For Singaporean citizen non-resident (SC-NR) couple, will bank loan or HDB loan will be based on the combined income or only the Singaporean’s income?

You'll fall under non citizen spouse scheme.

For HDB loan, it's based on applicant and occupants income to compute eligibility. In this case will be your non-citizen spouse.

But i think for the income to determine the loan value will only be the applicant for HDB Loan.

For bank loan, it's based on applicant income only.