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I just got my Singapore citizenship Approval in Principle letter in this June 2017 and will be going through the Citizenship learning journey which will finish in Aug. My husband is SPR. We are interested to buy resale HDB flat and have two questions:
1. When are we eligible to buy HDB resale flat? Is it after I finish the 3 step learning journey and have the approval letter in Aug? Or must it be after I finish all the paper work and getting temporary ID?
2. Starting this April 2017, our monthly salary adds up to be S$12,144. However our average monthly salary for past 12 months is definitely below 12K. But now it's only 144 over the ceiling. For such situations, can we try to negotiate with HDB to be eligible for BTO flats or HDB loan? We both just started working for 3-4 years and we don't have a lot of savings and hope to leverage on the government schemes.
Thank you.
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4 Answers

Mike Lim
Replied
Good morning,

It would be good to obtain your Singapore IC first before we proceed with the purchase. And since you are looking at HDB loan, based on the figures that you have provided, we can write into HDB to work on your case.

Do feel free to contact me should you require additional assistance.

Regards
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More
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Robbie Chen Chee Howe
Replied
Hi Ms,

Congratulations on your step to becoming a Singapore Citizen!

To emphasis on your situation, you are only eligible to purchase as a SC/SPR nucleus when you finally attained Citizenship status.

If you are both SPR/SPR and has been for 3 or more years, you can still proceed to purchase a HDB flat. However, do take note that you will be liable for an ABSD of 5% in this scenario.

As for your household income exceeding the ceiling, you would have to write in to HDB to appeal.

Based on your income, you should not have a problem for loan. It might just be the initial downpayment for the flat that you're worried about. Have you worked out a comfortable sum yet?

Should you need any 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 and your partner in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More
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  • PZ
    Replied
    Hi, thank you. One more question, for SC/SPR nucleus, are we still liable for the additional stamp duty of 5%? We have written to HDB to appeal and will seek your assistance once we get a clear picture. Thanks.
Edvan Lee CK 李钊昆
Replied
Dear Miss,

BTO is good to begin with but not with HDB loan. Please do drop me a message and I can explain in more in depth details on the WHY!

Sincerely,
Edvan
 84241222  Read More
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GAN ENG JOO ONASSIS
Replied
Dear Buyer,

RE: SINGAPORE PROFESSIONAL REALTOR SERVICES BY “ONASSIS GAN” – SGAGENT.COM

I would be glad to partner you in this property purchase assignment. Do share more details before I can do any matching for you.

Onassis Gan | R021244C | Today’s SG Professional l SGAgent.com & SGRealtor.com
ACTA (Full); PDCE (Singapore); MSc BIT(Middlesex); BBA (South Australia)

Singapore Line : (+65) 92222389 
Malaysia Line: (+60) 111-0788889
Email: onassis@sgagent.com / sgrealtor.com
Skype: incomecare

SGAUCTION.COM & SGDEAL.COM - "ONASSIS GAN" Trusted 100% by SG Property Owners- Exclusive Sales Team Read More
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