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HDB does not buy back HDB in resale market unless special circumstances. You may wish to look into applying for HFE to find out the numbers when it comes to purchase and perhaps look into resale HDB with fresher lease if it is within your financial considerations while waiting out for MOP to be fulfilled and the SPR for your wife to be granted before looking into BTO.

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Email: geryl.lim@orangetee.com / geryl7772@gmail.com
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 +65 92787772 
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hi,

My advice is:
Aim for a resale flat with at least 70+ years lease - this balances affordability with resale potential.
Avoid relying on SERS or any buyback scheme.
Later, when your wife gets PR and/or you turn 35, you can apply for a BTO together.

If needed, I can help you with shortlisting flats and financial calculations.

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

Testimonial from Satisfied Clients
-- My husband and I wish to commend the sincere attitude and good customer service rendered by your staff Jenny, who handled the sale of our 5R HDB flat early this year. We have met several agents but none as genuine as Jenny. Being a seller agent, she took our interest at heart in handling the sale, unlike other agents who are self-interest. Jenny is punctual and prompt in the whole dealings and we were convinced that such an agent is hard for find nowadays. Jenny is a trustworthy, honest, sincere and hardworking agent. We are happy with her service and would gladly recommend her to our friends in future. Jenny is an asset to Propnex and the organisation should value her. Thank you Jenny for her efforts--
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Samantha (Resale condo buyer) Read More

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

Hi,

1) The very first thing you should do is to apply for an HFE now.
2) Applying HFE is FOC, this can be used for BTO/SBF and resale flat, valid for 9 months, no penalty for no purchase.
3) The advantage is you will be clearer with the figures on loan amount, grants available, and the flat options you could have.
4) It is obviously you are not eligible for a 99-years 2-rm BTO due to age. So, your flat option left with considering a resale flat.
5) The grants available will be limited to half housing grant, EHG & proximity grants are the same as single.
6) Buying an older HDB flat is an option except that you must be able to determine the loan amout available when the remaining lease + age Read More

1. **Apply for HFE:** Start by applying for the HFE letter — it’s free and valid for 9 months. This will clarify your loan amount, available grants, and flat options.

2. **Consider Resale Flats:** As you’re not eligible for a 99-year 2-room BTO due to age, focus on resale flats instead.

3. **Grant Eligibility:** You may qualify for the half housing grant, EHG, and proximity grants, similar to single applicants.

4. **Lease Considerations:** Opt for flats with a remaining lease of 66 years or more to maximize loan eligibility and mitigate resale risks.

5. **Loan and CPF Limitations:** If the remaining lease plus your age is less than 95 years, loan and CPF usage will be prorated.

6. **Wife’s PR Status:** If your wife does not obtain PR in five years, your flat options will remain limited to 99-year 2-room BTO/SBF unless you have a Singaporean child by then.

7. **HDB Buyback:** HDB is unlikely to buy back older flats unless they are in prime locations, and even then, it is not guaranteed.

8. **SERS Programme:** With only about 2% of flats in Singapore under SERS, relying on it is not practical.

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