if you're a PR or your hubs is a PR and one of you is SC with a BTO, can claim back 10k from hdb after u register your baby in sg as a SC. cos PR needs to pay additional 10k for BTO unless they've converted to SC or give birth to a SC child. I think to claim this, it needs to be done within 6 months after the baby is out. also, can use medisave to claim for your prenatal checks and hospital stay/delivery.