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If you are only purchasing under his name, your salary cannot be included for consideration since u are not a co-owner. Your salary can only be considered if you are a co-owner, but that is where the ABSD for foreigners will be applicable.

If there is any assets or investments both of you own, can consider using it as collaterals to increase the loan amount (asset based lending). Check with bankers perhaps.

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I have been in the real estate business since 2009, with more than 14 years of experience serving the Singapore real estate market.

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Hi there,

- Since your husband is a PR, the bank will likely assess his financial standing first for the loan. However, if you're on an LTVP+ and earning more, banks may consider your combined household income to extend a higher loan amount.

- Some banks do allow LTVP+ holders to be co-borrowers, which could help in increasing the loan eligibility. It’s worth speaking directly to a few banks to explore this option.

- You can also consider exploring alternative financing structures, like using your higher salary to support the mortgage through other arrangements.

Thank you.

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1. If the property is purchased under your spouse’s name only, your salary cannot be considered for the loan application.

2. Your salary can only be included if you are listed as a co-owner of the property.

3. However, if you become a co-owner and are a foreigner, Additional Buyer’s Stamp Duty (ABSD) will apply.
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Hi, appreciate your sharing. The purchaser has to be the borrower for unit. Budget = cash + CPF OA + Loan
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Hi,

Only owner can be a borrower, so you need to be added as co-owner before your income can be recognized for loans. This brings in another property where the ABSD will be at 60% on top of the purchase price, which I believe you will want to avoid.

The other way is to pledge financial assets to bump up the loan, if you have sufficient cash or stocks.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

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Hi Mdm,

For your case, you're not eligible for HDB flats, hence only can consider private condos. And private condos loans will be under banks, not HDB loan.

Should you add your name as a co-owner, you will be able to secure a higher loan. However, ABSD will apply.

Other ways to increase loan amount includes pledging and unpledging of funds. You may wish to explore this option and see if it works?

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(2) (***) ✅✅ You can READ my REVIEWS here:
✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

*** You can reach me at my Singapore mobile: (65) 9856 9255  or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT : ）
“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”
=========
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