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If your HDB is still under MOP, your wife will not be able to purchase a private property. She will be eligible after MOP but loan has to be under her name.

I have been in the real estate business since 2009, with more than 13 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 9,400 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.

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Hi Sir,

If the bank loan is under your name, it means you have to be owner as well. Borrower of loan needs to be owner as well. Also, if you both are already legally married, the MOP of 5 years of the current flat must be met before she can purchase private property on her own name.

Hope the above clarifies. May I have more info and requirements about your plans so as to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
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I would like to express my appreciation to Ivan Ng for his excellent work. Ivan is a dedicated, client-focused, patient and sincere agent. Throughout the whole process of selling and looking for our next property, he has always acted very professionally that makes my wife and I feel at ease and assured. Ivan is not a pushy and hard sales agent. Ivan listens and understands our needs and carefully guided us through. We are fortunate to have Ivan as our agent. Thank you Ivan. Read More

Hi, appreciate your sharing. Sorry to share the owner must be the borrower.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

Hi Sir,

It is not possible because under the MAS ruling, only the home owner can apply for a loan under his or her name. Therefore, in this case, your wife can only use her sole income to support the loan application and will not be able to take your income into consideration.

Please feel free to contact me if you have any other questions!

Regards,
Nick Tan
(M) +65 9644 4854 
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“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.”
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We are very happy and satisfied with his services and will definitely recommend him to our friends and family in the future.”
Mr & Mrs Tan (Seller of Inter-Terrace House) Read More

Hi,

1) In order for you to get a loan for a property. You must be one of the owners of the property.
2) The bank will plant a caveat to the property title to protect their interest.
3) Legally the bank cannot bring someone to the court who is not the owner when there is a default in the mortgage payment.
4) Therefore your plan of buying a private property under your spouse's name only and a bank loan under yours could not be worked out.

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

Hope the above answer 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/
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