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Hi there, you and your partner can apply for HDB for resale under the foreign spouse scheme. However, you would have to resolve your financial issues first as you will be buying under owner (SC)/occupier (Non SC) scheme, hence your partner income will not be consider for any loan and you are currently not employed as well. my suggestion is to either wait till you are employed or your partner has gotten his PR status before you proceed with your housing plan. Do let me know if you have any other questions and I may just be able to point you in the right direction.
Thanks and regards
Rix
 9687 1379  Read More

Hi, appreciate your sharing. Best to await once you start working for 1 year to attain loan.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

You will be only eligible to purchase a resale HDB under non-citizen spouse scheme after getting married, thus the reason you are ineligible based on my guess. In terms of home loan, since you are currently unemployed, you will not be eligible for any home loan, therefore unless you are able to do a full settlement using existing CPF as well as cash savings, you are unlikely able to finance this purchase too since your partner is a foreigner and cannot be named as a co-owner, thus his income cannot be recognised for loan.

I have been in the real estate business since 2009, with more than 14 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.

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We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
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Email: geryl.lim@orangetee.com / geryl7772@gmail.com
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My Answer with regards to your Question:

the eligibility criteria for purchasing public housing in Singapore, including both Build-To-Order (BTO) flats and resale flats, are subject to certain requirements. Here are some considerations for your situation:

HDB Flat Eligibility:

For BTO flats, the eligibility criteria typically include the condition that at least one applicant must be a Singapore Citizen.

The HDB HDB Hub or visit the HDB website for the most up-to-date information and guidance regarding eligibility criteria.

Resale Flat Eligibility:

For resale flats, you can generally be more flexible with citizenship requirements. Non-Singaporean spouses are allowed to be co-applicants when purchasing a resale flat. However, certain conditions and restrictions may apply.

Eligibility for Grants and Subsidies:

While you may be eligible to purchase a resale flat, the eligibility for housing grants and subsidies might differ based on factors such as citizenship and income. It's important to check the latest policies and guidelines to understand the available options.

****Financial Considerations:

As you mentioned that you are not employed and your partner is employed, financial considerations are crucial. Both income and financial capability are factors that affect your eligibility for a housing loan.

Unfortunately, this platform doesn't allow me to direct contact you.

You can reach me at https://wa.me/6598569255.

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Hi,

1) There are 2 obstacles in your application:
(a) Eligibility
(b) Financial commitment

2) Eligibility: Since your fiance is a foreigner, you are only eligible to apply with him when he officially becomes your husband.
Finace/Fiancee scheme is not eligible to SC + FR, it can only be eligible to SC+SPR/SC.
(a) You can only apply for a 2-room 99-year leasehold in the non-mature estates from HDB or,
(b) a resale flat (any type) on the open market.
(c) He must own a Long Term Visit Pass or Work Pass of at least 6 months from the date of issue at the time of application submission.
(d) You are eligible to apply for an HDB housing loan if your household income is not more than $7k.
(e) You are also eligible to apply for the Single Citizen Housing grant of $40k.
(f) You may also apply for the EHG and PHG if you meet the eligibility conditions.

3) Financial commitment:
(a) The HDB will also assess your income because you are the only owner.
(b) The HDB is not able to secure any loan for your purchase unless you have a stable income.
(c) Your fiance's income cannot be used to compute for a loan because he is not an owner.
(d) In this case, your purchase must be in full case payment.
(e) Your fiance can only be an owner of the HDB flat after he receives an SPR or a SC status.
(f) Do note that no banks can release a housing loan to you due to your income status too.

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

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://R056727F.propnex.net/
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Hi Miss,

Yes, you're not eligible to apply for a BTO flat. You can however purchase a HDB resale flat under "Non-Citizen Spouse Scheme". But do take note that you will be the sole owner of this flat, and as you're unemployed, you may encounter difficulties getting a loan for the purchase.

If you need to use your spouse's income for property loans, it is advisable for you to purchase a private property instead. This way, both of you can be joint-owners of the 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 +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
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