Hi
I am glad to inform you that one way you can consider is to name yourself as the sole owner while your father will be the occupier. You are still eligible to purchase a HDB although you are below 35 as HDB would deemed it as purchasing under public scheme with your father being the essential occupier and form a family nucleus with you. If you are a Singaporean and provided your father have not taken more than 1 HDB loan, you are also eligible to apply for HDB loan. For first timer grant, you are only eligible if both you and your father is a first timer. If you want to name your father as a co owner, you may apply for a bank loan with one borrower and 2 owners although you need to be careful as not all banks will allow this. Should you be the sole owner or sole borrower, only your income and credit rating will be taken into account for assessment. There are actually a few solutions for your case but I will need more information on your profile before being able to advise on the best approach. I am well versed in HDB transactions and have assisted various profile of buyers in purchasing a HDB with a vast majority of them not incurring any COV. Do contact me at
93375051
for a free and non obligatory discussion on this.
Regards
Taufik Hussein
Marketing Director
ERA Realty Network Pte Ltd
CEA Reg No: R061607B
Contact No:
93375051
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