PR Approval Probability 2021

[sundaymorningstaple]

Also, to be brutally honest, you will probably need to be here on an EP for at least 5 years to have any chance at all (and it will still be low) primarily because the Government doesn't seem to be seen to welcome those from the 'peens unless they have Chinese Ancestry. It sucks, but it is what it is. So, while I'm not trying to dissuade you, as there have been some, I would always make as plan B to keep in reserve to be on the safe side. Wish you luck though.

[sundaymorningstaple]

Hi all! Happy New Year!

Interesting topic here. Why would a loan impact the SC Application?

Curious if anybody knows what are the considerations ICA has.

Thanks.

In theory, it won't, but we cannot see all the cards that ICA holds extremely tightly to their collective chests. A lot we can only surmise by 17 years on this board and following trends as we are a virtual collection of fact, anecdotal evidence and other bits & pieces we pick up in our ever widening circle of acquaintences. Good example. A number of years ago, before MOM built their new centre out at upper Serangoon Road, but when they were still on Havelock Rd. I was invited by one of the Directors of MOM via the administrators of this site (who told me that our site was often used as a reference site by MOM officers for the accuracy and fairness of the information we dispense. It was to be a 4-eyes meeting for about 20 minutes. It ended up a 6 eyes meeting that stretched to almost 3 hours and lunch as well. The reason? They liked how I moderated and the knowledge I dispensed and wanted information on how to streamline and make their appeals processes more flexible and accurate and available. In another instance I was also invited, again by name (nick), via the Admins here to appear on a panel discussion on CNA with regards to PRs in Singapore (I've been a PR over quarter of a century). In fact, on the old MOM website, this forum was actually listed on two different pages as a place to get further information.

So, while we don't know everything, we have a multitude of experiences and you reader/member are our data input information. We are not always right, but I believe we beat any other source out there to the point even the Government agencies read the forum (probably for honest feedback on their policies that they wouldn't normally get for fear of being rejected).

So, back to your question. Let's assume you were heavily in debt like so many here. To the point that you had your back up against the wall, as it were. Do you think the government would want to give that person "Permanent Residency" here. Volunteering to take a walking Bankruptcy Case? And in a lot of cases, having PR will allow you to get even more debt where an EP may not. Makes good sense to check D&B and also local credit bureau. They definitely don't want to buy rotten eggs.

[mystic_river]

So, back to your question. Let's assume you were heavily in debt like so many here. To the point that you had your back up against the wall, as it were. Do you think the government would want to give that person "Permanent Residency" here. Volunteering to take a walking Bankruptcy Case? And in a lot of cases, having PR will allow you to get even more debt where an EP may not. Makes good sense to check D&B and also local credit bureau. They definitely don't want to buy rotten eggs.

I think his question was about SC, not PR. Also, if a local bank has approved you for a home loan, they try and make pretty damn sure you won’t be a bankrupt case (this is why TDSR is in place and they use stress test interest rates to give you the appropriate bank loan)

We can only make guesses here but I doubt home loan would have much of an impact on an SC application. If however you are in other huge debts (e.g. credit card) then that’s a different ball game altogether and I guess the govt would find that out by checking your credit score. Can they do that? I was asking that same question the other day.

[singaporeflyer]

So, back to your question. Let's assume you were heavily in debt like so many here. To the point that you had your back up against the wall, as it were. Do you think the government would want to give that person "Permanent Residency" here. Volunteering to take a walking Bankruptcy Case? And in a lot of cases, having PR will allow you to get even more debt where an EP may not. Makes good sense to check D&B and also local credit bureau. They definitely don't want to buy rotten eggs.

I think his question was about SC, not PR. Also, if a local bank has approved you for a home loan, they try and make pretty damn sure you won’t be a bankrupt case (this is why TDSR is in place and they use stress test interest rates to give you the appropriate bank loan)

We can only make guesses here but I doubt home loan would have much of an impact on an SC application. If however you are in other huge debts (e.g. credit card) then that’s a different ball game altogether and I guess the govt would find that out by checking your credit score. Can they do that? I was asking that same question the other day.

When anyone can pay a small fee and get the credit score from Credit Bureau, you think the Gov can't if they need to?

Earlier in the applications there used to be a declaration signed by the applicant, that authorises ICA to get relevant information including financial info from different agencies for processing the application.

[mystic_river]

[quote=mystic_river post_id=860280 time=<a href="tel:1641015820">1641015820</a> user_id=155511]
[quote=sundaymorningstaple post_id=860278 time=<a href="tel:1641009470">1641009470</a> user_id=2489]

So, back to your question. Let's assume you were heavily in debt like so many here. To the point that you had your back up against the wall, as it were. Do you think the government would want to give that person "Permanent Residency" here. Volunteering to take a walking Bankruptcy Case? And in a lot of cases, having PR will allow you to get even more debt where an EP may not. Makes good sense to check D&B and also local credit bureau. They definitely don't want to buy rotten eggs.

I think his question was about SC, not PR. Also, if a local bank has approved you for a home loan, they try and make pretty damn sure you won’t be a bankrupt case (this is why TDSR is in place and they use stress test interest rates to give you the appropriate bank loan)

We can only make guesses here but I doubt home loan would have much of an impact on an SC application. If however you are in other huge debts (e.g. credit card) then that’s a different ball game altogether and I guess the govt would find that out by checking your credit score. Can they do that? I was asking that same question the other day.
[/quote]

When anyone can pay a small fee and get the credit score from Credit Bureau, you think the Gov can't if they need to?

Earlier in the applications there used to be a declaration signed by the applicant, that authorises ICA to get relevant information including financial info from different agencies for processing the application.
[/quote]

The question here isn’t so much about whether they could. It’s more about whether the would.

Btw, whenever an application is made to get an individual’s credit score, it is mentioned on the credit report itself. I don’t know if ICA would want to leave a record of that on the report.

Also, the authorization you’re talking about is to get info from different government agencies. Credit bureau Singapore isn’t one.

[smoulder]

So, back to your question. Let's assume you were heavily in debt like so many here. To the point that you had your back up against the wall, as it were. Do you think the government would want to give that person "Permanent Residency" here. Volunteering to take a walking Bankruptcy Case? And in a lot of cases, having PR will allow you to get even more debt where an EP may not. Makes good sense to check D&B and also local credit bureau. They definitely don't want to buy rotten eggs.

I think his question was about SC, not PR. Also, if a local bank has approved you for a home loan, they try and make pretty damn sure you won’t be a bankrupt case (this is why TDSR is in place and they use stress test interest rates to give you the appropriate bank loan)

We can only make guesses here but I doubt home loan would have much of an impact on an SC application. If however you are in other huge debts (e.g. credit card) then that’s a different ball game altogether and I guess the govt would find that out by checking your credit score. Can they do that? I was asking that same question the other day.

When anyone can pay a small fee and get the credit score from Credit Bureau, you think the Gov can't if they need to?

Earlier in the applications there used to be a declaration signed by the applicant, that authorises ICA to get relevant information including financial info from different agencies for processing the application.

While I do not disagree that the government can and probably could be obtaining the credit information, I believe the declaration you are referring to is in the PR application and it is very specific - it is consent to allow the ICA to obtain tax information from IRAS.

[sundaymorningstaple]

So, back to your question. Let's assume you were heavily in debt like so many here. To the point that you had your back up against the wall, as it were. Do you think the government would want to give that person "Permanent Residency" here. Volunteering to take a walking Bankruptcy Case? And in a lot of cases, having PR will allow you to get even more debt where an EP may not. Makes good sense to check D&B and also local credit bureau. They definitely don't want to buy rotten eggs.

I think his question was about SC, not PR. Also, if a local bank has approved you for a home loan, they try and make pretty damn sure you won’t be a bankrupt case (this is why TDSR is in place and they use stress test interest rates to give you the appropriate bank loan).

I don't think it makes much difference. A lot might depend on what information they get from IRAS, CPF board and also lifestyle. Remember, permanent resident is still only permanent by grace of the government. However, citizenship means you could become a ward of the state in a worst case scenario. It's these unknown bits of data that we cannot know and can only surmise for better or worse. If nothing else, it give our readers food for thought. Anything I have dreamed up can legally be done by the government here both with or without your knowledge. Have you ever wonder why, in some PR cases that ask for a family in the home county's CV for all members of the family? What possibly use could that be? I know plenty. Could be from financial, to criminal, to potential racial/other facets the the applicant is coming from and the possible ties still there. Or is the extended family being held for ransom (not physically but financially). Remember, most applicants for PR and SGC are from 3rd world countries where instability is commonplace. Secured loans are one thing, the ease of CC debt is another.

[mystic_river]

[quote=mystic_river post_id=860280 time=<a href="tel:1641015820">1641015820</a> user_id=155511]
[quote=sundaymorningstaple post_id=860278 time=<a href="tel:1641009470">1641009470</a> user_id=2489]

So, back to your question. Let's assume you were heavily in debt like so many here. To the point that you had your back up against the wall, as it were. Do you think the government would want to give that person "Permanent Residency" here. Volunteering to take a walking Bankruptcy Case? And in a lot of cases, having PR will allow you to get even more debt where an EP may not. Makes good sense to check D&B and also local credit bureau. They definitely don't want to buy rotten eggs.

I think his question was about SC, not PR. Also, if a local bank has approved you for a home loan, they try and make pretty damn sure you won’t be a bankrupt case (this is why TDSR is in place and they use stress test interest rates to give you the appropriate bank loan).
[/quote]

I don't think it makes much difference. A lot might depend on what information they get from IRAS, CPF board and also lifestyle. Remember, permanent resident is still only permanent by grace of the government. However, citizenship means you could become a ward of the state in a worst case scenario. It's these unknown bits of data that we cannot know and can only surmise for better or worse. If nothing else, it give our readers food for thought. Anything I have dreamed up can legally be done by the government here both with or without your knowledge. Have you ever wonder why, in some PR cases that ask for a family in the home county's CV for all members of the family? What possibly use could that be? I know plenty. Could be from financial, to criminal, to potential racial/other facets the the applicant is coming from and the possible ties still there. Or is the extended family being held for ransom (not physically but financially). Remember, most applicants for PR and SGC are from 3rd world countries where instability is commonplace. Secured loans are one thing, the ease of CC debt is another.
[/quote]

Ergo, we don’t know but can make educated guesses.

Also, apologies I didn’t read the original question properly, which was to ask about the effects of a loan in general and not necessarily about a secured loan.

OP (@The_Sunday_Studio) if you’re talking about a secured loan for say, home/car, it shouldn’t have much of an impact. If however you are talking about loans from loan sharks and assuming the government knows about this, it’d likely have an impact.

[Hung Ngothe]

Dear All.
I am going to apply for PR for the first time.

Profile:
Student at Singapore Poly (Chemical School)
Female: 19 years old, single
Nationality: Vietnamese
Length of stay in Singapore: 4 years (from Secondary 2)
Receiving the Tuition Grant of MOE Singapore

Please help advise my chance of getting PR approval. Thanks All

[singaporeflyer]

Dear All.
I am going to apply for PR for the first time.

Profile:
Student at Singapore Poly (Chemical School)
Female: 19 years old, single
Nationality: Vietnamese
Length of stay in Singapore: 4 years (from Secondary 2)
Receiving the Tuition Grant of MOE Singapore

Please help advise my chance of getting PR approval. Thanks All

Where are you Currently based?
Applying under which scheme?
Which national level exams have you taken?
At a high level, chances look very low.

[fyopsaw]

Sorry for doubt post

[fyopsaw]

Hi everyone! Happy new year!
It is my second time to apply for PR, I'm new here and really grateful for your guidance!

Age: 26
Race: Chinese
Gender: Male
Marital Status: Single
Religion: Free thinker
Education: Local secondary school with both "N" & "O" Level;
Full-time Diploma (3 years in BCA Academy);
Part-time Bachelor in Industrial Engineering currently (2nd year in NUS)
Industry: Building and Construction
Pass: SPass
Salary: Basic 32k+; Gross 40k
No. of tax paid: 1 time so far
Length of stay: 2011 to current (11 years)

The first time was in 2019 Aug, while holding SPass without doing degree and tax not required.
I plan to apply this month, There is a mistake that has been discovered. My birth certificate was not translated and notarized last time.

Thank you again for your guidance, please help me calculate the probability.
~

[singaporeflyer]

Hi everyone! Happy new year!
It is my second time to apply for PR, I'm new here and really grateful for your guidance!

Age: 26
Race: Chinese
Gender: Male
Marital Status: Single
Religion: Free thinker
Education: Local secondary school with both "N" & "O" Level;
Full-time Diploma (3 years in BCA Academy);
Part-time Bachelor in Industrial Engineering currently (2nd year in NUS)
Industry: Building and Construction
Pass: SPass
Salary: Basic 32k+; Gross 40k
No. of tax paid: 1 time so far
Length of stay: 2011 to current (11 years)

The first time was in 2019 Aug, while holding SPass without doing degree and tax not required.
I plan to apply this month, There is a mistake that has been discovered. My birth certificate was not translated and notarized last time.

Thank you again for your guidance, please help me calculate the probability.
~

Not going to be easy. Increase salary and apply after 3 tax filings in SG.

[fyopsaw]

Hi everyone! Happy new year!
It is my second time to apply for PR, I'm new here and really grateful for your guidance!

Age: 26
Race: Chinese
Gender: Male
Marital Status: Single
Religion: Free thinker
Education: Local secondary school with both "N" & "O" Level;
Full-time Diploma (3 years in BCA Academy);
Part-time Bachelor in Industrial Engineering currently (2nd year in NUS)
Industry: Building and Construction
Pass: SPass
Salary: Basic 32k+; Gross 40k
No. of tax paid: 1 time so far
Length of stay: 2011 to current (11 years)

The first time was in 2019 Aug, while holding SPass without doing degree and tax not required.
I plan to apply this month, There is a mistake that has been discovered. My birth certificate was not translated and notarized last time.

Thank you again for your guidance, please help me calculate the probability.
~

Not going to be easy. Increase salary and apply after 3 tax filings in SG.

Thank you! I checked my Form4A yesterday and spotted around 5 mistakes..I even choose the wrong type of the travel document (International Passport > Cert in lieu of Passport).
I'll check it more carefully this time! Thank you again for your review~

[Benenva]

Hi everyone, hope you’re all well and keeping safe!

Apologies for the lengthy post, but I’m planning to apply for PR for the second time (applied first time in May 2019 and rejected in Oct 2019) and would like to get some feedback. Sharing current profile details, improvements since rejection and a few clarifying questions I was hoping you could help answer:

Current Profile:
• Age: 31
• Race: British
• Gender: Male
• Marital Status: Married (in Singapore)
• Children: 20 month old daughter
• Religion: Free thinker
• Education: 2.1 Bachelor of Arts in German and Economics from University of London
• Industry: Advertising Technology
• Position: Account Director leading a team of 3
• Pass: Employment Pass
• Salary: Basic 146k/annum, Gross 197k/annum
• No. of tax paid: 4 times
• Length of stay: 4.5 years

Spouse:
• Age: 31
• Race: Serbian
• Gender: Female
• Education: Diploma Media & Communications
• Industry: Opened a sole proprietorship in Singapore in Oct 2021 to deliver personal training classes to local post-partum mothers (5 Singaporean clients thus far)
• Pass: Dependent Pass
• Salary: ~1.5k/month


We used an agency for our first application and from reading some of the threads on here, I can see that was a mistake (planning to apply independently this time)! Improvements in profile since we last applied include:

• Starting a family in Singapore
• 6% increase in salary and becoming a team lead (previously an individual contributor)
• Spouse completing a personal training certification and opening a sole proprietorship in SG, targeting Singaporean post-partum mothers
• Investment portfolio in Singapore


Questions I was helping you could help me with:

1. What is the likelihood of approval based on our profile and is now a good time to apply?
2. Should I or my spouse apply as the main applicant? We are planning to apply as a family.
3. If I apply as the main applicant, would it be worthwhile emailing the ICA a copy of my spouse’s personal training certification and the ACRA business profile of her sole proprietorship?


Thanks in advance for your help!