Assuming your husband is SC, for resale hdb no issue, you can buy with him but have to dispose condo thereafter. If he has only taken hdb loan once, he might qualify for hdb loan again assuming the monthly income does not exceed a certain amount. Yes you can add in the child's name as part of application.
May I have more info and requirements about your plans so to make better recommendations? Thanks and look forward to value-add to your housing plans.
Ivan Ng ERA ASAP
(ASk Anything Property)
Proactive. Sincerity. Feedback.
SMU BBM (Finance), Magna Cum Laude
Contact: (+65) 97432395
Facebook Page: www.facebook.com/ASAProp
--- HDB Flat Sellers Uncle "Seng" and Mdm. Png ---
Translation from Mandarin:
We are from the Pioneer Generation, already in our 70s, and have no experience selling HDB flat. As our new BTO is arriving, we considered selling our flat earlier.
We felt he was a patient agent who is willing to hear out our plans and concerns, and explain new HDB selling procedures clearly to us. He is also a hardworking agent who did Roadshows for weeks to create awareness for our unit, and we quickly found a buyer through this avenue.
We also appreciate that he made the extra effort to accompany us down to the Banks and Town Council to help us with the outstanding paperwork procedures, and ensure the sale go through smoothly. Throughout the process, we always felt assured and happy, as Ivan was always professional, accessible and saw things through till conclusion. Ivan will remain as a family friend and we will be glad to invite him over for coffee when our BTO is ready.
--- HDB Flat Sellers Mr. Hayum and Ms. Azizah ---
Ivan has justified our faith in appointing him as our Exclusive Agent. He transacted our unit at 620k, above valuation & highest price ever achieved for our block, within 2 months.
In a slow market, you need a proactive & committed agent who puts the extra effort. Besides advertising in papers & online intensively, he also had personally distributed flyers & spoke to potential buyers in neighboring blocks to increase exposure. Every week there were viewings & feedback.
He actually secured 2 attractive offers but assessed that the 2nd one will be a more smooth transaction. We're glad to have proceeded with his advice for a successful completion. Throughout he was professional and responsive. We wish him a great career and will be happy to recommend his services.
--- HDB Flat Upgraders Mr. & Mrs. Lee ---
We decided to engage Ivan as our agent as we were impressed with how he answered the enquiries on property guru website.
He has helped us to find our ideal unit and also sold our current unit. He was very patient and never pushy when we were looking for our ideal unit. He would tell us that it is always important to find a unit that we really liked.
When it comes to selling of our unit, he was always prompt in arranging for viewings and he also tried his best to arrange and consolidate the viewings due to our time constraints. He is a reliable and prompt agent and is always willing to clarify any concerns and questions that we have.
Thanks Ivan! :)
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1. You are eligible to buy a resale if you husband is a SC. If he is an SPR, both you and your husband must be an SPR for a minimum of 3 years. Please note that to buy a resale HDB, you must dispose of your condo thereafter.
2. He will only be eligible for bank loan subject to the bank assessment.
You may want to write to email@example.com for an appropriate answers to the other questions as we need to affirm on certain information such as your husband residency status, purpose of using you child in the application etc.
You can purchase resale hdb with your husband. If he did no utilized 2 time hdb loan, then assessment for loan quantum is required. Please drop me an email for me to share more details.
To assist and advise you more in details, kindly drop me an email for me to share.
I am contactable at my mobile or email.
Even If your husband is a Citizen, both of you are not eligible for new BTO as you will have to fulfill a 30-month wait out period before you can apply for new BTO flats.
You can however purchase a resale HDB flat. Both you and your husband can be the co-owners of the flat, with him the sole mortgagee for the flat.
Should you need any 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.