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
Can a occupier apply for a flat him or herself?