Housing

Hmmm.. seems like we are missing the age issue here.

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Perhaps u wanna do up an IPA or HFE to confirm whats the max loan eligibility first.

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The downpayment may be an issue if only 1 applicant has been working full time for 4years and the other one is working part time.

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U may wanna do a cashflow discussion with a professional too ya

Hi I know a few couples that are students that have yet to graduate during BTO application. They have received queue number and selected their units. Your friend can apply for deferred income assessment. The students I know will graduate 1.5 years after unit selection, and collect keys in 1 year later. This will mean they would have worked for 1 year before deferred income assessment. think a few months before key collection, HDB will assses the couple's income by then. Ask your friend to join some of the BTO project telegram channels to share his situation and post his question about deferred income assessment and staggered downpayment. Those who are in the same situations will be helpful to share their experiences.

Seedly, can you improve the image upload function to include multiple images?

This is from HDB Telegram Channel