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Good morning,

Is your hubby a SC or SPR?

You can upgrade to a bigger HDB with your hubby. Just wondering why are you thinking of adding her as one of the owners?

Hope my sharing helps in aiding in your enquiry. May I know how can I value add further in your property needs?

Best regards,

YT Tan
Property Kaki
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Hi,

It is possible to co-own the HDB together as 3 owners for the next HDB, but actually your mum's name need not be necessary as your spouse and your name is sufficient to form the family nucleus and to take the loan (if any)

I have helped various clients to upgrade and will be happy to share the best approach. 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
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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.

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Hi Mdm,

Yes, it is possible for you to sell your current flat and purchase a bigger flat together with your Mother and Husband.

In fact, you may qualify for the extra $30k Proximity Housing Grant if your Husband is also a Singapore Citizen/SPR.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

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

Hi,

1) Not sure what was the special reason you want to add your mother's name in your purchase.
2) Otherwise, to minimize trouble in the future. My suggestion is to use only yours and your hubby's name as the owner rather than add your mother in.
3) Even if your hubby is a foreigner, you are still able to buy under the Non-Citizen Spouse Scheme and able to buy any flat type in resale.
4) You could list your mother as an occupier so that in the future when your mother prefers to stay by herself, she can opt to buy a 2-rm Flexi lease BTO.
5) There is no reason you can't add in your mother's name even if she has no contribution to financing the flat.
6) Putting in as owner doesn't mean that the person must have financed the purchase. Only that she will be bound by the MOP and unable to apply the 2-rm BTO during this 5 yrs period.

Hope the above answer 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
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

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Hi
From your question, I would assume that you plan to sell your current flat you co own with your mom and want to upgrade to a bigger flat but at the same time wants to include your mom as a co-owner of the new flat along with your husband. This is totally possible despite your mom age. I am assuming the complication might arise if you plan to take a HDB loan. As HDB requires all the owners to be named as one of the applicant for HDB loan, the problem does not arise with your mother's age but her status. HDB does not allow any one of the owner to take more than 2 HDB loans previously to apply for another HDB loan. If your mother has ever taken a HDB loan for her previous houses before settling in your current house, she will no longer be eligible for another HDB loan which will affect you and husband eligibility to apply for a HDB loan too. In order to advise further, I will need more information on your circumstances and will try my best to advise on the best solution moving forward. I am specialised in HDB transactions. Do contact me at 93375051  for a free and non obligatory discussion on this.

Regards
Taufik Hussein
CEA Reg No: R061607B
Contact No: 93375051  Read More