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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, yes you could. But the sole ownership as well as the loan applicant will just be the local spouse.

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

Dear sir/mdm,

Purchasing in open market is possible as long as you fulfil the eligibility criteria as set out in HDB website (https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/flat-and-grant-eligibility/couples-and-families?anchor=fs), where you are likely to be going for the Non-Resident Spouse Scheme if your foreign spouse is holding a long term pass while you are a Singapore Citizen.

Your spouse will be the essential occupier instead of co-owner. There is no income ceiling to purchase a resale HDB if you are taking a bank loan for the purchase. If you are intending to apply for HDB loan, then your household income should not exceed $14,000 if you are purchasing under this scheme, The income ceiling of $7,000 applies if you are purchasing under Single Singapore Citizen Scheme.

Hope the above helps! In fact you may try to submit for HLE first before taking any further actions, so that you will have better idea on the finances required in order to make the purchase. You may also visit https://services2.hdb.gov.sg/webapp/BP13EligCheck/BP13J002.jsp to do a preliminary check on your eligibility to purchase a HDB flat.

I have been in the real estate business since 2009, with more than 13 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 9,400 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!

Warmest regards,
Geryl Lim
Associate Group Director
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Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
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Landed Dynamic Alliance
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Hello,

1. Yes you can buy a resale DBSS on the open market with a foreign spouse provided you meet all the eligibility conditions- that would also mean you need to be married before the OTP date of the DBSS flat. No fiancee/Fiancé scheme for foreign spouse.

2. Foreigner cannot own HDB/DBSS flat, thus he/she will be your essential occupier & applicant, and you'll be the sole owner.

3. Your spouse's income will be included in the income ceiling for the grant consideration (CPF Family grant $14k, EHG $4.5k) as you're buying under the family unit.

However, as he/she's not the buyer and not taking the loan per say, his/her income may not be fully considered in the loan application. It's best to submit an HLE application in order for you know the assured HLE sum.

Still unsure? I have helped my Singaporean and Foreigner spouse clients find their dream resale home at a great price. Text me at wa.me/6583330360 and I can help go through the details, things to watch out as well as the financial breakdown for you.

Thanks
Lucas Lim
SUSS Bsc (Marketing), Merit

Contact: (+65) 83330360 
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Good morning Sir,

you are eligible to purchase a resale DBSS (HDB) under non citizen spouse scheme. As the scheme mentioned, you have to get married first. It's not fiance fiancee scheme.

She will only be an essential occupier as per required under the HDB scheme and foreigner are not eligible to own HDB. Minimally she has to be SPR to do so.

Only your income will be taken into consideration for loan assessment but her income income will be included in the household income of $14k.

You can clarify with HDB directly as well by sending them a feedback form or calling into the HDB hotline.

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
You dream. I create. We make it happen!
Association of Chartered Certified Accountants Graduate
Singapore Accredited Mortgage Planner

Contact:
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Hi,

For your purchase it will be under the non citizen spouse scheme. You guys would have to be married prior to doing any paperwork OTP, and your spouse has to have a LTVP of validity of at least 6 months. Your spouse will have to be an essential occupier and cannot be an owner of the flat. Both your incomes will be considered for grant eligibility purposes but only your income will be considered for loan assessment purposes. If you are taking HDB loan HLE, your income should not exceed $7k per month. For bank loan there is no income ceiling.

Hope the above clarifies. May I have more info and requirements about your plans so as to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Diamond Achiever

SEAA Salesperson Achievement Award 2021 (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
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SMU BBM (Finance), Magna Cum Laude
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- Buyer Mr Wang & Ms Ng - : We want to convey our thanks to Ivan, who helped us find our first home. Ivan was very responsive when we first met, and took time to understand our needs and requirements for our first home. He helped us narrow down our criteria and gave us good advice on how to structure our mortgage as well. He also made a great recommendation of an area we never thought of, and it was where we eventually bought our home. We appreciate Ivan's thoroughness in pros and cons of all our options that we viewed. We never felt pressured or rushed to make a decision. In fact, Ivan gave honest and useful inputs on the considerations of acting immediately or waiting. All in all, it was a very smooth experience and we ate very happy with the unit we bought. Thank you very much, Ivan! Read More