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EC from developer is considered as subsidized public flat. Thus you have to meet the minimum eligibility, that is there must be minimum a SC in the formulae.
Even eventually your wife received a PR status with 3 yrs residence status, you are only entitled to resale HDB flat.
Thus Aaron is correct, if you are keen in EC, that has to be a resale EC (EC reached 5yrs MOP).
With your current budget, it is therefore buying a resale HDB is a better option. A new EC with only 2 rooms already exceeded your budget.
Hope the above answer to your main concerns, but if there are more queries, please feel free to contact me at 90110636, or email: firstname.lastname@example.org if more information is needed.
I'll be glad to assist.
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I regret to inform you that you are not eligible to apply for new EC, as you need to be Citizen to be eligible.
You are also not able to purchase a resale HDB as your wife is not a PR. Only after she meets 3 years upon getting PR then will you be eligible to purchase HDB resale flats.
I would say, your only option now would be private property.
Should you need any further assistance in matters relating to property, please contact me at my mobile 9748 6305. I will be happy to assess and share with you the possibilities for you and your partner in the current market.
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