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Good afternoon Oscar,

I have checked with bankers before on similar situations before. You might have difficulty to obtain max bank loan within 1 year from your clearance.

It will be best that my banker can advise you more on this.

But do take note that owners not necessarily be the borrowers. Both of you can be owners but loan can solely based on your spouse's income.

Nowadays more buyers obtain bank loan because the interest rates still remain low and its still lower than HDB loan.

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YT TAN 陈永达 | ACCA Graduate, RES
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R043025D
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Dear Oscar,

Re: Today’s SG Professional Choice- SGAgent.com & SGRealtor.com

Simple, just apply for HLE application n walk in various banks located at same shopping mail for professional housing loan consultation. As worries not worthwhile, just apply and see. Nothing much you can from your side too.

Do not reply to this thread as we will not be alerted to any response posted on this thread. Get in touch with me via email or through my mobile.

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In all Areas of Singapore. Sale/Buy/Lease/Rent, Please call and/or drop me an email me. I’m always at your Services.

Onassis Gan | R021244C | Today’s SG Professional l SGAgent.com & SGRealtor.com

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Evening Oscar,

Based on my experience, bank will not be willing to process your mortgage application unless you have managed to maintain a clean record for 2 years and above. Should you try to apply for HLE or bank loan with your spouse, it would be likely they will consider your spouse income only.

FYI
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More

Hi Oscar,
Generally to maintenance a clean record of 2 years. For HDB loan, you may appeal base on you last 2 years CPF contribution. Pls drop me an email for me to assist you.

To assist and advise you more in details, kindly drop me an email for me to share.

I am contactable at my mobile or email.

CK Ang
 9046 3808 
res.ckang@gmail.com Read More