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It is likely to be affected.

I'm a Harvard graduated real estate agent with a decade of experience working on Singapore public policy. I would love to schedule a free consultation to discuss your options if you need any support.

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

Good day to you,

As a Singaporean, you have the opportunity to purchase a resale HDB unit with your spouse through the Non-Citizen Spouse Scheme. In this arrangement, you will be designated as the main applicant, while your spouse will serve as the essential occupier.

It is essential to note that the credit assessment will primarily be based on the main applicant. Additionally, as you are under the Debt Repayment Scheme, you may face challenges regarding the Mortgage Servicing Ratio requirement.

To navigate this process effectively, I recommend calculating the estimated loan amount you may need, taking into account the minimum required housing size and the available funding. If the necessary loan amount is manageable, you may find that the situation can still work in your favor.

Navigate Property Decisions with Confidence

With over 15 years of experience in Singapore's residential property sales and purchase (S&P) cases, I understand the complexities involved in the process. I aim to guide you every step of the way with clear communication, ensuring that all parties are legally represented and protected.

I offer in-depth knowledge in:
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Regards
Mike Lim
 96929209 
R026708F
m52i@yahoo.com
ERA Read More

Hey bro, a few things to take note here.

If your fiancée isn’t a PR yet and you’re buying under the Single Scheme, you can still apply for an HFE and use your First-Timer CPF grant — but the grant amount will be lower compared to buying as a couple under the Fiancé-Fiancée Scheme (which needs her to be at least a PR). Your DRS status won’t affect your HFE directly, but your income and any existing property ownership will be considered.

Best to plan out your approach depending on whether she’s applying for PR soon, or if you intend to proceed solo first.

If you need help working out the numbers or shortlisting units that fit the grant criteria, feel free to drop me a text — Aren here from PropNex, 9657 6701  . No pressure lah, happy to share. Read More

It will affect. Firstly, only your income will be assessed for loan while the household income will be assess for grant. Read More

Hi, appreciate your sharing. Able to apply HFE to determine the purchase of HDB.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

1. If your fiancée isn’t a PR yet and you’re buying under the **Single Scheme**, you can still apply for the **HFE** and use your **First-Timer CPF grant**.

2. Keep in mind, the grant will be smaller than if you buy together under the **Fiancé-Fiancée Scheme**, which requires her to be a PR.

3. Your **Disregarded Resident Status (DRS)** doesn’t directly affect your HFE, but your income and any other property you own will be taken into account.

4. It’s wise to plan based on whether she’s applying for PR soon or if you want to move forward on your own first.
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QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More