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Hi, appreciate your sharing. If single require to be Singapore above age 35, proceed to do HFE before doing a purchase. It depends on your Loan and CPF OA plus cash on hand. For the sale proceed only come in after sale completion done. For CPF OA, returning will be 2 weeks later.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Good day to you.

In Singapore, single individuals aged 35 and above are eligible to purchase a resale HDB flat under the Single Singapore Citizen Scheme. To proceed, applicants should apply for an HFE letter, which must be approved before contacting a banker for financial arrangements.

Once the resale application is submitted, the standard processing period typically takes around 10 to 12 calendar weeks. It's important to note that with positive sales, all co-owners will need to open a joint bank account for the purpose of depositing the cheque issued by HDB.

Navigating a property transaction can be complex, especially with major life events. As a seasoned property consultant with 15 years of experience, I provide informed guidance on complex property matters.

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✔1 In Singapore, singles aged **35 and above** can buy a resale HDB flat under the **Single Singapore Citizen Scheme**.

✔2 Before any purchase, it’s essential to apply for an **HFE letter** first — this determines your loan eligibility, CPF usage, and cash requirements.

✔3 The purchase amount you can afford will depend on your **loan approval, CPF Ordinary Account balance, and available cash**.

✔4 Sale proceeds from your existing flat will only be received **after the resale completion**, while **CPF refunds** typically return to your OA **within about 2 weeks**.

✔5 Once your resale application is submitted, expect a **10–12 week processing period**, during which all co-owners must open a **joint bank account** for HDB’s cheque disbursement.

As Warren Buffett once said, *“Do not save what is left after spending, but spend what is left after saving.”*
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QUOTE OF THE DAY " In negotiations, the most important thin Read More

You can apply for HFE first and together with bank loan in principle approval to fully determine your finances eligibility to buy over the flat.

Process can be as fast as 2 to 3 months.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market. Check out the EdgeProp featured article on myself recently at https://www.edgeprop.sg/property-news/geryl-lim-leading-landed-real-estate-heart-hustle-and-harmony

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

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I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy. Happy to guide you through the entire process.

1) Can refer you to a few bankers now for an immediate conversation if you want to get an idea of your loan eligibility for the sale.

2) You may wish to refer to this page on the CPF refunds: https://www.cpf.gov.sg/service/article/what-will-happen-to-my-sales-proceeds-after-the-sale-of-my-property

Under a joint tenancy for an HDB flat, the cash proceeds are typically split equally by default, but HDB should issue a single payment in both owners' names.

3) Process from start to finish could be as quick as 2-3months if everything goes smoothly.

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More