Hi,
With your current info provided, the assessment is made with the following assumption:
(i) You are below 40 yrs old.
(ii) You do not have other financial commitment
(iii)Your income is a stable income and able to prove it with last 12 months payslip.
You may get a HDB loan of approximate of S$ 264,500.
In order to do a better estimation you have to take note of the following:
(1) Buyer Stamp duty: non-mature town 4-rm: $2.1k ($250k)
(2) Legal fee: $550 ($250k)
(3) Mortgage Stamp duty: $500
Do note the above can use CPF to pay for.
The rest of miscellaneous cost is about $200 in cash.
The cost above is estimated according to the average cost of BTO in mature & non-mature town.
You may do a self prelimarily check over HDB loan using the following weblink:
https://services2.hdb.gov.sg/webapp/BP27MaxLoan/BP27PMax1.jsp
Do note that you may apply under Non-Citizen Scheme only for BTO, since your spouse is not SC or SPR.
Thus grant available is only AHG, which is either $5k or $2.5k dependent on whether your income is exactly = $4k or slight over respectively.
The flat that you are eligible under Non-Citizen Family scheme is only 2-room flexi flat in non-mature estate.
Do note that the advice above are inconclusive, you will still need to approach HDB for all details listed above for verification.
Hope the above answer to 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
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