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Anonymous

29 Oct 2020

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I own an existing HDB with my spouse as the Occupier. After MOP, would my spouse be considered as a first-timer applicant for BTO? Any grants applicable or levy payable?

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Yeap Ming Feng

29 Oct 2020

Head of Seedly at Seedly

Hey!

Based on the HDB website, it says that you will be treated as a first-timer applicant for BTO as long as you are not the owner from a flat from HDB, or an EC/DBSS flat bought from a developer.

Under the eyes of the law, the essential occupier is not a homeowner. Hence, any applicable grants and levy is still payable.

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I applied as an Occupier together with my wife (as the Owner) for a BTO previously. Would I be considered a first-timer after fulfilling the 5 years occupancy period and be eligible for grants?

If I'm a second-timer applicant for HDB BTO, will I still eligible for grants? Any difference if I took a grant during the first application?

For first-timer BTO applicants, is it possible to take the CPF Housing Grants, but use cash for all loan repayments instead - which means you just take the Grant and let it sit in your CPF?

Are you team HDB BTO or HDB resale? Amongst millennials, BTO is a hot favourite but recently my other peers are actually considering resale. Would you consider resale if you are applicable for BTO?

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