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As of now, for single 35 years old to do BTO, you will only be eligible for 2 room flats (1 bedroom). The key eligibility criteria is for the applicant to not own any other private property (both locally or abroad).

You will need to check if co-financing is also considered as co-owner in HDB perspective, on top of the options you have after marriage. Do you plan to return to Singapore in the near future?

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I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market.

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My wife and I were in the same situation as you, living and working overseas in a foreign property I owned and we co-financed, while corresponding with HDB officers on BTO and flat eligibility back in Singapore. I would be happy to set up a time with you to discuss your options for the best move forward.

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's schedule a time so I can share more on navigating all the details you need to take note of.

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

Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, there would be a wait out period for you be it a BTO or purchases of resale flat, and you may like to clarify with the HDB directly on this.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

1. Eligibility for BTO as a single applicant begins at age 35, but you are restricted to a two-room (one-bedroom) flat.

2. Owning or co-financing overseas property, like your fiancée’s home in Australia, disqualifies you from applying—HDB requires applicants to have no private property, local or foreign.

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Hi, thanks for your question — you’re thinking ahead, which is great.

When you turn 35, you can apply for a BTO under the Single Singapore Citizen Scheme, provided you meet the eligibility conditions. However, HDB will assess your financial interests in any other residential properties, local or overseas.

Since you’re co-financing a private property overseas (even if it’s under your fiancée’s name), HDB may treat that as ownership, especially if your name appears on the mortgage or loan. This could disqualify you from applying for a BTO, as applicants must not own or have disposed of any residential property (locally or abroad) within the last 30 months.

If you proceed to marry after securing the flat, and intend to include her later, the ownership of overseas property will again come into question — HDB rules typically require both parties to dispose of any private property within 6 months of key collection, depending on the scheme used.

It’s best not to assume it can be done “quietly” — HDB has strict guidelines and conducts checks on overseas assets.

That said, every case is different. If you’d like help exploring possible options (e.g. private condo vs resale flat vs public rental), I’d be happy to share insights. I’m Aren from PropNex, contactable at 9657 6701  . Feel free to reach out anytime. Read More

Hi,

1) Co-financing does not means having legal ownership of the property. Thus, by right, you are eligible to apply for BTO when you turn 35.
2) However, you are only eligible for a 2-room BTO when applying as a single.
3) In order for your future spouse to be a legal occupier, she must also be free from any private residential property locally and in overseas.
4) So, she will have to dispose of the property in Australia.
5) Do note that BTO is a building under construction. There should be a laspe of 3~4 years before it is ready from a successful application.

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://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

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