4 Answers

askguru expert
Hi there, thanks for writing to us on AskGuru.

If you are buying a Built-To-Order (BTO) flat, you will have to wait out a 30-month period before you can apply for one.

If you are buying a resale HDB flat, you will have to dispose of your overseas property before or within 6 months of your resale flat purchase.

Hope this answers your question.

Best Regards,

Team PropertyGuru Read More


Gavin Ng

You may text 9620 0827 for a casual chat. We have helped numerous SC/SPR and SPR/SPR who has owned overseas property in particular Malaysia.

Warmest regards

Gavin Read More


Ling CK

1) You have 6 months to dispose of your overseas residential property upon key collection of your HDB purchase.
2) This is applicable to SC and SPR without exception.
3) You may apply under the Public scheme or the fiance/fiancee scheme depends on whether you are married.
4) If you have done your solemnization in Singapore, you will not need to submit your marriage certificate, else, need to submit it within 3 months upon key collection.
5) Since your partner is an SC, you may apply for HLE which is the most helpful for the young couple to start their family, although the interest rate is twice of private banks.
6) Downpayment is 10% for HDB loan, and this 10% can be all CPF and/or grant. This will greatly be easing your monthly mortgage pressure. You may do multiple top-ups during the mortgage period without any penalty or administration charges. Best of all, you can do it at your HDB branch office without worrying about the long queue at the HDB HQ.

Hope the above answer to your main concerns, but if there are more query, 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

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Robbie Chen Chee Howe

You do not have to wait to sell your property before you purchase a HDB flat. In fact, you can purchase the HDB flat first, and then sell off the overseas property within 6 months upon the HDB flat purchase.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require 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 in the current market.

Thank you.

Best regards,
Robbie Chen
9748 6305
PropNex Realty Read More