Selling your HDB flat under the Singles Scheme to your girlfriend, who is also eligible under the Singles Scheme, and then registering your marriage (ROM) within one month after the sales and purchase agreement is signed involves several considerations:
1. **Eligibility Criteria**: Both you and your girlfriend must meet the eligibility criteria under the Singles Scheme, which typically include being Singapore citizens or permanent residents, being at least 35 years old, and meeting certain income ceilings.
2. **Sales Process**: You can proceed with selling your HDB flat to your girlfriend as long as she meets the eligibility criteria set by HDB for purchasing a resale flat under the Singles Scheme. This involves completing the necessary paperwork, such as the Option to Purchase (OTP) and resale documents, and adhering to HDB resale rules and regulations.
3. **Registration of Marriage (ROM)**: After the sales and purchase agreement is signed, you can proceed with your ROM within one month. It's essential to ensure that all legal and administrative processes for the flat sale are completed before the ROM takes place.
4. **Financial Considerations**: Consider the financial aspects involved, including the selling price of the flat, any outstanding loans, stamp duties, legal fees, and other transaction costs. Additionally, ensure that your girlfriend has the financial means to purchase the flat.
5. **HDB Approval**: HDB's approval is required for the resale transaction. Ensure that you comply with HDB's guidelines and obtain the necessary approvals before proceeding with the sale.
6. **Legal Advice**: It's advisable to seek legal advice from a qualified lawyer to ensure compliance with all legal requirements and to understand any implications of the sale and marriage on your personal circumstances.
7. **Post-Rom Arrangements**: After your ROM, you may need to update your marital status with HDB and other relevant authorities. Consider any changes in housing arrangements or financial planning that may arise after your marriage.
Overall, while it may be possible to sell your HDB flat to your girlfriend under the Singles Scheme and then register your marriage within one month, it's essential to carefully consider the legal, financial, and administrative aspects involved and seek appropriate professional advice to ensure a smooth transition.
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