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The default situation requires both of you to wait until you get the marriage certificate as the fiance-fiancee scheme does not apply in your case.

You may wish to approach HDB to see if they can grant special approval for you to look into purchasing a HDB before your marriage.

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Hi,
Legally, a foreigner cannot apply for a HFE either jointly or as a single. The qualifying criteria is the ROM Certificate.

So, on the day you get the ROM Certificate, you should jointly apply for the HFE. In the meanwhile, as HDB requires personal and financial details of the both of you, you should get the relevant income statements ready. Both your incomes will be required to compute your grants, loans etc. HDB computes on 12 calendar months.

If your joint incomes are below 14k you would qualify for BTO and resale application. If your joint incomes are below 16k, you qualify for Executive Condominium application.

Please contact me so that I can be of further assistance.
Cheers!

Elan Govan
MABA (Lancaster)
 90170747 
jayelan@gmail.com
www.goodpropertiesguide.com Read More

Good day to you.

Unlike the Fiancé and Fiancée scheme, the Non-citizen Spouse program stipulates that the main applicant must be legally married to their partner. With your ROM certificate, you can submit your HFE letter for assessment based on your financial status, with your spouse listed as the essential occupier. From there, we can work together to fine-tune your budget and take the necessary steps to secure the unit you both desire.

I'm here to help you every step of the way in finding your dream home.

Navigating a property transaction can be complex, especially with major life events. As a seasoned property consultant with 15 years of experience, I provide informed guidance on complex property matters.

I assist my clients with -
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Hi

For foreigner spouse, there is no fiance/fiancee scheme available, so you need to wait until the marriage cert is approved by ROM before you can be eligible to apply for HFE letter.

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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You would need to wait before applying for the HFE. Nevertheless, it is the best time to start now with the home buying process and get a sense of what the finances might look like, as well as what your joint vision of the matrimonial home might be.

If you are ready to kickstart that journey now, I'll be happy to guide you through the process (financing, timelines, home-attributes etc), and work alongside the both of you to secure your dream home :)

I'm a Harvard graduated real estate agent with a degree in economics, and have supported clients on more than $1 billion in transactions. I can help with sourcing, viewing, own-stay & investment analysis, market comparatives, timeline planning, safe entry pricing and more.

Happy to schedule a free session to get the both of you started. Please reach out below :D

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Hi,

1) You will only be eligible after being legally engaged.
2) Thus, you have to complete the ROM first before able to apply for an approved HFE under non-citizen spouse scheme.

All The Best!!!

Hope the above answers 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
 90110636 
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/

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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

For HFE, HDB generally requires proof of marriage before you can proceed under the non-citizen spouse scheme. If your ROM is only happening end-2025, you likely won’t be able to apply using “upcoming marriage” as basis. The marriage certificate is usually needed to establish eligibility.

That said, you can still run checks and prepare now, but the actual application under that scheme will only go through after ROM.

If you’d like, I can walk you through what’s possible before and after your ROM, plus alternative options to explore in the meantime.

Aren Goh | PropNex | 96576701  Read More

1. The purchase process can only start after your ROM certificate is issued, since the fiancé-fiancée scheme does not apply to your case.
2. You may still check directly with HDB if special approval is possible before marriage.
3. By law, a foreigner cannot apply for an HFE alone or jointly without the ROM certificate.
4. Once you have the ROM certificate, apply for the HFE together. Prepare both your financial and income records in advance, as HDB reviews the past 12 months of income.
5. Eligibility:

* Income below 14k → BTO or resale flat
* Income below 16k → Executive Condominium

Feel free to reach out if you’d like step-by-step help with this process.

As Benjamin Franklin said, “By failing to prepare, you are preparing to fail.”
WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

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