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Buying A Property With A Foreign Spouse In Singapore? Here’s All You Need To Know

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Ryan J

A seasoned content strategist with over 17 years in the real estate and financial journalism sectors, Ryan has built a reputation for transforming complex industry jargon into accessible knowledge. With a track record of writing and editing for leading financial platforms and publications, Ryan’s expertise has been recognised across various media outlets. His role as a former content editor for 99.co and a co-host for CNA 938’s Open House programme underscores his commitment to providing valuable insights into the property market.

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Phillip
Phillip
3 years ago

Hi Ryan, interesting article. Regarding ECs, it was my understanding that for resale units between 6-10 years old you no longer need to form a family nucleus, so in this case the Singapore citizen spouse could buy in their sole name at this point, is this not possible?

Stacked Homes
Admin
3 years ago
Reply to  Phillip

Hey! Yes you’re right. When an EC hits the 5-year mark, it’s like a private condo, only that foreigners can’t buy yet – have to wait for the 10-year mark.

Krystal
Krystal
2 years ago

Hi Ryan, thanks for writing this up. I’m an SC and husband is a foreigner. I wanted to buy my parents a larger HDB, but not live with them, and in 3 years buy a condo with husband. I’d need to take a loan on both properties. If its an EC resale, could I buy the EC under my name alone – take a loan there, and in 3 years husband buys the condo under his name alone, and take a loan there too?

Krystal
Krystal
2 years ago
Reply to  Krystal

(and since its privatised, don’t need the MOP?) I basically don’t want to be locked in for 5 years and just want to get my parents something larger than a 2rm HDB but cheaper than a condo.

Jeremy
Jeremy
2 years ago

Hi Ryan, with regards to the Singles Grant, what would be the income ceiling which is applicable? Is it a 14k combined income (including the income of the foreign spouse) or 7k just based on the Singapore citizen? Thanks.

Stacked Homes
Admin
2 years ago
Reply to  Jeremy

Hey! There are two grants to look at here:
https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/flat-and-grant-eligibility/singles/cpf-housing-grant-for-resale-flats-singles
and
https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/flat-and-grant-eligibility/singles/enhanced-cpf-housing-grant-singles

You’ll have to qualify for the CPF housing grant first before you can apply for the enhanced CPF housing grant. The eligibility conditions are listed above. Thanks!

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