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I have a foreign spouse and we are living in a resale HDB (without grant) under my single scheme. We recently have a baby boy (Singapore Citizen) and the current flat is about to reach MOP soon.

For BTO under the Public Scheme,
1) can my wife be a co-applicant or co-occupier?

2)How will ABSD remission works for us if my wife is a (i) co-applicant or (ii) co-occupier?
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2 Answers

Dear Sir,

Your wife will need to be an essential occupier since she is a foreigner. There will not be any ABSD that is payable since if you purchase a BTO, it will be considered as your matrimonial home as you will be required to sell the current HDB flat.

Please feel free to contact me so that I can understand your situation better and provide you with further assistance.

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com

Visit my website to get to know me better:
www.nicktan.com.sg

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Robbie Chen Chee Howe
Hi Sir,

If your Wife is a non-Citizen, she will not be able to "own" the HDB flat, hence she can only be the "essential occupier" of the HDB flat that you're planning to purchase.

Also, there will not be any ABSD for the purchase, even if she becomes a PR and qualify to be a co-owner. This is because the HDB flat will be considered as your first matrimonial home.

I am experienced and well-versed in HDB resale transactions. My area of focus is in Central/Queenstown/Bukit Merah/West region, and I am blessed to have transacted several record-breaking "million-dollar" HDB flats over the past 1-2 years, with many others in the $900k+ range.

I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

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
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