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Good morning Ben,

1) you will be eligible to purchase under non citizen spouse scheme.

2) you will be able to apply for singles grant of $15k if combined income is $12k.
You are able to apply for AHG if your combined income is less than $2.5k.

You will be eligible for $10k proximity housing grant if your parents live in the same flat as you if not you are not entitled to it.

3) yes you are eligible to apply for Hdb loan as a Singaporean. Can pay 10% downpayment fully by CPF OA funds.

4) costs incurred for buyer:
- $200 valuation
- $80 resale application fee
- $5000 option deposit
- 1% agent commission
- estimated 3% buyer's stamp duty
- hdb legal fees

5) you can set aside CPF OA funds to pay stamp duty and legal fee

Hope my explanation helps!

It will be best that you apply for HLE first and share with me how much finances do you have on hand so I will be in a better position to advise you your budget.

If you need further assistance or advice for your property purchase, feel free to contact me. Cheers!

Warmest regards,
YT Tan
Vice President (Agency)
R043025D
Property Avenue Pte Ltd
Estate Agent no. L3010650D
Blk 420 North Bridge Road #03-30 North Bridge Centre S188727

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com
(W): www.propertyavenue.com.sg Read More

Good afternoon Ben,

You will be getting $10k instead of $20k is because your wife is a foreigner and not at least a SPR.

http://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/resale/living-with-near-parents-or-married-child

Hope my explanation helps!

Is there anything else that I can assist?

Warmest regards,
YT Tan
Vice President (Agency)
R043025D
Property Avenue Pte Ltd
Estate Agent no. L3010650D
Blk 420 North Bridge Road #03-30 North Bridge Centre S188727

(M): +65 9111 5171 
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com
(W): www.propertyavenue.com.sg Read More

HI,
To assist and advise you the purchase and the grant eligibility, kindly drop me an email for me to share.

I am contactable at my mobile or email.

CK Ang
 9046 3808 
res.ckang@gmail.com Read More

Hi,

Re: Our Preferred Experienced SG Realtor

You are eligible for single grant and you can use your CPF to pay for the HDB. :)

Your wife S Pass do not have to contribute CPF unless voluntary, only applicable to SPR and SC.

Call us now, we can explore further in detail.

We are contactable at 92222389  or onassis@sgrealtor.com.

In all Areas of Singapore. Sale/Buy/Lease/Rent, Please call and/or drop me an email me. I’m always at your Services.

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Hi Mr Ben,

Thanks for posting in Propertyguru.

Let me answer your questions one by one.

1) Yes you are eligible to purchase the HDB under the Non Citizen Spouse Scheme

2) You can apply for the Singles Grant of $15,000 if your average monthly income does not exceed $12,000. You may also apply for the Proximity Grant if your parents stay in Bishan also.

3) Yes you may apply for HDB loan if your average household income does not exceed the limit. If you have enough CPF to pay for 20% of the downpayment, you can also.

4) & 5)
- Deposit up to $5,000 (Cash)
- Valuation fees approximately $199.25 (Cash)
- Resale Application fees $80 (Cash)
- Agent fees of 1% of purchase price (Cash)
- Legal fees (CPF or Cash)
- Stamp duty (CPF or cash)

Basically the above are very direct answers to your questions but seriously buying a property is really not just about those answers above. I would really recommend that we can meet up for a chat and we can discuss in details. No worries as there are no obligations.

Looking forward to hear from you soon! Thanks!

Best Regards,

Jeffrey Heng
Branch Division Director
ERA Realty Network Pte Ltd
SAEA Real Estate Excellence Silver Award - Best Client Service
(2014)
SAEA Real Estate Excellence Award Nominee - Best Client Service
(2012/2013)

Mobile : +65 9858 1322 
Email : hengjeffrey@gmail.com
Web : www.jeffreyheng.com Read More