7 Answers

askguru expert
Hi there, thanks for writing to us on AskGuru.

Unfortunately, you will not be eligible to buy a Built-To-Order (BTO) flat as you must form a family nucleus and include your husband's name.

You cannot buy it solely under your name.

Your husband must dispose of his condominium and wait out a 30 months period before you are allowed to buy the BTO flat.

Hope this answers your question.

Best Regards,

Team PropertyGuru Read More


Ling CK

1) As long as you are under married status, your spouse must be included in your application being for BTO or resale, he will be automatically be an essential occupier if not owner.
2) Since your spouse own a private property, it means that you could only apply for BTO 30 months after dispose of the private property.
3) The above criteria has nothing to do type of financing your purchase.

Hope the above answer to your main concerns, but if there are more query, 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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Aaron Chong
Hi, nope you can’t use your sole name as you are already married.

9730 8455
aaronchong2774@yahoo.com.sg Read More


Hakim Halim

Here are your other options..
If you decide to sell the Condo (and buy another one later), you can buy a HDB RESALE immediately after selling.
But buying a BTO requires a waiting period of 30 months if you can wait.
You can be registered as owner of HDB and your spouse as an essential occupier. Your spouse can then purchase a private property under his own name after MOP of 5 years. If you can wait, then this is possible..
No ABSD for him as an essential occupier, it does not count as owning a property. Hope this helps !

- Hakim
9144 9841 Read More


Taufik Hussein

Unfortunately, as long as you are married, HDB does not allow you to purchase a flat alone even if you are above 35 years of age. You need to include your husband at least as a occupier of the BTO unit you bought. However since your husband already owns a private condo, he is not eligible to be listed even as an occupier as HDB rules states that an essential occupier must not own a private property within 30 months before purchased of a subsidised HDB. I am specialised HDB transaction. Do contact me at 93375051 for a free and non obligatory discussion on this.

Taufik Hussein
ERA Realty Network Pte Ltd Read More


Silvia Yang
Hi Mdm

I will be glad to assist
Appreciate if you can contact me at (65) 96608508 or Silviayang8@gmail.com
or click here https://bit.ly/WaSilvia to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9660 8508
Email: Silviayang8@gmail.com Read More


Robbie Chen Chee Howe
Hi Mdm,

Irregardless whether you're using CPF, you are still not eligible to apply for a BTO flat as your husband owns a private property.

You can consider HDB resale flat though, but your husband will need to be included as the essential occupier. This means that he will need to sell off his condo latest within 6 months upon the HDB flat purchase.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile 9748 6305. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
9748 6305
PropNex Realty Read More