one of the following since you are below 35 yrs old:
(a) LTVP (Long Term Visit Pass)
(b) Work pass
both must be at least 6 months from the date of issue at the point of yuor HFE application.

2) You are eligible for a resale HDB flat only with conditions that you have a valid legal marriage cert and your spouse has the valid document as stated in (1).

3) Your home loan basaed on your age and income is around $255k.
4) You are eligible to single grant ($40K) for a 4-rm and smaller flat & PHG ($10k) only.
5) You are encourage to apply for an HFE (https://homes.hdb.gov.sg/home/landing) to find out the exact amount of loan and grants available before further exploring on the types of flat and location.

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
 90110636 
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/

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Hi, appreciate your sharing. Have you been working for the past 1 year ? Have both of you ROM yet ?
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

There are certainly options for you at this stage that you can consider - and i'll be happy to walk you through them.

Nevertheless, I will caution against rushing into a purchase at this stage with your spouse's job situation. While it might seem enticing to quickly own a HDB, you might inadvertently lock yourself into an unfavorable situation for 5, 10, 20 years or more.

If you are available, I would be happy to schedule a free consultation session with you and your spouse to chart out your plan towards home ownership that would make sense for your long term future. It would only take 30mins-1hour of your time, and it will save you time, money and stress down the line.

I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy.

Let me know if you'd like the free consultation, you can reach out via my contact details below.

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More