My wife is still a Singapore Citizen and only a US PR and her name is not on the house. If I apply for an HDB loan they will do a credit check on me and find I have an existing mortgage, right?
Based on how you read the requirements on the HDB website, it might mean that only the Singapore Citizen can't own property. If that was the case, then we would also qualify for a $30k housing grant for families.
Steve