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Good day to you.

Your initial HDB acquisition falls under either the Single scheme or Family scheme, with your spouse being a Singapore Permanent Resident (SPR). After getting married or once your spouse transitions to Singapore Citizen (SC), you utilized the Top-grant for your second purchase.

If I have accurately understood your circumstances, both of you qualify for a BTO application, subject to the existing HDB eligibility criteria. I suggest that you submit your HFE letter for evaluation before proceeding.

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Have you already fulfilled your Minimum Occupation Period for the 2nd resale unit? If you have, you can actually apply for HFE and look into your eligibility for BTO.

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I have been in the real estate business since 2009, with more than 15 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 15,900 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.

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Hi

First house is subsidized flat, second house only half grant taken, is it the proximity housing grant? To confirm eligibility of BTO, you can apply HFE letter to confirm.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
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I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

1. First check if your second resale flat has already cleared the Minimum Occupation Period.
2. Once that’s done, you can submit an HFE application to review your financing and eligibility.
3. If approved, you’ll then be able to consider applying for a BTO flat under the current rules.

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QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More

Hi,

From my understanding, there will no longer be any CPF Housing Grant for you when you're purchasing your second resale flat, as you've already utilized it for your first flat. Hence, I supposed you mean $20k Proximity Housing Grant that's for staying near your parents?

If that's the case, you may be eligible to apply for a BTO flat as a "second-timer". This is provided that you meet all other eligible conditions, i.e income ceiling etc.

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

Hi, appreciate your sharing. You can proceed with HFE online on HDB website to determine the outcome.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

You can apply for a BTO, but there are a few things to note:
1. Eligibility – HDB will check your household’s grant usage history. Since you’ve received previous CPF/HDB grants for both resale flats, the amount of grant you can claim for a BTO may be reduced or you may not be eligible for certain grants.
2. HDB Loan Eligibility – If you’ve taken a full HDB loan for your first flat, your remaining loan limits and repayment capacity will be considered.
3. Income Ceiling & Family Nucleus – Make sure you still meet current BTO income ceilings and family nucleus requirements.
4. Resale Restrictions – You may need to dispose of existing properties before taking possession of a new BTO, depending on HDB rules.

If you want, I can run through your exact grant eligibility and what you can apply for before submitting a BTO application. You can WhatsApp me at 9657 6701  . Read More

Have you applied HFE?
I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More