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I am Singaporean who is married. I live in overseas with my husband and child(who are non-citizens). I would like to purchase a HDB flat in Singapore. Can I buy a new flat or resale flat? Is my employment a factor in the buying process or can I use my husband's income for my basis of mortgage payment?
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4 Answers

Hi Ms Shilpa,

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D Kumar
 +65 96659926 
ERA Associate Division Director
www.kumarrai.com
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Afternoon Ms. Shilpa,

As you will be getting HDB unit under non-citizen spouse scheme, your income will be used for the mortgage assessment.

FYI
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More
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YT Tan (陈永达)
Good evening Shilpa,

You can purchase a resale HDB under non citizen spouse scheme and only your income will be taken into consideration for obtaining mortgage.

To purchase a BTO, your spouse must be at least a SPR. Hope my explanation helps!

If you need any assistance or advice in your property purchase, feel free to contact me. Cheers!

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com Read More
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