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Hi all! 34yo this year and married to non-citizen (LTVP+) and we had a 4mth old kid (singapore citizen).
- first time buyers/applicants
- looking for resale at hougang area
- parents staying at hougang area
- gotten hle recently
- wife is not working
- purchase price of house is estimated 390k
- am i eligible for first timer applicants family grant (50k) +
proximity grant (20k) + EHG (~45k)?
- not necessary for me to wipe out my cpf right?
- only OTP , resale admin fee, request for valuation fee are
through cash?

what else do i need to take note (relate to cash and cpf)?
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2 Answers

Hi,

If taking HDB loan, need to fully wipe out CPF OA save for up to 20k which HDB allows you to keep. Yes cash wise as per above mentioned and including any COV and agent commission of 1%+GST. May I know how much HLE amount is approved?

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

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
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-- HDB Yishun BTO 5-RM Sellers, Private Property Upgraders Mr. & Mrs. Koh --

I would like to express my appreciation to Ivan Ng for his excellent work. Ivan is a dedicated, client-focused, patient and sincere agent. Throughout the whole process of selling and looking for our next property, he has always acted very professionally that makes my wife and I feel at ease and assured. Ivan is not a pushy and hard sales agent. Ivan listens and understands our needs and carefully guided us through. We are fortunate to have Ivan as our agent. Thank you Ivan.

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We would like to thank you for ensuring a smooth and well-explained process throughout the whole selling and buying of our property. We got to know you thru Property Guru, where we are scouting for condo around West area. We remember that we are quite tight in our budget in purchasing the condo unit,but you are still very willingly explaining and calculating our financial liabilities. You are always having your smiles whenever we met for discussion.

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Forgot to add Grant wise, you qualify as non citizen spouse scheme, hence the grants are halved. $25k family grant is if you go for 4-room size and below. PHG is $10k. EHG depends on your income band.

https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/resale/financing/cpf-housing-grants/noncitizen-spouse-scheme

https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/resale/financing/cpf-housing-grants/living-with-near-parents-or-child

-- HDB Hougang 4-RM Sellers Mdm. Ng & Jean --

Ivan was the first and only agent that we met before engaging him as our exclusive agent. At the first meeting, Ivan meticulously went through the entire sale process. As we were not familiar with the procedures, he spent extra time to explain what was required from us and what we should expect.

After a week of preparation, Ivan came to take photographs, and once the advertisements were up, we had interested parties coming to view the apartment the very next day. Within a week, we had secured an offer from the buyer. Ivan was reliable and responsive, and he made the entire process smooth and hassle free

Look forward to work together on your housing plans.

Cheers,
Ivan
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