6 Answers

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

We are sorry to hear about your situation.

If you have children, HDB may allow you to retain the flat according to the court order, subject to HDB's eligibility conditions.

If you are allowed to do so, you are required to obtain a confirmation from the HDB and follow their procedures.

Your spouse will be required to pay any outstanding stamp duties, fire insurance premium, late payment charges, or bill charges and so on before the transfer can take place.

Whatever CPF amount used with accrued interest will be paid to your former spouse. You will need to ask your spouse to log in to his CPF account to check the total amount to be refunded.

You may read more about it via HDB's link here: https://www.hdb.gov.sg/cs/infoweb/residential/living-in-an-hdb-flat/changing-owners-occupiers/change-in-ownership/transfer-of-flat-ownership/guide-on-transfer

You may find our guide her useful: https://www.propertyguru.com.sg/property-guides/divorce-in-singapore-property-29901

Hope this answers your question.

Best Regards,

Team PropertyGuru Read More


Jeffrey Heng

Sorry to hear about your current predicament. Like you have mentioned, the most direct method to hold the property will be to reach 35v years of age. If you haven’t then the next method will be to form a family nucleus.

If you have a child with you and you have the custody of the child, you can form a family nucleus and hold the house. Alternatively you can form a nucleus with your parents too if they do not own any HDBs themselves.

If you have anymore questions, please feel free to contact me and I can explain more to you also. Looking forward to hear from you soon! Cheers!

Best Regards,

Jeffrey Heng
Associate Executive Director (Sincerus Division)
OrangeTee and Tie Pte Ltd
NAVIS Living Group - The fastest growing group in OrangeTee that believes in Technology, Training & Teamwork (3Ts)

Mobile : +65 9858 1322
Email : hengjeffrey@gmail.com
Web : www.sgpropertyadvisers.com

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Aaron Chong
Hi, I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Hope to hear from you soon and have a great week ahead. By the way, have you spoken to your ex husband about your intention to buy over his shares of the flat in the event that you could own it together with your children?

Aaron Chong
9730 8455
aaronchong2774@yahoo.com.sg Read More


Nick Tan
Dear Mdm,

Sorry to hear about your situation. Under the current HDB ruling, you will not be eligible to hold on to the HDB as you are under the age of 35. You may try to appeal to HDB and provide some justifications to see whether HDB is able to give a waiver.

Alternatively, you may seek HDB's permission to sell the unit in the open market and use the sales proceeds to buy a private condo or a resale flat when you are eligible.

I have assisted many clients in the same situation and will be happy to guide and assist you further. Please feel free to contact me so that I can understand your situation better and assist you further.

Nick Tan
(M) +65 9644 4854
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com
SEAA Salespersons Achievement Platinum Award 2020
Visit my website to get to know me better:
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Testimonial from Satisfied Clients
“I would like to recommend Nick Tan from SRI. Before we engaged Nick, we were working with another agent from a very popular property agency in February 2017. We decided to terminate the contract after 5 weeks of zero viewings and no paper advertisements. Basically he was just waiting for phone calls. We engaged Nick on 20th April and by 10th of May, our unit was sold off. Why Nick? 1. He has good marketing strategies 2. He always kept us posted on what he did (communications!) 3. He made sure we understand the current market situation but he will consistently reassure us that the unit can be sold off 4. He is not greedy and trusting 5. He walks the talk”
Peter & Wendy (Property Seller)

I write to commend Nick Tan (R040814C). When my husband and I first met Nick, we were impressed by his drive, commitment, business acumen and strategical thinking, and decided to engage him. We were not disappointed. Nick sourced for prospective quality buyers in a targeted methodical fashion and was effective in connecting us with serious buyers, notwithstanding the fact that the search primarily took place over Dec – Feb (a traditional lull period). Throughout the transaction, he also gave us helpful advice in various aspects; the advice reflected his personal experience and expertise and was not simply regurgitated from public sources without any value-add. Further, Nick went beyond the call of duty of a competent professional. He had a sense of humanity in the way he interacted with myself and the other parties to the transaction such as my parents. As an example, my newborn daughter was warded into A&E on the completion date of the transaction; the care and concern that Nick showed went beyond the scope of work of an estate agent. I commend Nick for his capabilities and character, and would certainly wish to engage him for future property transactions.
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“We are very grateful to Nick for his extensive marketing efforts. With his comprehensive marketing plan, he helped us to achieve a record selling price within 2 weeks of listing our property for sale! We highly recommend his service to anyone who is keen to sell their properties.”
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Robbie Chen Chee Howe
Hi Ms,

Sorry to hear about your situation.

According to HDB rules, you will not be eligible to "buy over" the flat, unless you are able to form a valid family nucleus.

However, you may wish to appeal to HDB, citing reasons why you should allowed to hold onto the flat. Approval will be on a case-by-case basis. Do let me know should you require assistance in your appeal.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans.

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


Taufik Hussein

You may purchase your husband share if you have a child under your legal custody, care and control and form a family nucleus with him. Do contact me at 93375051 for a free and non obligatory discussions on this.

Taufik Hussein
ERA Realty Network Pte Ltd Read More