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Good day to you.

Regarding your inquiry, there are a few obstacles to overcome, specifically:

a) Is the unit owned jointly or solely?
b) Has the Final Judgment been delivered?
c) Did she apply the housing grant to the current unit?
d) What is your current combined income situation?

The details of the Final Judgment will indicate how the current unit should be handled, and once this step is completed, the two of you can move on to the next stage.

Assuming both of you are SC, and she has utilized the Housing Grant for her current unit, you would still qualify for a half-grant, depending on your income situation.

I recommend that we connect to discuss the best way forward.

Navigating a property transaction can feel overwhelming, especially when it intersects with major life events.
With over 15 years of experience as a property consultant, my role goes beyond market knowledge — it is to provide clarity, structure, and peace of mind through complex decisions.

I regularly assist clients with sensitive and non-standard situations, including:
• Divorce & Asset Settlement — guiding parties toward fair, practical outcomes for shared properties
• Intestate & Estate Planning — helping families navigate inherited property and future planning with confidence
• Complex Property Matters — including cases involving Lasting Power of Attorney, bankruptcy, or special circumstances

If you’re seeking clarity rather than pressure, I’m happy to have a conversation to understand your situation and outline possible next steps.

Mike Lim
CEA Reg No: R026708F | ERA
WhatsApp: https://wa.me/message/VCDD3MUYRD3JP1
Email: m52i@yahoo.com

If you’d like short, educational breakdowns on common property questions, you may also find these helpful:
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Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, unfortunately you are not able to purchase any flat with her at the moment. Basically your gf will have to await for the final judgement from the court and then to dispose off the existing flat that she own with her ex husband, and then after that will she be eligible to purchase the next flat together with you. Hope my explanation helps.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Hi

Are you 35 years old yet? If your girlfriend has taken grant before, only you will be eligible for first timer grant for resale, so it will be half the amount. You will also have to be within the income ceiling, and do not own other private property. She also needs to sell away her existing HDB, if she decides to buy another with you. Has her MOP of 5 years being fulfilled?

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 home-owners to smoothly complete 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
ERA Senior Marketing Director
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Eligibility criteria will be based on the marital status as well as citizenship. Without the sufficient information and your age, we will be unable to advise your eligibility.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market. Check out the EdgeProp featured article on myself recently at https://www.edgeprop.sg/property-news/geryl-lim-leading-landed-real-estate-heart-hustle-and-harmony

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.

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!

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Yes, it is possible! There are many variables depending on your age, income, status etc...

Happy to walk you through the process to start preparing for a HDB! Best to plan 1 to 4 years in advance of when you actually intend to move in :)

I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy. Feel free to message me below and I can share more about the process and the considerations at your current stage.

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

✔1 If you’re 35 or older, you may qualify to buy a resale flat — age matters for eligibility.

✔2 If your partner has previously used a housing grant, only you may receive the first-timer grant, and it will be at a reduced (half) amount.

✔3 Your household income must fall within the ceiling, and you must not own any private property.

✔4 If she currently owns an HDB flat, it must be sold before purchasing another unit together. Also, check that her 5-year MOP is fully completed.

✔5 Final eligibility depends on marital status and citizenship details. Without full information, proper assessment can’t be done.

“By failing to prepare, you are preparing to fail.” — Benjamin Franklin

WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

-----------------------99Years------------------------999Years---------------------->>>

IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.

WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255  , Property Agent (Director ) or via this link:

https://wa.me/6598569255

Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.

✔✔✔You can READ my REVIEWS here:Able S K Toh

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

For PRIVATE HOME BUYERS

✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge

✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents

DEVELOPER SALES TEAM

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For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.

✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255  , Property Agent (Director )

✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com

---///------
CHINESE VERSION // 中文版本

如需房产相关协助，
包括出租、出售、购买或投资，
欢迎联系我。

✔✔ 房地产经纪（董事) 诗强:/ABLE TOH (65)9856 9255 
WhatsApp：https://wa.me/6598569255

✔✔✔查看我的客户评价：
Able S K Toh,房地产经纪（董事) 诗强
https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

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✔✔ 电子邮箱：Able.selling@gmail.com

--------------- 结束 / The END ------------------ Read More

✔ You cannot buy BTO or resale together while she still owns her current HDB.
✔ She must sell or transfer the flat first and refund CPF used before you can apply.
✔ After that, you can buy a new HDB together as a married couple.
✔ Grants are possible, but may be reduced compared to first-timer amounts.

⸻

If you want, tell me:
• Whether the existing flat has met MOP
• Rough resale value
• Your combined income range

I can help calculate how much grant you may be eligible for and whether resale or BTO makes more financial sense for you. Read More

✔1 If you’re 35 or older, you may qualify to buy a resale flat — age matters for eligibility.

✔2 If your partner has previously used a housing grant, only you may receive the first-timer grant, and it will be at a reduced (half) amount.

✔3 Your household income must fall within the ceiling, and you must not own any private property.

✔4 If she currently owns an HDB flat, it must be sold before purchasing another unit together. Also, check that her 5-year MOP is fully completed.

✔5 Final eligibility depends on marital status and citizenship details. Without full information, proper assessment can’t be done.

“By failing to prepare, you are preparing to fail.” — Benjamin Franklin

WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255.

-----------------------99Years------------------------999Years---------------------->>>

IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help.

WhatsApp me at ✔✔ ABLE TOH (65) 9856 9255  , Property Agent (Director ) or via this link:

https://wa.me/6598569255

Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp.

✔✔✔You can READ my REVIEWS here:Able S K Toh

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

For PRIVATE HOME BUYERS

✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge

✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents

DEVELOPER SALES TEAM

✔✔ BEST PRICES ✔✔ NO AGENT FEES

✔✔ LOWEST PRICE GUARANTEED

For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly.

✔✔ Connect Singapore Line (ABLE TOH): (65) 9856 9255  , Property Agent (Director )

✔✔ WhatsApp: https://wa.me/6598569255
✔✔ Email: Able.selling@gmail.com Read More