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Hi Sir,

As your fiancée is currently not working, HDB or the bank will not be able to take her past income into consideration. The loan granted will be based on your sole income instead. At least 3 months of income is required for you to apply a loan.

Have you applied for HDB HLE or did a bank In Principal Approval while she was still working previously?

Please feel free to contact me so that I can understand your situation better and assist you accordingly!

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS)
Cert-in-REA
(E) nick96444854@gmail.com
(W) www.nick-tan.com

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Ms Chia (Buyer of HDB)

“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.”
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Mr & Mrs Tan (Seller of Inter-Terrace House) Read More

Afternoon,

Every individual mortgage loan applicant will be required to submit at least 3 months worth of income documents and past 12 months CPF contribution statement. Without this, the financial institute will only assess the party that is still employed.

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

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

Hi buyer,

Of course you can apply for a flat, if your income can get you the relevant loan amount.

Feel free to contact me at your convenience, and I'd link you up with my banker first, to do a loan assessment for you.

Thanks and regards,
Teck Chuan, Ng
BBA (Finance), NUS
ERA Realty Network Pte Ltd
Mobile: 9137 4602  Read More

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Hi,

The loan now will be based on your sole income only as a minimum of 3 month pay slips are required for fixed salary personnel. Have you gotten a HLE for hdb loan or IPA for bank loan done recently? Thanks and hope to assist with your housing plans further.

Warm Regards,
Ivan Ng ERA ASAP
(ASk Anything Property)
Proactive. Sincerity. Feedback.
SMU BBM (Finance), Magna Cum Laude

Email: Ivanng10@gmail.com
Contact: (+65) 97432395 
Facebook Page: www.facebook.com/ASAProp
Website: http://www.ivanng10.com/#!reviews/c11r1
(Client's Testimonials) Read More

Good afternoon,

I will recommend you to sort out your loan first be it HLE (HDB loan) or IPA (bank loan).

With that on hand, you will have a better idea what's your affordability.

In your scenario, if you will like to apply for mortgage application, most likely only your income will be taken into consideration as financial institutions will require past 3 months pay slips.

If not you might want to consider purchasing a resale flat after your fiance is back in the workforce for at least 3 months.

Hope my sharing is beneficial to your property purchase.

May i know how can I continue to value add in this purchase?

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
R043025D
Propnex Realty Pte Ltd

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W):www.yttan.com Read More