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

  • May 7, 2021
  • 9 min read
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Ryan J

Ryan is an old school print journalist gone digital. He's lived in almost every type of housing in Singapore, from flats to landed homes. Over the past 18 years, he's been a content developer for companies large and small, a co-founder in an education business, and sometimes a voice on the radio. He also spends too much time and money on painting little plastic soldiers.

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Phillip
Phillip

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
Stacked Homes

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

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

(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

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
Stacked Homes

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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