4 Answers


Unfortunately no, for SPR household married couple, both SPR need to have held SPR status of 3 years each and must jointly purchase the resale HDB.

You can use a single name to purchase private property no issue. Just that a 5% ABSD will apply on the purchase for 1st residential property.

May I have more info and requirements about your plans so to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Diamond Achiever

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-- EC Sellers, Private Property Buyers Dr. Chan & Ms. Xie --

I would like to compliment Mr Ivan Ng for his professional work and effort.I sent my first post in Jan 2019 and Ivan replied promptly, so I have decided to contact Ivan for follow up. My EC was not ready for sale due to MOP (another 3 months from Jan) at that time and Ivan was able to give me advices on how to proceed from there. Initially we have decided to try to write to HDB for early sale but since it was only 3 months left, eventually we waited for another 3 months while we looked for our next property. Ivan was able to arrange for new property showroom appointment at a timely manner while helping us to list for our EC for sale. We were a bit worried when our EC sale time was longer than expected due to trade war, but Ivan was able to reassure us that our EC would sell. By November, he managed to secure a buyer for our EC. Thank you.

-- 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

HDB flat is meant to encourage building a family. Thus you will notice the eligibility listed on the HDB website to emphasize this intention.
But do consider there is a certain condition that single SC to also should be entitled to enjoy this subsidized benefit, but not to encourage thus only for those still unable to find a life partner at 35 years, are allowed to purchase HDB flats, with certain constraint.

PR as the name suggested, who also contribute to the success of the country should not be deprived of the benefit. But still wished PR who had to contribute for at least 3 years to have a family to stay here permanent are entitled to enjoy the benefit as well.

This was the reason why only PR couple who hold PR status for 3 years are entitled to purchase HDB resale flat.
In order to realize this concept, both of your names must be registered as owners to show your intention.

It is the private property market that gov does not wish to intervene how the way property to be held. Because this further limits the chance and choice of a foreigner who wished to enter into the country to make a contribution and preferred to own rather than rent a place for themselves and their family.
So far gov only monitor closely the price and transaction volume to ensure there weren't unusual activities in property to prevent crime.
As the property market is one of the major ways that money laundering takes place due to the high quantum involved. Thus you see cooling measures implement or tweak from time to time.

You might have read or watch the news during the last few days that gov place a hint on implementing more measures to ensure property price rise does not run ahead of country growth.

If you intend to get a home for yourself and financially ready, it is advised to do it early before new measures implement. You might be affected if LTV tweet like what other countries did, that is your loan amount reduced to 70% instead of the current 75%.
Once this really happens, you will have to delay another few more years to save this additional 5% before you can buy.

Hope the above answer to your main concerns, but if there are more query, 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

Any response to our answer does not reach us until we scroll through each and every query posted daily.
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Robbie Chen Chee Howe

Yes, they can, provided both of them have been SPR for more than 3 years. I have personally handled such a transaction a few months ago.

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