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Hi,

Based on your description, you can qualify for a HDB resale flat under the "Non-Citizen Spouse Scheme."

However, to determine if you're eligible for HDB loan (and also Housing Grants), your household income will be taken into consideration. This means that you and your wife's combined monthly income cannot exceed $14k.

If your combined household income is above $14k, you will not be eligible to take a HDB loan. You can only qualify for a bank loan.

If your combined income is below $14k, then only your sole income will be used for loan assessment. You will be able to qualify for CPF Housing Grant and Enhanced Housing Grant too (if your income is below $9k).

In future, if your Wife attains SPR or Citizenship, you will be able to add her name into the HDB flat. Only after adding her name in to the property then she will be able to use her CPF funds to finance for the flat.

I am experienced and well-versed in both private and HDB resale transactions. I will be able to assist you in your housing plans. Please get in touch with me for a more in-depth discussion.

Should you need require 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 in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More

Hi Sir/Madam

I will be glad to assist

I won't be able to contact you first as I do not have your contact, appreciate if you can contact me at (65) 96608508  or Silviayang8@gmail.com
or click here http://bit.ly/2tzIQ1a to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

PropNex Realty Pte Ltd
Mobile: (65) 9660 8508 
Email: Silviayang8@gmail.com Read More

Greetings from Ohmyhome!.

We are able to assist you on this matter.

For more information, kindly contact us at 68869009  or WhatsApp us at 97551009  .

Richmond Chia
Senior Advisor
Ohmyhome Pte Ltd Read More