I just became a Singapore Permanent Resident (PR) in March 2023, while my fiance is a Singaporean. As I have not held my PR status for longer than 3 years, can we still apply for a BTO flat?
DollarsAndSense Answers:
Short answer is yes. You can apply for a BTO flat or buy a resale flat if you wish.
The longer answer, and perhaps more relevant because of the phrasing of your question is that since your husband-to-be is a Singapore Citizen, you do not need to worry about holding your PR status here for longer than 3 years.
However, first-timer households that comprise only 1 Singapore Citizen (i.e. your fiance) and 1 (or more ) Singapore PRs (i.e. you) have to pay a $10,000 premium when buying your BTO flat. You can subsequently apply for a Citizen Top-Up Grant when you obtain your Singapore Citizenship or have a Singapore Citizen child to get back the full amount.
Perhaps, there is a misunderstanding of the requirements to hold your PR status for longer than 3 years. This only applies to households that only consist of Singapore PRs. For couples who are both PRs in Singapore, they cannot apply for BTO flats even after 3 years of obtaining their PR status. Such couples can only buy HDB resale flats after holding their PR status for more than 3 years.
Read Also: [BTO Guide] Eligibility Criteria For Buying A HDB In Singapore