AskGuru Q&A Community

Dear sir/mdm,

Do you have a time frame about returning to Singapore in this case? In terms of purchasing of resale flat, you are eligible under foreign spouse scheme if your spouse has a long term visit pass since you are below 35. If you are above 35, your spouse just requires a valid visit pass at the point of resale application. In terms of loan, you can be eligible of HDB loan or take up a private home loan with an approved financial institution in Singapore. Of course, your income has to be recognised by the lenders, thus you may wish to contact a banker in Singapore to do an assessment.

Do take note that all HDB purchases will be subjected to 5 years Minimum Occupation Period, and during this period, you are not allowed to rent out the apartment. Since you are based overseas, your MOP will also not be counted as you will be required to be physically residing in the apartment as your primary residence.

I have been in the real estate business since 2009, with more than 13 years of experience serving the Singapore real estate market.

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.

Over the years, I have also established a network reaching out to more than 9,400 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Associate Group Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

-----

Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore

Pick up knowledge, skills and Real Estate concepts at https://www.facebook.com/RealEstateXcellence/

New Singapore Expatriates on facebook is up and running. Come join us at https://www.facebook.com/groups/newsgexpats/

-----
Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Hi,

1) You and your foreign spouse are eligible to purchase a resale HDB flat under the non-citizen spouse (NCS) scheme.
2) Since you are under 35, your spouse must obtain a long-term-visit pass, or work permit in order to qualify under the NCS scheme.
3) You also qualify for the HDB loan, but only your income will be under consideration since a foreigner cannot be an owner of the flat. Only the owner's income is eligible for the tabulation of the loan amount.
4) The new HDB loan tabulation is based on the past 12 months' income. So you may have to include your current payslips when applying for the loan.
5) You can only apply for the HFE (HDB Flat Eligibility) after your spouse obtains the valid pass.
6) Do be reminded that both of you have to apply for the Singpass once you return to the country. We are relying a lot on the Singpass when buying a property in Singapore.
7) This is the link for the Singpass application:
https://www.singpass.gov.sg/home/ui/register/instructions
8) This is the link for the HFE application:
https://www.hdb.gov.sg/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/application-for-an-hdb-flat-eligibility-hfe-letter

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
9011....
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

Hi, appreciate your sharing
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

Hi,

If your spouse is a foreigner, you can only purchase the HDB flat under Non-Citizen Spouse Scheme, providing she has a valid long term visit pass of at least 6 months upon resale application. This means that you will be the sole owner, with your spouse as an essential occupier. As for loan, it will be entirely based on your sole income.

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 +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More