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Each eligible family unit can only own 1 HDB flat. As a married couple is considered as a family unit, both husband and wife can therefore own only 1 HDB flat at any one time, and will need to be listed as a co-owner or occupier in the same flat.

All owners and occupiers listed in the flat may invest in private residential property AFTER the minimum occupation period. However, you must continue living in the flat after the purchase of the private residential property unless you have obtained HDB’s prior approval to rent it out.

As you pointed out, there are implications on policy, tax and financing you need to take note of, which could make or break your property investment plans and journey.

Sounds like you are exploring your options for decoupling and asset progression. I will be happy to walk you through all the policy considerations, tax considerations, market trends, property analysis, opportunity spotting, financial calculations, price projections and more.

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Hi

Once married, hdb sees you as an married entity and since the lady's hdb is within MOP period, the guy is supposed to be added to the hdb as an essential occupier, which means he has to fulfil the MOP requirements as well. Are you guys able to defer the marriage proceedings?

Ivan
 97432395  Read More

Good day to you,

After getting married, both of you are considered as an entity, hence your spouse will need to adhere to HDB requirements too. He will be eligible to purchase the private condo when you fulfills the MOP for your HDB unit.

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Yes, MOP is applicable to the partner once married.

——

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Hi, appreciate your sharing. Able to write in and check base on the current situation.
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Stewart-PropNex (Senior Associate Division Director) Read More

Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, yes you are right and your spouse to be will have to wait till you hit the MOP first.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Hi Mdm,

Within the Minimum Occupation Period of 5 years, from HDB's perspective, the husband and wife will need to stay together and therefore, your partner may not be able to purchase a private property. Once the MOP is met, he will not have any restrictions in purchasing one and will not be subjected to any ABSD.

Please feel free to contact me if you need any further clarifications.

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1. Under HDB rules, **each eligible family unit**—which includes a married couple—**can own only one HDB flat** at any given time. Both spouses must be **co-owners or listed as occupier and owner** of the same flat.

2. After fulfilling the **Minimum Occupation Period (MOP)**, **all listed owners and occupiers** are allowed to invest in private residential property. However, they must **continue residing in the HDB flat** unless HDB grants **permission to rent it out**.

3. Once married, HDB treats both parties as a **single family unit**. If the wife already owns a flat still within MOP, the husband—when added as an **essential occupier**—must also fulfill the **remaining MOP period** before either party can acquire private residential property.

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The 5-year Minimum Occupation Period (MOP) generally applies to the owner of the HDB flat before they can sell it or purchase another property. If the 35F owns the flat solely, the MOP applies to her, not her spouse.

For the 35M buying a condo, the MOP on the wife’s HDB doesn’t restrict him personally, but keep in mind that owning multiple properties can affect eligibility for grants, taxes, or loans.

These rules can get complicated depending on your exact situation, so it’s best to check with HDB or a property professional.

If you want to discuss your case in detail, feel free to reach out anytime.
– Aren Goh | +65 9657 6701  (PropNex) Read More

Hi,

1) A spouse will be automatically became the core occupier in an HDB flat.
2) The core occupier will have to observe a fresh 5 years MOP from the date listed as an occupier.
3) This means that he is not allowed to buy a condo until 5 yrs later.
4) If he had already bought the condo, it is best to write to the HDB to have an exemption before marry.

All The Best!!!

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.
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