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Dear sir/mdm,

Unfortunately, if you are not an owner, you are ineligible to become a borrower or guarantor. I am unsure why are you planning to hold on to the HDB, is it due to sentimental reasons or do you project a price surge in future so that you are looking to make more out of the sale eventually when it peaks?

Warmest regards,
Geryl Lim
Associate Deputy Group Director
Salesperson Registration No. R014783H
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
[main] +65 6471 8888  [mob] +65 81577565  [LDA] +65 92787772 
www.geryllim.com
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Hi,

If you want to include your income for loan application purposes, unfortunately you have to be included as co-borrower and co-owner as well. This means ABSD is applicable.

There are other possible ways to try to bump up the loan quantum. Perhaps we can explore that together? May I have more info and requirements about your plans so to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Diamond Achiever

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**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! ** Read More

HI,

While your wife can purchase a private property under her name, the loan can only be based on her income and cannot include you.

Perhaps we can discuss more about what your plan and what the reason for keeping the HDB so we can devise the most suitable plan for you.

Feel free to contact me at 92707548  to discuss further.

Thanks!

Alan Sng
PropNex Read More

Hi;

There are few ways to increase her loan amount. But before I can advise further, I would need more info from you first so I can suggest the best possible options for you. I also can help you to restructure in such a way that you can minimised your ABSD too. Please do get in touch with me for further discussion as I'm unable to contact you here. Thanks

Regards;
Lyna Song
 9623 8442 
Associate Group Director
Propnex Realty Pte Ltd
lynasong@hotmail.com
https://r025113i.propnex.net Read More

Hi

Unfortunately, you could not include your name under te loan application if you are not the owner. I do provide free and non obligatory consultations on regards to property transactions in Singapore. Do contact me at 93375051  for a discussion on this.

Regards
Taufik Hussein
ERA Realty Network Pte Ltd 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 https://bit.ly/WaSilvia to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9660 8508 
Email: Silviayang8@gmail.com Read More

Hi Sir,

MAS states that Owners need not be Borrowers, but Borrowers must be Owners of the property. Hence, if you're not the owner of the property, your income will not be used for loan assessment.

Based on your described situation, I may have a solution for you to explore and consider. Do get in touch with me for a more in-depth discussion on how to go about your property plans.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans.

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