AskGuru Q&A Community

Hi Mr. Leslie,

Firstly, you will have to fulfil your MOP of 5 years. For her to change from owner to occupier, you have to apply with HDB and approval is up to their discretion, depending on your reasons for doing so and on case-by-case basis. At the minimum, the family nucleus for the HDB must still be maintained. Thanks and may I understand some details further over email before advising further?

Warm regards,
Ivan ERA
 97432395 
Ivanng10@gmail.com Read More

Hi Leslie,

Just to add onto Ivan's answer to you, please note that if your mother's name is to be withdrawn as co-owner and be changed to essential occupier, you would have to refund the CPF portion (plus accured interest) that she used to pay for this current HDB flat.

Should you need more information on how to "avoid paying ABSD", please feel free to contact me for a in-depth discussion.

I can be reached at 97486305  .

Best regards,
Robbie Chen
PropNex Realty Read More

Hi Leslie,

Yes, indeed it is subjected to HDB approval. Should your mum be withdrawn as a co-owner, she will have to remain as an essential occupier. The whole process will take about 3 months and a small administrative fee is required.
As mentioned by Robbie, CPF + Accrued Interest used from your mum's account must be returned.
Another important point is whether there is still any outstanding loan for the HDB? If so, there are more things that you have to take note of.

Please feel free to contact me so that I can advise further based on your case.

Cheers,
Vera Wang
 8777 7907 
wangvera88@gmail.com
PropNex Realty Pte Ltd Read More

Hi Leslie, you may like to consider to change you name as the occupier instead. This will benefit you on the next purchase of property. I would able to share with more options separately.

I can be reachable at my mobile or email.

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