4 Answers

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

1. If you were to buy a resale HDB flat with your wife, then you must dispose of the existing HDB flats as you are now allowed to own 2 HDB flats concurrently.

2. If you were to buy a private condominium, then you both can keep the 2 existing HDB flats. However, you will have to pay a Buyer's Stamp Duty of up to 3% and an Additional Buyer's Stamp Duty of 12% since this is your second property. You may refer to IRAS's link here: https://www.iras.gov.sg/irashome/Other-Taxes/Stamp-Duty-for-Property/Working-out-your-Stamp-Duty/Buying-or-Acquiring-Property/What-is-the-Duty-that-I-Need-to-Pay-as-a-Buyer-or-Transferee-of-Residential-Property/Additional-Buyer-s-Stamp-Duty--ABSD-/

Hope this answers your question.

Best Regards,
Team PropertyGuru Read More


Tricia Tan 陈丽子
Hi Owner.
Help me to understand. Are both of you married? Because a couple can only own one hdb at a time.
You may reach me at 91442664 for further discussion
Tricia tan Read More


Robbie Chen Chee Howe
Hi there,

If you're looking to buy a HDB flat with your wife, you would need to sell off your respectively 5RM and 3RM HDB flats as each person can only hold onto one HDB flat.

However, there are ways which I may be able to help you get around this situation. I need you to provide me with more information before I can advise on this further.

And if you're looking to buy a private property, you do not need to sell off either HDB flats. You just have to pay ABSD as it will be your 2nd property purchase. You also need to take note of LTV and TDSR should you decide to go for a private property.

Feel free to call me at 97486305 should you need any assistance.

Best regards,
Robbie Chen
PropNex Realty Read More


YT Tan (陈永达)
Good morning!

As most of my fellow colleagues have mentioned if you decide to purchase another HDB under both of your and wife's names, you will have to sell off both of your current HDBs.

If one of you is a SC, you can keep both HDBs and purchase the private property. As of now, there is no information about any upcoming project in Punggol. Do get in touch with me so if there's any news, I will update you.

Hope to hear from you soon!

Warmest Regards,
YT TAN 陈永达 | ACCA Graduate, RES
Senior District Manager
ECG Property Pte Ltd
(A Wholly Owned Subsidiary of ECG Group of Companies)
Estate Agent no. L3009759F
Blk 190 Lorong 6 Toa Payoh #05-508 S (310190)

(M): +65 9111 5171
(E): yt.lovelyhomes@gmail.com
(W): www.yttan.com
(W): yttan.stproperty.com.sg/
(W) www.lovelyhomes.com.sg
(W) www.ecgproperty.com Read More