11 May 2011, 10.18PM
I am at loss of
what I need to do to get a roof over my family.
I have tried to
appeal for rental flat and also apply new flat from HDB but to no
I just want some
advice from anyone who can help to overcome my difficulties and help
me getting a roof over my head for my kids and me.
Let me highlight
what I have done since 2009, just maybe anyone can tell me where
should I go from here.
I am a divorcee
with 3 children under my custody. Also I was made a bankrupt by my
ex-husband’s action of cheating me financially and the bank for non-payments of
renovation loan for my first house.
I have to comply
with HDB regulation to sell my 4 room flat in 2009 because of my
divorce case. My first and only HDB house was sold at a loss.
Since then, I
have been staying with my sister’s family (family of 5 kids and 2
adults), together with my parents (2 adults) and another sister’s
family (family of 1 kid and 2 adults. In total, there are 16 people
occupying the 4-room flat.
Living in a house
with 16 people is definitely difficult. It has somehow or rather
invaded my family’s as well as my sisters’ families privacy. My
children and I are now sleeping in the living room. Our belongings
are scattered around and are mostly kept in the storeroom. My kids
have no place to study peaceful
In order to
provide a more conducive environment for my growing children, I have
been in correspondence with HDB and have visited the MP thrice in my
effort to purchase a flat. However, up till now, I am still without
any home of my own.
I had appealed
for the following since 2009
Rental – not
eligible to rent due to income ceiling (even before I can submit my
flats/ Returned flats – HDB loan & the use of CPF funds to pay
for resale levy.
In their reply,
HDB is only able to give a small loan of $100k as I am a sole
breadwinner and a bankrupcy and will consider the use of CPF funds to
pay for resale levy. They also suggested that I consider applying
As per their
advice, I have applied for 3 BTOs and all three applications were
rejected as priority was given to first-time buyers and my number is
above the supply of flats. Only if you are a first timer, then they
This is my
dilemma and problem.
am caught in the situation where:=
I was in the position to apply a new house from HDB because of my
non-first timer status and priority given to first-time buyer.
cannot rent a flat from HDB because of my high income ceiling.
cannot rent a flat from open market because I am cash strap and need
the cash for my family expenses (my ex-husband is unemployed and
does not give maintenance expenses)
cannot buy a flat from open market because of my bankruptcy status.
This is my last resort to seek anyone’s
help for my predicaments.
My next question
is, it takes estimated 3 – 5 years for the BTO houses to be up and
if they keep rejecting my application, when am I able to get a home.
As times goes by, houses are becoming more and more expensive and my
children are growing.
I am asking for
help or alternative that I could have in trying to provide home,
shelter and security for my children so that they are able to live
and grow conducively.