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Hi Miss Tan,

Co-owner or we usually term as Applicant 2 in HDB transaction is a person jointly applies to buy a HDB unit with the Main Applicant (Applicant 1). Applicant 2 must together with Applicant 1 forms a family neuleus e.g. husband + wife, fiance + fiancee, ..etc. Applicant 2 shall therefore contributes to paying to service the loan of the house, i.e. he/she has a share in owning the unit.
An occupier co-lives in the unit but does not contribute to the paying of the house, and therefore legally he/she does not have a share owning the unit.
Hope my explanation is clear. Should you still have any question, pls write/call me dennisweeagent@yahoo.com.sg/ 98765130  . Thanks.TC Read More

In the context of HDB ownership in Singapore, there's a clear distinction between co-owner and occupier. Here's a breakdown to clarify your situation:

**Co-Owner:**

* **Legal Ownership:** A co-owner has a legal stake in the property ownership along with the main applicant. Both names would be reflected on the HDB ownership documents (Sale and Purchase Agreement and CPF Ownership Certificate).
* **Rights and Responsibilities:** Co-owners share the rights and responsibilities associated with the property, including decisions about selling or renting it, contributing to mortgage payments, and being liable for any outstanding debts.

**Occupier:**

* **No Legal Ownership:** An occupier doesn't have a legal stake in the property ownership. Only the main applicant's name appears on the HDB ownership documents.
* **Right to Reside:** Occupiers have the right to reside in the flat, but they don't have ownership rights. This right to reside is typically granted through a legal document submitted to HDB.

**In Your Scenario:**

Since your husband is the main applicant for the HDB flat application, you would be considered an **occupier** if your names are included in the application for occupancy upon successful purchase. This means you have the right to live in the flat, but you wouldn't be a legal co-owner.

**Here are some additional points to consider:**

* **Joint Tenancy vs. Tenancy-in-Common (for co-ownership):** If you intend to be a co-owner in future applications (e.g., second HDB flat), you can explore options like Joint Tenancy or Tenancy-in-Common, which grant legal ownership rights to both parties.
* **Eligibility for Grants (for occupiers):** Being an occupier might still make you eligible for certain HDB grants depending on your relationship with the main applicant (e.g., spouse) and the specific grant scheme.

**For a more specific understanding of your situation and potential co-ownership options in future applications, it's recommended to consult an HDB branch or engage a licensed property agent who can provide tailored advice.**
My Answer with regards to your Question:

Allow me Assist Further Read More

In the context of HDB ownership in Singapore, there's a clear distinction between co-owner and occupier. Here's a breakdown to clarify your situation:

**Co-Owner:**

* **Legal Ownership:** A co-owner has a legal stake in the property ownership along with the main applicant. Both names would be reflected on the HDB ownership documents (Sale and Purchase Agreement and CPF Ownership Certificate).
* **Rights and Responsibilities:** Co-owners share the rights and responsibilities associated with the property, including decisions about selling or renting it, contributing to mortgage payments, and being liable for any outstanding debts.

**Occupier:**

* **No Legal Ownership:** An occupier doesn't have a legal stake in the property ownership. Only the main applicant's name appears on the HDB ownership documents.
* **Right to Reside:** Occupiers have the right to reside in the flat, but they don't have ownership rights. This right to reside is typically granted through a legal document submitted to HDB.

**In Your Scenario:**

Since your husband is the main applicant for the HDB flat application, you would be considered an **occupier** if your names are included in the application for occupancy upon successful purchase. This means you have the right to live in the flat, but you wouldn't be a legal co-owner.

**Here are some additional points to consider:**

* **Joint Tenancy vs. Tenancy-in-Common (for co-ownership):** If you intend to be a co-owner in future applications (e.g., second HDB flat), you can explore options like Joint Tenancy or Tenancy-in-Common, which grant legal ownership rights to both parties.
* **Eligibility for Grants (for occupiers):** Being an occupier might still make you eligible for certain HDB grants depending on your relationship with the main applicant (e.g., spouse) and the specific grant scheme.

**For a more specific understanding of your situation and potential co-ownership options in future applications, it's recommended to consult an HDB branch or engage a licensed property agent who can provide tailored advice.**
My Answer with regards to your Question:

Allow me Assist Further Read More

Here’s the difference between a co-owner and an occupier in an HDB flat:

Co-owner means you legally own the flat together with the main applicant. You have ownership rights and are listed on the flat’s title.

Occupier means you live in the flat but do not have legal ownership. You’re not on the title but have the right to stay there.

In your case, since your husband is the main applicant, you can be either a co-owner or just an occupier depending on the application. Usually, spouses are co-owners together unless you specifically choose otherwise.

Being a co-owner gives you legal rights over the flat, while an occupier is simply a resident without ownership.

If you want help with your HDB application or understanding ownership options, feel free to message me anytime.

Aren Goh | 96576701  Read More