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Hi Mr Lee,

Singaporeans have the option to get their Home Loan from either HDB or private Banks and can apply for HDB Grant. They can also buy a flat either directly from HDB or re-sale market. However, they can only do so if they meet the HDB's terms and condition.

PRs can only buy their flat from re-sale market and get their Home Loan from private Banks only.

Please feel free to contact me if you need more information @ 9027-6142  / kenlim09@gmail.com

Regards,
Ken Lim Read More

We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us! Read More

Hi,

Are you looking to sell/buy or rent out your property?

I will be glad to assist
I am well versed in HDB and Private Property transaction and have done many transactions
Appreciate if you can contact me at (65) 9 6 6 0 8 5 0 8 with details of your unit
or click here https://bit.ly/WaSilvia to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9 6 6 0 8 5 0 8
Email: Silviayang8@gmail.com Read More

Hi there,

- When buying a new house, Singaporeans and Permanent Residents (PRs) face different eligibility criteria and grants.
- Singaporeans are eligible for more housing grants than PRs, which can reduce the overall cost.
- For new Build-to-Order (BTO) flats, Singaporeans can apply as a single or with family, while PRs must form a family nucleus.
- Resale flats offer more flexibility; both Singaporeans and PRs can buy, but PRs need to fulfill a minimum occupation period (MOP) of three years before selling.
- PRs also face Additional Buyer’s Stamp Duty (ABSD) when purchasing their first property, while Singaporeans do not.
- The loan-to-value (LTV) ratio can differ, with Singaporeans generally having access to higher financing.
- Resale market offers more options and immediate availability compared to waiting for BTO flats.

Thank you.

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