3 Answers

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
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  • h***@yahoo.com.sg
    Hi,

    Can a occupier apply for a flat him or herself?
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
2
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
0