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Firstly, it is important to know what is your loan eligibility before we can work out the breakdown versus the price range of the targeted flat you like. You may look into submitting your HFE when you turn 35 perhaps.

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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. 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,
Geryl Lim
Deputy Branch Associate Director
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
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

✅ What You Should Do / What I Suggest

Get an HFE letter as soon as you are ready — this clarifies your financing options, CPF eligibility, loan eligibility.

Check your CPF OA balance, and project how much more you’ll accumulate before you apply. That will tell you how much cash you need to bridge the gap for down payment.

Explore both HDB housing loan and bank loan — compare interest rates, loan tenure, cash requirement.

Search the resale flat market now — 3-room flats in non-mature or mature estates, decide which locations suit your work / lifestyle / budget.

Plan a realistic monthly budget — include mortgage, utilities, maintenance, and a buffer for unexpected expenses.
WhatsApp me at >>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

Hi, appreciate your sharing. Have you done your HFE online and bank loan check ? So that you are able to work out the budget

CPF OA + CASH + GRANTS

Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

Hi,

1) Since you have not reached 35 years old, your spouse must hold a LTVP in order to be eligible to buy an HDB flat.
2) You won't be able to receive HDN loan based on your current situation. You have to accumulate at least 12 months of employment to be eligible.
3) You are eligible to single grant of $40k when buying a resale flat. EHG & PHG are avaliable based on the set conditions at single SC level.
4) I would suggest you to continue to stay employed for at least 12 months before buying HDB flat.
5) You should apply for an HFE once the 12-months period is up.
6) This is so that you have a clearer picture of your budget with the additional saving achieved from this waiting period.

All The Best!!!

Hope the above answer to 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

Note:
Any response to our answer does not reach us until we scroll through each and every query posted daily.
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Happy to work out the finances and home ownership plan with you! It is possible to purchase a HDB with minimal cash and CPF outlay.

I'm a Harvard graduated real estate agent with a degree in economics, and have supported clients on more than $1 billion in transactions. I can help with sourcing, viewing, own-stay & investment analysis, market comparatives, timeline planning, safe entry pricing and more. Feel free to reach out!

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

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

If you’re a Singaporean marrying a non-citizen partner and turning 35 next year, you can get a home eventually, but a resale 3 room HDB may not be as straightforward as it seems. The key issue isn’t your CPF or income. It’s the eligibility rules tied to the type of flat and your partner’s citizenship status.

Here’s how it works in simple terms.

1. Buying a BTO
If you apply under the Non-Citizen Spouse Scheme, you can only apply for a 2 room Flexi in a non-mature estate. HDB doesn’t allow larger BTOs for this scheme. So a 3 room BTO isn’t possible in your situation.

2. Buying a resale flat
This path is possible, but two things matter.
First, you must apply alone as the Singapore citizen, and your non-citizen partner is listed only as an occupier.
Second, there is a requirement that you must not currently own or have interest in any overseas or local private property. If you or your partner owns an overseas home right now, HDB will consider you ineligible for a resale purchase until that property is sold and the 30 month wait-out period is completed.

This is usually the biggest stumbling block for mixed nationality couples planning to buy a resale HDB.

3. About the financials
Your low CPF doesn’t stop you from buying a resale flat, but it means you’ll need more cash upfront. For a 3 room resale, the typical amounts you’ll need include:
• Option fee and deposit
• Downpayment
• Buyer’s Stamp Duty
• Renovation
• Agent fees (optional)

If cash is tight, we can structure the loan and payment plan for you, but first comes eligibility.

4. If you want a straightforward path
Right now, if the overseas property is still owned, a resale HDB most likely won’t be approved. The common alternatives are:
• Rent for now until eligibility clears
• Sell the overseas home and serve the required wait-out
• Consider entry-level private condos instead, which have no citizenship restrictions

If you’d like, I can break down the exact cash you’ll need for a 3 room resale or run through loan options based on your income and your partner’s status. Read More

Good day to you.

It's fantastic that you're taking steps to plan for your future. You can look into securing a resale HDB unit that was built from 1987 onward. Currently, these units could cost around $450,000 or even more, depending on factors such as the estate, floor level, condition, and how close they are to amenities. When it comes to affordability, your eligibility will hinge on your credit status and the HFE letter. As a first-time HDB buyer, you might also qualify for various grants to help you out.

May I suggest that we work things out together?

Navigating a property transaction can feel overwhelming, especially when tied to major life events. As a property consultant with 15 years of experience, I am here to provide not just market knowledge, but also peace of mind.
I specialize in sensitive property matters, offering expert guidance on:

Divorce & Asset Settlement: Helping you achieve a smooth and equitable outcome for your shared properties.
Intestate & Estate Planning: Simplifying the complexities of planning for the future or handling inherited property.
Complex Situations: From Lasting Power of Attorney to bankruptcy cases, I offer clear solutions to your specific challenges.

Ready to find clarity? Contact me for a free consultation today and let’s discuss how I can help you secure a confident future.

Regards
Mike Lim
Mobile: 96929209 
email: m52i@yahoo.com
R026708F
ERA

You can also follow my short videos for more tips:
https://www.youtube.com/@SGHomeCompass Read More