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Hi, firstly congrats on your upcoming wedding and wish you bliss in future days. For the purchase of foreign properties, you will have to declare that you do not own any foreign properties or dispose of it within 30months, I think they will deem it as your property as long as it is under your name. However, of course you can appeal this with HDB and see what they say. Yes if your spouse is a PR, you are eligible for more grants and loan amount.

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If you are interested in prices of houses in your neighbourhood, you may visit this website to find out more or contact me .

https://www.era.com.sg/R064892F

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Landon Chew
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Congrats to your wedding this year! You have done your fair share of homework looking at what you have put in here. The only uncertainty here is the appeal to waive off the 30 months before buying HDB. If there are avenues for the JB property to be parked under your boyfriend's parents instead, that would resolve plenty of issues when it comes to your HDB purchase. Read More

Buying a Property in JB:

Cooling Period: Your understanding of the 30-month cooling period for buying an HDB resale flat after owning property overseas is correct.

Ownership Transfer: While transferring ownership to your boyfriend's father might seem like a workaround, HDB might investigate the purpose and details of the transfer. Transparency is key.

Non-Citizen Spouse Scheme:

Eligibility: The Non-Citizen Spouse Scheme applies when a Singaporean citizen (you) and a non-citizen permanent resident (not applicable for work permit holders) buy an HDB flat together. Since your boyfriend is currently a work permit holder, this scheme wouldn't be applicable in your situation.
HDB Loan and Grants:

Eligibility for Loan and Grants: To be eligible for an HDB loan and grants, you'll both need to be eligible HDB flat buyers. Currently, your boyfriend's work permit holder status hinders this.
Applying as SC + PR (After PR Status):

PR Status Required: The higher grant amount of $70,000 under the SC + PR scheme requires your boyfriend to obtain Singapore Permanent Residency (PR) before applying for an HDB flat together.
Location and Grants:

Proximity to Parents: Being near your parents doesn't directly qualify you for higher grants. However, there might be Proximity Housing Grants depending on your specific situation and the location of your chosen flat relative to your parents' residence.
Recommendations:

PR Application for Boyfriend: Consider advising your boyfriend to explore applying for Singapore PR status. This would open doors for HDB purchase opportunities and potentially higher grants after meeting eligibility requirements.
HDB Eligibility Check: Once your boyfriend achieves PR status, you can both approach HDB directly to check your combined eligibility for HDB loans and grants. They can provide the most accurate and up-to-date information based on your specific circumstances.
Consult an HDB Licensed Agent: An HDB-licensed agent can guide you through the process, eligibility criteria, and potential grant options considering your future PR status and combined income.
Remember, transparency with HDB regarding any property ownership overseas is crucial. Read More