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Hi Felicia,
If you are below 35, you would need to be legally married to buy a HDB flat. Since you are not, your best option is a private flat.

If you are taking a loan, your name has to be in the property that you are buying. As such, if both of you are taking the loan, both your names has to be in. However, you can remove one name in the future (decoupling), when your incomes rise and you want to buy a 2nd property.

Do contact me so that I can assist you further in your real estate dreams!
Cheers!

Elan Govan
MABA (Lancaster)
 90170747 
jayelan@gmail.com
www.goodpropertiesguide.com Read More

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, in your case you could only go for a condo.

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

Hi,

If you are not married yet, you cannot purchase resale HDB on your sole name as only single singaporean citizen above 35 years old are eligible.

You can purchase condo no issue. However for both names to be included in the bank loan (as borrowers), both names will also have to be owners. Do note the stamp duties will also be based on the higher ABSD rate between the two buyers.

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
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Hi, appreciate your sharing. Base on today, the banker require the owners to become the borrower as well. Let me know what your plan ?
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

Hi Felicia,

You need to be married in order to buy a HDB, unless you are buying under single scheme where you need to be above 35 to qualify. For purchasing of private properties, in order to be a co-borrower, you will need to be an owner of the property too. Is purchasing another property under your partner's name on the agenda with such an arrangement? If yes, perhaps you may consider looking into tenancy in common ownership arrangement.

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
Salesperson Registration No. R014783H
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
[main] +65 6471 8888  [mob] +65 81577565  [LDA] +65 92787772 
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Hi Felicia,

1) The bank will not loan anyone without any collateral.
2) Therefore if you need your partner's salary to increase the loan amount, he must be one of the owners.
3) You may employ the Tenancy-In-Common ownership arrangement such that you own the majority of the share of the purchased condo.
4) Having said that, this can only apply to buying a private condo.
5) A foreigner cannot be an owner of an HDB flat, therefore your sole income must be sufficient to cover the full loan for an HDB flat.
6) Your partner can only assist in your monthly mortgage via cash for an HDB flat.

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

Hope the above answer 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/
https://www.facebook.com/Homesellerbuyer

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