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Hihi Michael,

I am Joey from ERA and I am happy to answer your concerns.

Your fiancée’s existing HDB flat is bought under joint names - her and her mother’s name? Has this flat meet the MOP?

If she has bought under her and her mother’s name and this HDB flat has met the MOP, there are 3 ways you can do to remove her name in this existing flat and then both of you can proceed to buy the resales HDB

1) Transfer of ownership – transfer her share to her mother. To do that, her mother must refund her the CPF that she used for the flat.

2) Sales of her sales to her mother

3) Last option is to sell the existing HDB

I have previously assisted my client on similar case and would be happy to share with you more.

kindly contact me at https://wa.me/6594365945 to advise you further.

Should you require assistance in buying, selling, renting or investing of properties in Singapore, you can contact me for a non obligatory discussion. I am an active & experienced agent and have assisted many happy sellers in their sales of houses for the past 15 years with GOOD track record. Happy to help.

Ong Joey (CES, BBM [SMU])
Senior Marketing Director, ERA Realty Network Pte Ltd
CEA Reg. No: R011492A
Email: joeyongproperty@gmail.com Contact | (+65) 9436 5945 
Web: www.94365945.com |www.simplyhappyhomes.com
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TESTIMONIALS from our Happy Clients:

“We'd like to thank you …for assisting with the sale of our previous flat and purchase of our current home. You have kept us regularly updated throughout the process and demonstrated integrity during negotiations and final transactions. You have basically earned our trust as truly hard-working, diligent property agents. Would gladly recommend you to others. Wishing you all the best in your future endeavours. “ Mr Nathan

“It has been our pleasure working with you for the disposal of our flat. You have put in the effort more than what you should have in helping us manage the buyers especially the Tan family.
We did also see the assistance you've provided to the Tan family where they were not represented by any agents and we've been impressed by your professionalism & not to mention the time you've taken to travel, at the buyers request, etc, etc.
We appreciate your efforts and wishing you both prosperity as we usher into the year of the Snake.
Thank you” Ms Karen Read More

Hi, appreciate your sharing. Able to write in or make appointment to meet branch manager to decide.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Hi,

1) It is obvious that your fiancee's mother does not have the financial capacity to takeover the flat by herself.
2) If you are not planning to stay with her mother, the only way is to sell the current flat, of course this is not immediate.
3) Her mother can apply for a 2-rm flexi BTO with a lower lease. The flat costs between $108,000 and $286,000. The exact price depends on the project, location, and chosen lease duration.
4) She should be able to afford it after selling the existing flat.
5) Your fiancee cannot continue to use her CPF for the current flat when her name is removed from the flat.
6) She also has to remove her name from the existing flat within 6 months after buying with you.
7) So, now you have to use time instead of using money to solve your issue.

All the best!

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

Hope the above answers your main concerns, but if there are more queries, 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
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer
https://www.linkedin.com/in/ckling/ Read More

Hi,
Firstly, if your fiancée’s mother is able to take over 100% ownership of the current flat and meets HDB’s eligibility and financial requirements, your fiancée can then remove her name from that flat.

Secondly, if your fiancée wishes to continue using her CPF to pay for the existing flat, she must remain an owner. In that case, she cannot be listed as an occupier in any new HDB flat purchase.

✅ Available Options:
Transfer or sell her share in the existing flat to her mother (if her mother qualifies to take full ownership).

You buy a private property under your name only — no ABSD if you don’t own any property.

Wait until the existing flat is sold or her share is transferred, then proceed to buy a resale HDB flat together.

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

Testimonial from Satisfied Clients
-- My husband and I wish to commend the sincere attitude and good customer service rendered by your staff Jenny, who handled the sale of our 5R HDB flat early this year. We have met several agents but none as genuine as Jenny. Being a seller agent, she took our interest at heart in handling the sale, unlike other agents who are self-interest. Jenny is punctual and prompt in the whole dealings and we were convinced that such an agent is hard for find nowadays. Jenny is a trustworthy, honest, sincere and hardworking agent. We are happy with her service and would gladly recommend her to our friends in future. Jenny is an asset to Propnex and the organisation should value her. Thank you Jenny for her efforts--
Mr and Mrs Soo (HDB seller)

--Jenny is very committed and responsive to her clients and she has spent hours updating them and looking out for great deals and even tailor-made property proposal geared towards their needs. Will certainly refer her to others and will definitely approach her again in her future--
Nick and Kim (New launch buyer)

--Jenny did a great job helping my wife and I sell our unit. She took active steps to walk our neighbourhood to understand what she was marketing. During the marketing period, she managed potential buyers and provided timely updates and recommendations so we could stay on top of the process. Overall, Jenny was professional and helped us to achieve a positive result which we are very thankful for--
Aaron ( HDB seller)

--Jenny was very passionate and went the extra miles to help. Thanks to her professional advice and recommendations, I had finally found my dream home--
Yvonne (New launch buyer)

--Appreciate Jenny's clear and prompt communication style with us and other stakeholders. She was also patient and client-centered throughout the process of finding a home that met our criteria. As a first-time home buyer, we appreciate how she went out of her way to explain the process and answer questions we had--
Samantha (Resale condo buyer) Read More

Hi

To be able to continue to use CPF OA to fund the property or service the loan, that person has to be owner of the flat as well. Since she has to be owner of her existing flat, her name can't be removed and changed to become occupier for your next HDB purchase.

If you are 35 years old and single, can purchase resale HDB now on your sole name first. Or another way is to purchase a private property on your sole name. If not can consider to sell away the existing flat and right-size to a smaller flat so that your future mother-in-law can purchase one without using your fiancee's cpf OA

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Multiple Diamond Award Achiever

SEAA Salesperson Achievement Award (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 11th Achiever in Feb 2024 (Top 1% Company Level)
ERA Top 64th Achiever in March 2024 (Top 1% Company Level)
ERA Top 37th Achiever in Oct 2023 (Top 1% Company Level)
ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
ERA Top 11th Achiever in June 2020 (Top 1% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
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**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! **

-- HDB Executive Maisonette Sellers, Mr & Mrs Yeo --

Before contacting Ivan Ng, our Property Realtor, we were quite apprehensive about our Contra-deal ( concurrent resale & purchase of HDB flats) as at that time the outlook of the resale property market was quite sluggish & pessimistic. But surprisingly our property realtor, Ivan , was able to put us at ease with his professional competence, astute work experience & friendly nature . He was able to consummate our contra-deal within one month of our HDB application. Now we are convinced by his promise that (in Ivan's own words) ... "A contra-deal is where the sale & purchase transactions are done concurrently and completed on the same day. This results in a seamless transition of the funds from your sale proceeds and CPF proceeds towards your purchase price." More importantly Ivan has also managed to clinch a good deal for our contra-deal. We'll certainly recommend him to our kins & friends. Thank you very much, Ivan. We are definitely your satisfied customers!

-- HDB Yishun BTO 5-RM Sellers, Private Property Upgraders Mr. & Mrs. Koh --

I would like to express my appreciation to Ivan Ng for his excellent work. Ivan is a dedicated, client-focused, patient and sincere agent. Throughout the whole process of selling and looking for our next property, he has always acted very professionally that makes my wife and I feel at ease and assured. Ivan is not a pushy and hard sales agent. Ivan listens and understands our needs and carefully guided us through. We are fortunate to have Ivan as our agent. Thank you Ivan. Read More

Unfortunately no, if she needs to use her CPF monies to contribute to the repayment, she needs to be a co-owner of the property. Unless her mother can undertake the whole financial repayment of the flat as well as refund your fiancee the CPF monies she has used for this flat plus the accrued interest, if she is eligible to own the flat on her own.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 15,900 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Deputy Branch Associate Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Good day to you,

For your fiancée to remove her name from the co-owned unit, her mother must have the financial capacity to execute the part-purchase of the share from her daughter.
Without that, the next best option is to market the unit in the open market and utilize the funds to secure a 2-room flexi unit if your fiancée's mother is eligible.

Navigate Property Decisions with Confidence

With over 15 years of experience in Singapore's residential property sales and purchase (S&P) cases, I understand the complexities involved in the process. I aim to guide you every step of the way with clear communication, ensuring that all parties are legally represented and protected.

I offer in-depth knowledge in:
Ø Estate Planning and Distribution: Planning for the future can feel daunting. Let’s work together to create a smooth, transparent process that brings peace of mind.
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Schedule a Free Consultation Today! Let's discuss how I can assist you in your property journey. For more informative insights, follow our short video here: https://www.youtube.com/@YourSGHomeCompass-MLnU.

Regards
Mike Lim
 96929209 
R026708F
m52i@yahoo.com
ERA Read More

1. **Ownership and MOP:** If your fiancée’s current HDB flat is jointly owned with her mother and has met the Minimum Occupation Period (MOP), there are a few ways to remove her name from the flat to proceed with purchasing a resale HDB together.

2. **Options to Remove Name:**

* **Transfer of Ownership:** Transfer her share to her mother, who would need to refund the CPF used for the flat.
* **Sale to Her Mother:** She can sell her share of the flat to her mother.
* **Selling the Flat:** If neither of the above options is feasible, the only solution is to sell the flat, though this is not an immediate step.

3. **Financial Considerations:**

* It seems your fiancée’s mother may not have the financial capacity to take over the flat independently.
* If you’re not planning to stay with her mother, selling the flat is likely the best option.

4. **Flexi BTO for Mother:** After selling the existing flat, her mother could apply for a 2-room Flexi BTO with a shorter lease. The cost would range from \$105,000 to \$280,000, depending on the project, location, and lease duration.

5. **CPF Consideration:** Once your fiancée’s name is removed from the current flat, she cannot continue using her CPF for that property.

6. **Time Frame:** She must remove her name from the existing flat within 6 months after purchasing a resale flat with you.

*"A goal without a plan is just a wish."* — Antoine de Saint-Exupéry
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