Hello, I am a SC F married to a Malaysian WP.
I think our profiles are similar, I'm 23 and he's 28. Our (then) combined salaries are almost $5K.
Here's what we applied for:
MOM's approval - approved within a month
PMLTVP (Pre-marriage LTVP eligibility) - approved within a month
LTVP - approved in a week
currently: we are waiting to apply for his PR after our marriage turns 1
Hopefully my answers to your queries below will help.
- I know we will have to ask MOM for permission (and risk the chances of him being ban)
Yes, please apply for MOM's permission. I don't really understand why you include (and risk the chances of him being ban)? He will only get banned if you two went ahead with the marriage WITHOUT notifying MOM. Word is (not exactly reliable as supported only by friends) - they don't reject Malaysians' applications.
- As for housing in Singapore, i know we can purchase a flat as long as 1 of the spouse is Singaporean Citizen but if he is banned, it no longer an option as i would like for us to stay together.
Yes you can purchase a resale or a BTO. However, for BTO, you will need to reach 35 to purchase a 2-room. Alternatively, you can give birth to a SC child
- For housing in JB, we can't buy a house together as one is foreigner so that limits the options of buying a (bigger) house if he's no longer able to work in Singapore. If a foreigner were to buy a house in Malaysia(JB) the minimum cost of property
would have to be RM 1 million and if we want to purchase a property together it would have to be RM 2 million (not too sure about the 2 mil).
Combined the both into one. As much as I was told, the Malaysian can buy house by himself. As he is working in Singapore (word is, again, not so reliable as not supported), he "definitely" is able to get a high loan for his property. However, if he were to get his PR and wishes to purchase a Singapore property, he has to sell off whatever property he has under his name.
I would like to know:
- Did people who have went through this buy a house? how?
We have yet to purchase a house. Before taking your relationship to another step, please consider your incomes. In the purchase process of a HDB as a SC/Foreigner couple, only the SC is listed as owner. Thus, only the SC's salary is taken into consideration for loan. In my case, my loan eligibility is only $150K, whereas my friends (same salary range, but both SC), can get a loan of $300K. When I ask HDB, the reason is because the foreigner is a "occupier" and "does not pay for the house". This loan amount requires us to fork out $50-100K CASH upon purchase (which is obviously not possible la, lol). Thus, we are waiting for him to obtain his PR first, so we can get a higher loan.
- Did they apply dual citizenship for their children?
No, in Singapore citizens can only take one citizenship.
- If i were to stay in JB and work in Singapore, do i need to declare anything? and who do i declare it to? Do i need and sort of visa to stay in JB?
Yes you need to get the residency permit. Not too sure how, but perhaps your bf should be the one checking it out with the Malaysian authority.
- Have you heard of any work related rules/difficulties(in the government sector) in marrying a foreigner or staying in JB?
Yes. As a WP holder, he risks having his WP revoked or cancelled (or if he resigns etc), he would not be able to stay in Singapore anymore.
- Are there any other things that i should be aware of?
Yes, please apply for his LTVP as it will prevent the above mentioned. LTVP will let him stay a minimal of 1 year (renewal required). However, LTVP holders require their employers to apply for a Letter of Consent to continue their work. Good news tho, employers of LTVP holders are not required to pay for their working levy -> increases employment chances.