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HI

Buying a HDB flat, you must form a family nucleus. Both the owner and occupier must not own any private property locally or overseas.

However, you may buy a private property under single ownership.

You may text 9620 0827  for a casual chat.

Gavin Read More

Hi,

For HDB purchase, you will need to form a family nucleus (ie. Buy with your spouse name together) to be eligible. Hence for your scenario its not possible to buy on your sole name. You can however still purchase private property on your sole name no issue, and it may be a better choice for investment.

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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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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Dear sir,

I am afraid that the scenario will not be applicable as what my fellow professionals have indicated, under the Public Scheme, your wife will still be required to be the essential occupier for the resale HDB, thus she will be required to give up ownership to any private residential property too.

If you are planning to enhance your real estate portfolio, it will be good to discuss more about your plans from mid to long term in order to strategise a more optimised plan for your family.

Warmest regards,
Geryl Lim
Associate Deputy Group Director
Salesperson Registration No. R014783H
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
[main] +65 6471 8888  [mob] +65 81577565  [LDA] +65 92787772 
www.geryllim.com
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Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Hi Sir,

If the next property that you are looking to buy is a HDB, then I am afraid it will not be possible if you still want to hold on to your EC. The reason is because when you buy a HDB flat, HDB will recognise you and your wife as one entity. So even if you are the owner, your wife will also need to be the essential occupier. For essential occupiers, they will need to fulfil the same 5 years Minimum Occupation Period (MOP) obligations together with the owner. Of course, 5 years later, the essential occupier will be able to purchase another private property without the need to pay Additional Buyer Stamp Duty (ABSD).

If you are ok, then maybe we can meet up for a discussion on this and we can see if we can churn out any suggestions or Property Wealth Plan for you. After we get to know more from you and your wife, we may be able to churn out some solutions for the both of you after looking at your figures. No worries on the meetup as there are no obligations at all. We can just take it as a chat.

We have done many cases of what we call Property Wealth Planning and we have helped many clients to increase their assets portfolio and we did it for ourselves too. After being in the industry for more than 10 years together with my wife and partner, I really have to say there is not better way to better increase our wealth than through real estate.

Over our tenure in the business, many clients have left testimonials for us and many also became friends. You can read about it in the links provided below. Hopefully you will be able to have a glimpse of how we conduct our business through the testimonials. We have also been featured by Council of Estate Agents (CEA) before for Good Client Service. We have always pride ourselves as realtors who places our clients' interests above our own. Just need to trouble you to copy the links to your browser to open the links as this platform does not support live links.

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 
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Hi,
Yes you may decoupling, but Unfortunately after you freed up, you can only purchase private property.

Please drop me an email or whatsapp for me to share more details with you.

CK Ang
 9046 3808 
res.ckang@gmail.com
OrangeTee Read More

Dear Sir,

Yes you are right. You may decouple the property after 5 years and free up your name. However, you may not be able to purchase a BTO or a resale HDB as you will need to include your wife as part of the purchase since you are a married couple considered under the same family nucleus.

However, the good news is that you will be able to get another private condo for investment or for own stay without the need of paying the Additional Buyer Stamp Duty.

Please feel free to contact me so that I can understand your objectives better and provide you with further assistance.

Regards,
Nick Tan
(M) +65 9644 4854 
B.Eng(Chemical)(Hons)(NUS)
Cert-in-REA
(E) nick96444854@gmail.com
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“Nick is a responsible, efficient and excellent salesperson. He has very good knowledge of the real estate market and I benefited a lot from his advice and sharing. He is extremely patient when guiding me through the buying process and I am happy to secure a dream house within my budget with his assistance. A highly recommended salesperson who made my house hunting journey a breeze.”
Ms Chia (Buyer)

“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.”
Susana (Buyer)

“Nick is very pro-active in helping us to resolve whatever questions and problems that we encountered. All the issues are settled even before us having to request or ask for a second time. He was very frank and transparent with all the details, limitations and advantages that we wouldn’t have known. I think this is the most important virtue to be successful in this line. I will surely recommend him to anyone who needs his service because I trust that they will be equally satisfied!!”
Mr and Mrs Chan (Sold and Bought a property through Nick)

“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.”
Mr & Mrs Wong (Property Seller)

“Nick has conducted himself ethically and professionally when handling the sales of our property. Thanks to his patience and perseverance, we managed to secure a sales price beyond our expectations.
We are very happy and satisfied with his services and will definitely recommend him to our friends and family in the future.”
Mr & Mrs Tan (Seller of Inter-Terrace House) Read More

Hi
Purchasing a HDB resale or BTO is not possible as your wife needs to be named as an occupier in the new HDB unit and HDB pocicy does not allow couples to hold to a HDB and private property at the same time. You may however consider purchasing a condo instead as it's more worth from an investment point of view. Trends since 2012 have shown that HDB flats do depreciate in value over time. Do contct me at 93375051  for a free and non obligatory discussions on this.
Regards
Taufik Hussein
ERA Realty Network Pte Ltd Read More

Hi Sir

I will be glad to assist
I won't be able to contact you first as I do not have your contact, appreciate if you can contact me at (65) 96608508  or Silviayang8@gmail.com with details of your unit
or click here https://bit.ly/WaSilvia to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang
Senior Marketing Director
ERA Realty Network Pte Ltd
Mobile: (65) 9660 8508 
Email: Silviayang8@gmail.com Read More

Hi, Yes you decouple, however you can purchase private property instead of HDB. Do contact me at 97970200  to discuss more on your options.

Mark, your RIGHT choice
Propnex Read More

Hi Sir,

Congratulations on meeting your MOP for your EC! This is surely a pot of gold!

Yes, you're right, you could "decouple" and take your name out of the EC. However, you're not eligible to apply for a BTO. You could go for a resale HDB though, but your wife will still need to sell off the EC latest within 6 months of your HDB purchase. She will not be allowed to keep the EC.

You could purchase a private residential property under your sole name without incurring ABSD, after you had "decoupled".

However, this may or may not be the most ideal plan for you and your family. I would like to understand more from you before I can give you a more appropriate recommendation.

I am experienced and well-versed in both HDB resale 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