AskGuru Q&A Community

Good evening Yi Chu,

you are buying with your married spouse under public scheme. Household income ceiling will be $14k instead of single $7k.

Grant will be based under first timer family $70k (SC+ SPR) for 4RM flat.

https://www.hdb.gov.sg/residential/buying-a-flat/flat-and-grant-eligibility/couples-and-families/cpf-housing-grants-for-resale-flats-families

Have anyone work out your numbers yet? Have you apply for HLE or IPA?

Hope my sharing helps in aiding in your enquiry. May I know how can I value add further in your property needs?

Best regards,

YT Tan
Property Kaki
You dream. I create. We make it happen!
Association of Chartered Certified Accountants Graduate
Singapore Accredited Mortgage Planner

Contact:
Mobile: 91115171  (wa.me/6591115171)
Email: yt.tan91115171@gmail.com

Do follow me on:

IG: instagram.com/propertykaki
FB: https://www.fb.com/propertykaki/
YouTube: https://bit.ly/Youtube_PropertyKaki

To find out what’s the estimated valuation of your existing house, try our SRX property tracker.

You will receive free sms update on a monthly basis.SRX property tracker: http://bit.ly/yt_proptrack Read More

Hi Yi-Chu,

The income ceiling in this case will be $14k per month. If you are buying 4-room size and below flats, the grants should be $70k (sc + spr couple) but it is best to call in to HDB to confirm as they have not clarified clearly the recent HDB grant increment amount for first timers SC+SPR married couple.

Hope the above clarifies. May I have more info and requirements about your plans so as 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

SEAA Salesperson Achievement Award 2021 (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
ERA Top 11th Achiever in June 2020 (Top 1% Company Level)
ERA Top 91th Achiever in 2nd Quarter 2020 (Top 2% Company Level)
ERA Top 15th Achiever in April 2019 (Top 1% Company Level)
ERA Top 86th Achiever in Sept 2019 (Top 2% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
Whatsapp: wa.me/6597432395
Email: Ivanng10@gmail.com
IG: instagram.com/ivanngrealtor
WeChat: ivanng10
FB: fb.com/IvanNgRealtor
Web: ivanng10.com/clientreviews
(Client's Testimonials)
CEA: R052114D

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

Buyer Mr Wang & Ms Ng : We want to convey our thanks to Ivan, who helped us find our first home. Ivan was very responsive when we first met, and took time to understand our needs and requirements for our first home. He helped us narrow down our criteria and gave us good advice on how to structure our mortgage as well. He also made a great recommendation of an area we never thought of, and it was where we eventually bought our home. We appreciate Ivan's thoroughness in pros and cons of all our options that we viewed. We never felt pressured or rushed to make a decision. In fact, Ivan gave honest and useful inputs on the considerations of acting immediately or waiting. All in all, it was a very smooth experience and we ate very happy with the unit we bought. Thank you very much, Ivan! Read More

Housing grant is based on combined household income thus it will be based on $14k income ceiling, however, since your partner will only be listed as an occupier, he or she maybe unable to use the CPF funds to finance this resale flat. Read More

Hi Yi-Chu,

1) When you buy under as a family nucleus, you are entitled to the SC/SPR family grant which is ($40+$30)k for 4-rm and smaller flats.
2) The income ceiling for buying under the married couple (Family) scheme is $14k.

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

Hope the above answer your main concerns, but if there are more queries, please feel free to contact me at 90110636  , or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

Note:
Any response to our answer does not reach us.
The best way to get a follow-up is to Whatsapp or email us directly. Read More

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here:
✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255  or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT : ）
“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”
=========
(4A)✅✅ For the Below Condominium that may Achieve TOP ( Temporary Occupation Permit / Relatively New Condominium which may faced Difficulties/ Challenges to rent / sell at your Expected Pricing as facing too many neighbour’s units competing to Sell / Rent Out ,...
(4B)✅ ✅ ✅ I am okays NOT TO be the Sole Exclusive Agent , but the “ Open Listing “, additional pair of hands to help you bring the matching buyer / tenant . “ May the Hardworking + Lucky agent close the Deal !!, ( Whether it’s me or another agent ,✅✅✅ I will still be HAPPY FOR THE OWNER !! ✅✅My advantage is : I myself , have a Small Team of Agents who will work together with me to cast a wider Marketing Nets to Reach Your Goal !!!
Below is a list for reference >> see if YOUR CONDOMINIUM IS BEING MENTIONED:
(4C)✅ ✅ ✅
(1) Affinity At Serangoon, (2) Canninghill Square, (3) Dairy Farm Residences
(4) Forett at Bukit Timah, (5) KI Residences At Brookvale, (6) Kent Ridge Hill Residences
(7) Leedon Green, (8) Lavender Residence, (9) Meyer Mansion
(10) MeyerHouse, (11) Midwood, (12) M Suites
(13) NoMa, (14) One-North Eden, (15) One Pearl Bank
(16) Phoenix Residences, (17) Riviere, (18) Riverfront Residences
(19) Tedge, (20) The Atelier, (21) The Iveria
(22) Verticus, (23) Zyanya, (24) Mayfair Gardens

(5A) ✅ ✅ >> FOR NEW CONDOMINIUM IN
✅ ✅ YEAR 2025 / APARTMENT PROJECTS In Singapore
(5B) ✅ ✅ the LIST :
(1) Arina East Residences, (2) Aurea, (3) Aurelle of Tampines (EC)
(4) Bagnall Haus (former Bagnall Court), (5) Bukit Timah and Duke's Road, (6) ELTA
(7) Former Anson Centre, (8) Former Robertson Walk, (9) Keppel Bay Plot 6
(10) Lentor Central Residences, (11) Marina Gardens Lane, (12) Media Circle GLS
(13) Newport Residences, (14) Orchard Boulevard GLS, (15) Parktown Residence
(16) Plantation Close (EC) (2), (17) The Orie, (18) W Residences Singapore- Marina View
***(5C) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!
*** Connect Singapore Line: (65) 9856*9255
FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More

Are you aware of the latest interest rates for home loans in Singapore? Is it time to look into refinancing your home loan? Let us know how we can assist you further. Read More