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Good day to you.

As an Orphanated Singaporean, you can apply for resale HDB unit under Single scheme. This approach would not affect your sibling's private property ownership, and yet fulfil your homeownership intention.

Navigating a property transaction can feel overwhelming, especially when it intersects with major life events.
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Hi,

1) I believed you are eligibility to buy BTO/SBF and resale flat under the Orphan scheme.
2) Suggest you to apply an HFE to understand on your financial status to determine which type of purchase suit your current situation.

All The Best!!!

Hope the above answers your main concerns, but if there are more queries, please feel free to contact me at 90110636  or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
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You can try applying for HFE to see your eligibility.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market. Check out the EdgeProp featured article on myself recently at https://www.edgeprop.sg/property-news/geryl-lim-leading-landed-real-estate-heart-hustle-and-harmony

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 15,900 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

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Hi

Yes you can buy as a single singaporean citizen, under orphans scheme, to get resale HDB. You can apply the HFE letter next.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 home-owners to smoothly complete their housing plans over the years. Please reach out to me at (65) 9 7 4 3 2 3 9 5 for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

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I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy.

I would love to schedule a free consultation to discuss your HDB options based on your current circumstances.

Kay Cloud
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Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Hi! This is a very specific eligibility situation — let me break it down honestly for you. ????

**On the Orphan Scheme:**
The HDB Orphan Scheme allows applicants who have lost both parents to include siblings as co-applicants to qualify for an HDB flat. However there are key conditions:

- At least one sibling must be listed as co-applicant
- The sibling co-applicant must not own or have an interest in any private residential property
- Since your sibling owns an inherited private property, she is unfortunately unable to be your co-applicant under the Orphan Scheme

**This means the Orphan Scheme is not available to you in your current situation.**

**On applying as a sole applicant under 35:**
Unfortunately HDB does not allow singles below 35 to purchase an HDB flat as a sole applicant under any current scheme — this applies across the board regardless of orphan status.

**What options are available to you:**

1. **Wait until 35** — at 35 you can apply under the Single Singapore Citizen Scheme to purchase a 2-room Flexi flat in non-mature estates or a resale flat of any size

2. **Joint Singles Scheme** — at 35 you can co-purchase with another single Singapore Citizen who also meets eligibility criteria — your sibling however would be excluded due to her private property ownership

3. **Public Rental Scheme** — if you need immediate housing, you may qualify for HDB public rental as a lower income option in the interim

4. **Appeal to HDB** — given your unique circumstances as an orphan under 35, it is worth writing in formally to HDB to appeal for special consideration. HDB does handle exceptional cases on a case by case basis and your situation may warrant compassionate review

**My honest recommendation:**
Submit a formal appeal to HDB at www.hdb.gov.sg explaining your circumstances in full — orphan status, sibling's property situation and your age. This is genuinely your best immediate option while you wait to turn 35.

Are you currently looking for interim rental accommodation in the meantime? I can help you find a suitable room or flat rental while you navigate this. ???? Read More

Checking your HDB eligibility involves navigating specific regulations. Because your sibling holds an interest in a private estate, they cannot join your application under the Orphan Scheme. Furthermore, solo applicants must typically reach the age threshold of 35 to secure a flat.

✔1 SIBLING DISQUALIFICATION: Since your sister owns private property, she is ineligible to be a co-applicant under the Orphan Scheme.

✔2 SINGLEHOOD BARRIER: Singapore Citizens must wait until age 35 to buy an HDB flat alone as no early-age exceptions exist for singles.

✔3 MATURITY OPTIONS: At age 35, you gain the right to purchase a 2-room Flexi flat or any resale unit on the open market.

✔4 RENTAL ASSISTANCE: The Public Rental Scheme serves as a temporary housing solution if you meet the financial criteria before turning 35.

✔5 COMPASSIONATE REVIEW: Write a formal letter to HDB management to seek special permission for your specific circumstances and orphan status.

Patience is the companion of wisdom. — Saint Augustine

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