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Good day to you.

The straightforward response is NO for both situations.
You qualify to buy a resale HDB flat under the Single scheme. After registering your marriage, his name will need to be included as an essential occupier. This would render him ineligible since he possesses a private property.
If you decide to buy a resale HDB flat after your marriage registration, the same criteria will still apply. The main applicant and the essential occupier must not own any private property, both inside and outside of Singapore.
If given the option, the second scenario would be more advantageous, as both of you would still have the choice not to purchase the HDB unit and retain the overseas property.

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Hi, appreciate your sharing. Able to write in to HDB to check for you.
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) Both methods are non-workable.
2) If the residential property is unable to dispose due to family financial difficulty, I would encourage you to write an appeal letter to grant you buying without him from disposing it.
3) Buying a matrimonial home is a big thing in our life, do not get yourself entaggle with unnecessary worries after buying.

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.

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Ling CK
 90110636 
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As a married couple is considered as a family unit, both husband and wife can therefore own only 1 HDB flat at any one time, and will need to be listed as a co-owner or occupier in the same flat.

Once you ROM, it is unlikely that you will have your HFE approved for the purchase of the HDB as both of you will be considered together in the (in)eligibility for the resale HDB.

If you do go ahead with your resale purchase before marriage, you and your husband would likely be asked to dispose of the private property or HDB within 6 months.

Nevertheless, there are some potential grounds for appeal that you may explore in either situation.

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. I would love to schedule a free consultation to discuss your options if you need any support.

Feel free to reach out via whatsapp or email.

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

Technically speaking both methods are not workable, however, I have heard of similar situations where the couple are able to retain both their properties although personally I have not had any such encounters.

——

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.

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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

✔1 both current approaches is NEGATIVE

✔2 If the property cannot be sold because of family financial challenges, consider writing an appeal to request approval to purchase without needing to sell the existing home..

As Winston Churchill once said, “Let our advance worrying become advance thinking and planning.”

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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

Hello!

Scenario 1: Buying Before ROM (as Single)
If you buy the resale flat before you get married, the purchase is treated under HDB's Single Singapore Citizen Scheme.

- Your boyfriend’s overseas property is not relevant because HDB assesses only your ownership status.

- After you ROM, the flat remains solely owned by you; your husband (foreign citizen) can be listed later as an essential occupier, but not as co‑owner.​

- In this scenario 1, there is no requirement for him to sell his overseas property, since he is not an owner or applicant in your HDB purchase. Thus, he can continue to keep his foreign property after marriage.

Scenario 2: Buying After ROM
Once you are married, your purchase will fall under HDB's Non‑Citizen Spouse Scheme.

- You remain the sole legal owner, and he is an essential occupier with no ownership rights.​

- Under HDB and CPF rules, spouses who are foreigners do not need to dispose of overseas properties to qualify for a non‑subsidised resale flat purchase.​

Hope this helps! Feel free to reach out if you require any assistance!

Cherry Ling
 +65 9828 3457  Read More