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Hi Sir,

If you were to purchase a HDB resale flat, it will not be under Fiance/Fiancee scheme, but under Non-Citizen Spouse Scheme.

CPF Housing Grant is dependent on your combined monthly household income. HDB Loan is dependent on your sole income, as you're the sole owner of the flat.

I am experienced and well-versed in both HDB and private transactions. 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

Hi
Are you already married with your foreign wife? If you are already married with your wife, you can purchase a resale under non -citizen spouse scheme. If you are not yet married but above 35 years of age, you may proceed to purchase under singles scheme. For both schemes, you may apply for HDB loan. In addition for both schemes, you are also eligible for singles grant ($25k for 4 room and below, $20k for 5 room), EHG grant (amount depends on household pay) and PHG grant ($15K if live with parents, $10k if live within 4km of parents). You are eligible for this grant even if you are already married with your foreign spouse and below 35 years of age. The grant amount is typically half of what full pledged Singaporean couples get or half+$10k of what a SC/SPR couple gets. Should your foreign spouse become a SC/SPR or gives birth to a Singaporean child in the future, you are eligible to take up top-up grant the amount is the difference between the full grant and the current grant that you gets. This top- up grant will be credited to your CPF account and have to be used to offset your current housing loan. All this can be done without selling your house. As for your question on whether your wife is allowed to service the loan once she became a SPR (I assume this is your question), firstly your wife have to be named as an owner. You can thereafter request to HDB for your wife to be named as one of the borrower. Again this can be done without selling away your house. I am specialised in HDB transactions and have served a couple of buyers with foreign spouse like yourself in securing a house and claimed for the eligible grants as mentioned. In addition, most of my clients managed to secure a house without incurring any COV despite the seller's market situation nowadays. 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  Read More