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Hi Sasya,

I am sorry to hear about the situation you are in. It is unfortunately that your husband will not be eligible to purchase a HDB on his own, since both of you are married, therefore you must minimally be an essential occupier for the flat that your husband purchase if not a co-owner, and that means you must relinquish your ownership in the current flat with your sister. Since you sister is unwilling to sell the current place, will she be able to take on sole ownership of the property? Meaning you can sell your share to your sister so she can retain this flat while you are free to purchase another HDB with your husband.

I have been in the real estate business since 2009, with more than 13 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 9,400 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

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Warmest regards,
Geryl Lim
Associate 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 
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Hi Sasya,

1) The main problem you are facing is your ownership of the current flat.
2) Since most of us utilized CPF to finance our property purchase, the minimum would be to return the funds utilized plus accrued interest in order to remove our ownership of the existing property.
3) You have to identify the main reason your sister refused to sell the current flat. Was it because she is not eligible to buy her own or she faced difficulties continuing to finance the flat without you?
4) If it is due to eligibility reasons, then you will have to wait till she reached 35 yrs old in order to be eligible.
5) If it is due to financial reasons, you have to discuss with her how this could be solved, such as you sell below value but enough to cover your funds utilized in your CPF.
6) There is no way to force remove your ownership without selling it out unless you have only used cash for this purchase and financed the mortgage. You may gift your share to her.
7) However do note that even by mode of transferring as a gift, she will still be subject to the gift stamp duty.

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

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 Sasya,

Sorry to hear about the situation, I hope you are managing well. Unfortunately your husband cannot purchase a HDB under his sole name. Essentially the crux is to understand and address why your sister is not willing to sell the property, it could be due to financial reason as she cannot finance her flat on her own name and income or personal reasons. Would it be possible for your sister to move back in with your parents?

Hope the above clarifies. May I have more info and requirements about your plans so as 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

SEAA Salesperson Achievement Award 2021 (Gold)
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ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
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SMU BBM (Finance), Magna Cum Laude
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-- HDB Choa Chu Kang BTO 4-RM Sellers, 5-RM Purchasers, Zima & Faizal --

Ivan was prompt in replying to my endless queries & concerns. He was very attentive to details and he knows my exact 'taste' during the process of house hunting. I would say that my requirement in getting a flat is quite high because i was looking for a flat located near my parent's as well as the MRT station. It impressed me that he could read my mind well which makes the whole transaction alot easier. I also love the fact that he is calm, not pushy & always ensuring me that there are still sufficient time to look out for other available houses. We are so thankful beyond words for his understanding and patience thoroughout the whole process. We managed to sell our BTO with extension & secure a 5 room flat without COV, located near my parent's and a 3 to 5 mins walk to the MRT station. Read More