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I can help you work out the financial implications of doing what you are proposing.

It depends on the timelines involved as well as the kind of HDBs you are buying.

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. Feel free to reach out to me via whatsapp or email below and we can discuss further.

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 grants are there to help the "needy" therefore if you have the necessary means to fund your purchase without the grant at this moment, anticipating future purchase of a subsidised unit, you should avoid utilising the grant as there will be resale levy applicable if you are purchasing a 2nd subsidised unit.

On hind note, if you are ready to purchase without grant now, it makes likely sense to consider buying a private as an upgrade after this purchase when your spouse obtains his PR status. In that circumstance, utilising the grant now will be sensible.

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

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Good day to you.

It's fantastic to see that you're focused on reaching your homeownership goals. The HDB Housing Grant is a valuable resource that can significantly enhance the affordability of your new home. Purchasing a unit under the Non-citizenship family scheme is a big commitment, so it's important to be mindful of your finances. I encourage you to consider leveraging the Housing Grant at this stage. When you're ready to move up to a BTO unit, your spouse will be able to contribute to the monthly payments, which will ease the financial load, not forgetting the possible funding from this upcoming purchase. By managing your finances wisely now, you can create a more enjoyable family lifestyle in the future.

Navigating a property transaction can feel overwhelming, especially when it intersects with major life events.
With over 15 years of experience as a property consultant, my role goes beyond market knowledge — it is to provide clarity, structure, and peace of mind through complex decisions.

I regularly assist clients with sensitive and non-standard situations, including:
• Divorce & Asset Settlement — guiding parties toward fair, practical outcomes for shared properties
• Intestate & Estate Planning — helping families navigate inherited property and future planning with confidence
• Complex Property Matters — including cases involving Lasting Power of Attorney, bankruptcy, or special circumstances

If you’re seeking clarity rather than pressure, I’m happy to have a conversation to understand your situation and outline possible next steps.

Mike Lim
CEA Reg No: R026708F | ERA
WhatsApp: https://wa.me/message/VCDD3MUYRD3JP1
Email: m52i@yahoo.com

If you’d like short, educational breakdowns on common property questions, you may also find these helpful:
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Hi

If you have plans to apply for new flat BTO next time as a first timer, I think its better not to take up the grants for the resale flat this time round if your finances allow. This improves your chances for your BTO application next time round and avoids the resale levy.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 home-owners to smoothly complete their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Multiple Diamond Achiever

SIEA's Salespersons Achievement Award (Platinum) 2025
SEAA Salesperson Achievement Award (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 226th Achiever in 2nd Quarter 2025 (Top 3% Company Level)
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SMU BBM (Finance), Magna Cum Laude
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✔1 If you plan to apply for a future BTO as a first-timer, consider holding back from taking resale grants now — provided your finances can manage without them.

✔2 Skipping the grant today may help preserve your first-timer priority later and reduce the risk of paying a resale levy.

✔3 Think long term — a short-term benefit now could affect your flexibility in the next purchase.

“Do not save what is left after spending, but spend what is left after saving.” — Warren Buffett
WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

-----------------------99Years------------------------999Years---------------------->>>

IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.

WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255  , Property Agent (Director ) or via this link:

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Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.

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如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。

✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255 
WhatsApp：https://wa.me/6598569255

✔✔✔查看我的客户评价：
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Hi Sir/Madam

Are you looking to sell/buy or rent out your property?

If you are currently navigating through any aspect of the real estate journey such as renting, selling, buying, or investing and need help, feel free to contact me for assistance. I am here to support you every step of the way.

I am well versed in HDB and Private Property transaction and have done many transactions
Appreciate if you can contact me at (65) 9 6 6 0 8 5 0 8 with details of your unit
or click here https://wa.me/6596608508 to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9 6 6 0 8 5 0 8
Email: Silviayang8@gmail.com Read More