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Good morning Miss,

I believe you guys purchased existing HDB under non citizen spouse scheme with him as owner and you as essential occupier.

I am afraid to inform you that you have to fulfill 5 years MOP along with your hubby before you are eligible to purchase a private condo under your sole name. Do take that there will be ABSD applicable as SPR purchase.

Hope my sharing helps in aiding in your enquiry. May I know how can I value add further in your property needs?

Best regards,

YT Tan
Property Kaki
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Association of Chartered Certified Accountants Graduate
Singapore Accredited Mortgage Planner

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Hi,

I would be most glad to assist you further and please feel free to let me know if you need any assistance. Have a good day ahead. By the way, I believe you are considered as an essential occupier and will have to abide with the MOP before you could purchase the next flat.

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

Dear madam

The HDB was previously purchased under non-citizen spouse scheme, therefore regardless whether you are SPR or not, you will still be required to meet the 5 years MOP before you can purchase a condo in your own name as you are the essential occupier of the HDB. This is only for private residential properties (including those overseas) and does not apply if you are looking to invest in a commercial or industrial property.

Warmest regards,
Geryl Lim
Associate Group Director
Salesperson Registration No. R014783H
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
[main] +65 6471 8888  [mob] +65 81577565  [LDA] +65 92787772 
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Hi

1. You still need to fulfill 5 years MOP along with your husband before you are eligible to purchase a condo under your sole name

2. Do you intend to take loan for your purchase?
If yes, Before shortlisting project/unit, I will suggest to check your in principal approval of your loan from banker.
I can connect you with reputable banker for this, free of charge and no obligation.

3. Based on $1 mill, and assuming loan is 75%
5% Cash = $50,000
20% Cash/CPF = $200,000
BSD (Cash/CPF) = $24,600
ABSD (Cash/CPF) = might apply
Legal fee = $2,500 (estimated)
Please contact me at (65) 96608508  and I can share the breakdown for this calculation including timeline.

4. How many bedrooms are you looking at and which area you prefer?
I have current price list, promo of every projects in Singapore and will be glad to advise you

I will be glad to assist, no agent fee from private property buyer
Appreciate if you can contact me at (65) 96608508 
or click here https://bit.ly/WaSilvia to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9660 8508 
Email: Silviayang8@gmail.com Read More

Hi Mdm,

As the essential occupier of the HDB flat, you will also need to fulfil the 5-year MOP before you're able to purchase another residential property.

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 9748 6305  . I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
 9748 6305 
PropNex Realty Read More

Hi,

1) Although the current flat is bought under the Non-Citizen Spouse Scheme, you are only an essential occupier in the flat.
2) However, under the policy of the HDB, the essential occupier has to comply with the restrictions that an owner had, which is to fulfill the MOP.
3) Therefore you may only buy your residential property after the 5 yrs is met.

Hope the above answer your main concerns, but if there are more query, 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://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

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