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For HDB flats, my wife is the sole owner. I am an authorized occupier (but somehow, myHDB portal does not say I am an "essential occupier". Is there a difference between authorized vs essential occupiers? I gather than if I buy private property under my own name, as an essential occupier, I still pay ABSD. Do I pay ABSD if I am only an authorized occupier?
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6 Answers

Hi,

May I know if you have met your MOP and paid down your housing loan? They both meant essential occupier status. Thanks and hope to understand your situation further before sharing more.

Warm regards,
Ivan ERA
 97432395 
Ivanng10@gmail.com Read More
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Evening,

I would deem that your spouse have purchased the current unit under non-citizen spouse scheme. Hence she is the owner and you are the essential occupier. Upon fulfilling MOP, both of you will eligible to purchase private property. However, being neither SPR or SC, you will be required to pay 10% ABSD. This have nothing to do with being essential occupier or not.

FYI
Mike Lim
 96929209 
m52i@yahoo.com
ERA Read More
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Joanne Chia 谢诗琳
Good day sir .............if you are OCCUPIER status in your wife hdb ..........it should be NO ABSD if you are buying your FIRST private property ..................this is not a common practice but there are such cases and i have personally assist my hdb owner couple to de-couple to buy private property without paying ABSD ..........de-coupling is clearly NOT divorced .............Kindly contact me for a no-obligations chat for your property needs ...................you should call BOTH hdb and IRAS to check about your ABSD If any ...........although i am quite certain you do not have to pay ABSD .............joanne chia ...............chia_joanne@yahoo.com.sg ..............hp 8333 3327  ..............huttons property Read More
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Hi. If you are going to buy a pte property, it will be consider your first property. However absd will depends whether you are a SC or not.
Tricia tan 91442664  Read More
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(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(***) You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

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I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

I also have partners to assist with mortgage home insurance matters.

Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份) :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

*** You can reach me at my Singapore mobile: (65) 98 56 92 55 or email me at Able.selling@gmail.com.

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