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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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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

If your spouse is holding onto a long term visit pass here in Singapore, you will be eligible to purchase HDB under non-citizen spouse scheme. You can actually submit for HFE application to determine your loan and any grants for your purchase to understand better and work out your numbers on the purchase.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market. Check out the EdgeProp featured article on myself recently at https://www.edgeprop.sg/property-news/geryl-lim-leading-landed-real-estate-heart-hustle-and-harmony

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 15,900 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.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
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I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

Rough budget estimate

Based on your $4,500 income:
• Your monthly repayment should ideally stay within about 30% of your income, which is around $1,350.
• At roughly 3% interest over 20 years, that supports a loan of about $300,000 to $350,000.
• With your CPF savings and downpayment, you could consider resale flats priced between $450,000 and $600,000, depending on location, lease, and condition.
• Always factor in other costs like stamp duty, legal fees, renovation, and moving expenses.

⸻

What types or price range to consider
• 3- or 4-room resale flats in non-mature estates tend to be more affordable and easier to finance.
• Flats in mature estates offer better convenience but come at a higher price.
• Since you’re buying on a single income, it’s safer to stay below your maximum budget for flexibility.
• Also, check that the remaining lease covers you comfortably past age 95, as that affects loan eligibility.

⸻

If you want, I can help calculate three example scenarios — conservative, mid-range, and higher budget — to give you a clearer picture of what you can safely afford. Would you like me to show that?
— Aren Goh | PropNex | 9657 6701  Read More

(✔1) At 32, as a Singaporean with a spouse holding a valid Dependent Pass, you can proceed to purchase an HDB resale flat. You may also be eligible for housing grants like the CPF, Enhanced, or Proximity Housing Grants, depending on the qualifying rules.

(✔2) With your current income level and healthy credit record, a housing loan of around $300,000 is a realistic estimate. Keeping repayments near one-third of your earnings ensures your budget remains steady and manageable.

(✔3) Based on your financing and savings, looking at resale flats within the $450,000 to $500,000 range would be practical. Remember to plan ahead for legal fees, taxes, and renovation costs to stay financially prepared.

As Henry David Thoreau once said, “Wealth is the ability to fully experience life.”
WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

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QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

Hello!

Under the Non‑Citizen Spouse Scheme, you are eligible to buy a resale HDB flat as the sole owner with your foreign spouse listed as an essential occupier (not co‑owner).​

With a monthly income of S$4,500, you meet the income ceiling requirement for an HDB loan (below S$14,000 family cap).​

Using the standard HDB Loan parameters, your estimated loan quantum is  $380,000

With S$100,000 CPF OA for downpayment, your total purchase budget is roughly S$460,000 

Grants you could obtain:
1. Enhanced CPF Housing Grant (Singles): up to S$40 k (based on income).​
2. Proximity Housing Grant (Singles): S$10 k (if buying within 4 km of your parents).​

Hope this helps! Home buying is an intense yet exciting journey, feel free to contact me at 9828 3457  if you need any assistance or have more enquiries.

Cherry Ling Read More