Hi,
Yes you can purchase the HDB with your mother under the public scheme, and if your own finances are comfortable, you can also choose not to use her funds to pay for the property. This will depend on your cash and CPF OA available, as well as the hdb loan attainable based on both your incomes.
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
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.
Mr Wang & Ms Ng : We want to convey our thanks to Ivan, who helped us find our first home. Ivan was very responsive when we first met, and took time to understand our needs and requirements for our first home. He helped us narrow down our criteria and gave us good advice on how to structure our mortgage as well. He also made a great recommendation of an area we never thought of, and it was where we eventually bought our home. We appreciate Ivan's thoroughness in pros and cons of all our options that we viewed. We never felt pressured or rushed to make a decision. In fact, Ivan gave honest and useful inputs on the considerations of acting immediately or waiting. All in all, it was a very smooth experience and we ate very happy with the unit we bought. Thank you very much, Ivan!
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Since you are the sole owner therefore only the funds in your CPF account could be utilized for the mortgage payment.
HLE application is different from buying a flat.
- How can I be the sole owner if I am below 35? Is it that I just purchase the house but put my mother as occupier? Or I buy a house with her but only my CPF contributes to the house?
- my mom has utilized HLE 2 times. With my age (below 35), am I still able to get HLE if I am buying a flat with my mom?