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All owners and occupiers listed in the flat application must occupy the new or resale Standard and non-SPP[1] flat for a minimum period of 5 years before you may do the following, subject to the respective prevailing eligibility conditions:

- Apply for an HDB Flat Eligibility (HFE) letter
- Sell the flat on the open market
- Rent out the whole flat
- Invest in private property, both local and overseas

The MOP starts from the day your flat purchase is legally completed and excludes any period where you do not occupy the flat, e.g. when the whole flat is rented out or when there has been an infringement of the flat lease. Read More

Hi there! Great question! Here's how it works when it comes to owning a HDB flat and buying an overseas commercial property:

- Owning a HDB flat for 12 months doesn’t restrict you from buying commercial property overseas.
- However, if you plan to finance the overseas purchase with a loan from Singapore, some banks might have their own conditions, so it's good to check with them.
- Just ensure you comply with HDB’s minimum occupation period (MOP) if you intend to buy a second residential property locally in the future.

Feel free to reach out if you need further assistance!

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### Buying Overseas Commercial Property with an HDB

1. **Ownership Freedom**: Owning an HDB flat for 12 months doesn’t prevent you from purchasing commercial property overseas.

2. **Loan Considerations**: If you plan to finance the overseas purchase with a loan from Singapore, check with banks for any specific requirements.

3. **Future Plans**: Keep in mind that if you want to buy another residential property locally later, you’ll need to adhere to HDB's minimum occupation period (MOP).

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