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Hihi,

Thanks for sharing your situation — sounds like you and your fiancé are planning ahead very thoughtfully, which is great. The HDB eligibility and income assessment criteria can be quite nuanced, especially with factors like overseas income and internships involved.

It’s important to look at your case holistically to determine the best approach, and I’d be happy to assist you with that. Perhaps we could have a quick, no-obligation chat to walk through your timeline, clarify what counts towards the income assessment, and explore any viable options for your BTO plans.

Let’s find a time that works for you — I’d love to support you both in making informed decisions for your future home. Read More

Hi, appreciate your sharing. Able to do HFE first to determine the outcome ? Or check with banker on the outcome.
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 do contact me at 97970200  to understand more and discuss

Mark, your RIGHT choice
Propnex Read More

The key thing will be applying for HFE when you are ready for the BTO. Are you in a rush for certain BTO exercises or you are still looking around. Since your fiancee has no active income after the internship, technically the income consideration is zero by then. You may wish to consult HDB for more detailed eligibility criteria since HDB will be the ones administering these protocols and loans.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 15,900 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
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Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 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) Although you are eligible for a BTO/SBF now when you apply for an HFE within this month.
2) But by the end of the year, both your income will exceed the income ceiling of $14k.
3) An income assessment will be done on the day you select the BTO flat.
4) Even you are so lucky to ballot a good number to select a BTO flat on the 1st attempt which is on July 2025.
5) And the flat selection would be within 6 months from the balloting result, which means that your flat selection could be early next year.
6) By then, you will lose the eligibility for a BTO for exceeding the income ceiling.
7) It will be more realistic to buy a resale flat after the HFE is approved.
8) 5 years later after satisfying the MOP, upgrade to a private residential property would be a better option.
9) Why push yourself to earn a lower income when you could get a higher income? :-))

All the best!

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

Hope the above answers your main concerns, but if there are more queries, please feel free to contact me at 90110636  , or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer Read More

1. The main focus should be timing the HFE application strategically, aligning it with your desired BTO exercise.

2. If your fiancée has no active income after the internship, her income may be considered as zero during the assessment.

3. Consulting HDB directly can provide clarity on eligibility criteria and financial assessments, as they manage the application protocols and loan evaluations.

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QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More