Asked by San
I used to have a matrimonial home(a 4-room flat) with my ex wife. Upon divorce i surrendered all my cpf OA for the sake of our child.
Fast forward 6 years later, I'm remarried with a foreigner(on ltvp) and my cpf OA is currently just under 12k. To add on to that, I'm under the DRS scheme with 2 more years to complete.
Bank loans are out of the question for me, hence HDB loan is my only option.
My salary is currently at $2,800. Cash on hand i probably can come out with $20k+
What are my options? I'm in my late 30s, and in the midst of rebuilding my life from a bad bout of depression and finally i have a found a suitable life partner.
Currently I am renting a place in JB as multiple times asking for a rental home(my salary was $1600 before this) via hdb/MPS/PMO office were fruitless. I was renting a space in sg before but the rents were too much for me to bear, hence I relocated to JB together with my wife.
1) Will my wife working and taking a salary in Singapore help with the HDB loan? We can get her a job working from home. Do you think this is a better chance for me to secure a higher % loan from HDB?
2) Currently I am the only sole breadwinner. If I apply as a sole owner, and my wife as an occupier, is this still possible to get a HDB loan?
3) We have been putting having plans for a child off because of not having a stable home, for the sake of options; if she's pregnant, will it help the situation(for the urgency of securing a home in singapore)
I sincerely hope that I can find options from this forum as I have been wringing my guts to get my life back in order.
Thank you in advance for reading.
Regards,
San
Fast forward 6 years later, I'm remarried with a foreigner(on ltvp) and my cpf OA is currently just under 12k. To add on to that, I'm under the DRS scheme with 2 more years to complete.
Bank loans are out of the question for me, hence HDB loan is my only option.
My salary is currently at $2,800. Cash on hand i probably can come out with $20k+
What are my options? I'm in my late 30s, and in the midst of rebuilding my life from a bad bout of depression and finally i have a found a suitable life partner.
Currently I am renting a place in JB as multiple times asking for a rental home(my salary was $1600 before this) via hdb/MPS/PMO office were fruitless. I was renting a space in sg before but the rents were too much for me to bear, hence I relocated to JB together with my wife.
1) Will my wife working and taking a salary in Singapore help with the HDB loan? We can get her a job working from home. Do you think this is a better chance for me to secure a higher % loan from HDB?
2) Currently I am the only sole breadwinner. If I apply as a sole owner, and my wife as an occupier, is this still possible to get a HDB loan?
3) We have been putting having plans for a child off because of not having a stable home, for the sake of options; if she's pregnant, will it help the situation(for the urgency of securing a home in singapore)
I sincerely hope that I can find options from this forum as I have been wringing my guts to get my life back in order.
Thank you in advance for reading.
Regards,
San
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