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Hi. My husband, a Singapore PR (40 years old) works abroad for $2600 (no CPF). I am a homemaker, Singaporean (38 years old) with about 30K in my CPF acct . We will be first time home buyers. Can we buy a 4 room resale flat without any cash involved?
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4 Answers

Good day to you,

You and your spouse have the opportunity to apply for your housing loan, with you as the primary applicant and your spouse as the co-applicant. By considering your combined household income, HDB can determine the loan amount that best meets your needs, while ensuring compliance with TDSR and MSR requirements. As first-time applicants, both of you are eligible for the Housing Grant, which can further support your journey. To get started, please submit your HFE for review and approval, and take a positive step toward securing your new home.

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ERA Read More
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1. **Loan Application**: You and your spouse can apply for a housing loan, with you as the main applicant and your spouse as the co-applicant.
2. **Income-Based Loan**: HDB will assess your combined income to determine the loan amount, ensuring it meets the TDSR and MSR criteria.
3. **Housing Grant**: As first-time applicants, you're both eligible for the Housing Grant, which can provide additional support. Start by submitting your HFE for approval.

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Hi, you can try applying for an HFE to see the grant amount you can get.

Hi, hopefully you managed to get your doubt or query answered. If so, then congrats! Hopefully you are doing well now.

If you are currently or planning to find a property agent, I can assist.

If you are interested in prices of houses in your neighbourhood, you may visit this website to find out more or contact me.

https://www.era.com.sg/R064892F

If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.

Landon Chew
97 39 60 40
landonchew@email.com Read More
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Tan Pei Cheng (Pei)
I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More
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