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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, you could only proceed to purchase a HDB flat after the wait out period of 15 months and so meanwhile you could appeal and at the same time rent a room or a flat right after selling the EC.

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

Hi,

1) To go a separate way should be the last option.
2) As for your property question, you now own private property (EC is also considered private property). You will have to observe a 15-month wait-out period before being eligible to buy a resale HDB flat.
3) And to be eligible to buy BTO/SBF, you will have to observe a wait-out period of 30-mth.
4) So the next steps you have are either to fork out more funds to buy a private condo or to rent a place to pass this 15-month period.
5) You will have to apply for an HFE if you still want to buy an HDB flat, which takes 3 weeks to process after the 15 months before being eligible to place a deposit for an OTP.
6) Whereas for the legal separation process, it is best to consult a family lawyer.
7) I only know that uncontested cases will need at least 3 yrs of separation. And a contested case needs at least 4 yrs of separation before you can submit your divorce application.
8) The whole legal divorce process will take 6~9 months to complete before you could get the final court order.
9) So all-in-all, it will be another 3 yrs + 9 mths + 3 weeks ~ 3 yrs 10 mths before each of you could opt for an OTP. This is if you sell your property during the separation period.
10) Anytime during this separation period, you will still be deemed as a married couple, so not allowed to buy HDB separately.

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 queries, 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

Note:
Any response to our answer does not reach us.
The best way to get a follow-up is to Whatsapp or email us directly. Read More

Hi Sir/Mdm,

Sorry to hear about the situation, I hope you are managing well. Firstly may I know if the MOP of 5 years of the EC has been met? If not, you will have to appeal to sell within MOP period with official documents from the courts that you will be filing for divorce.

I presume you guys are below 55 years old. The next tricky thing will be the 15 month wait out period both of you have to observe after the sale, before you guys will be eligible to purchase resale HDB. We may be able to appeal to have this period waived since it is a divorce case, but it may not be guaranteed. Supposed it is not possible, then you have to plan for a 15 month rental or interim stay period with your parents or other loved ones.

Once the 15 month wait out period is over, you have to be 35 years old (single or divorcee) to be eligible to purchase resale HDB under your sole name. You can also add in your child (if any) as an essential occupier to be eligible. You can add in your parents name as occupier as well but this means they have to sell their flat.

There is no need to wait out 15 months, if you purchase a private property right after this EC sale. This is the more straightforward option.

I am contactable at 97432395  for further discussion, look forward to hear from you.

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

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I would like to express my appreciation to Ivan Ng for his excellent work. Ivan is a dedicated, client-focused, patient and sincere agent. Throughout the whole process of selling and looking for our next property, he has always acted very professionally that makes my wife and I feel at ease and assured. Ivan is not a pushy and hard sales agent. Ivan listens and understands our needs and carefully guided us through. We are fortunate to have Ivan as our agent. Thank you Ivan.

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Dear sir/mdm,

After the sale of your current EC, which I assume have already met its 5 years minimum occupation period, you are not allowed to purchase a resale HDB or BTO immediately. There is a window period of at least 15 months to wait before you are eligible to purchase a HDB, provided you still meet all eligibility criteria. Unless you are aged 55 years old or above, then you are able to purchase a resale 4 room flat or smaller unit immediately after the sale of the EC, if you meet other relevant criteria, mainly basing on the scheme or family nucleus. The description you have provided is quite vague for us to really advise and provide input as there are still missing information.

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.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

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Geryl Lim
Associate Group Director
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Hi, appreciate your sharing. Best to write into HDB to check out whether can you proceed to purchase HDB if you are not age 35 due to current situation. Next, proceed to do a loan check on your next plan before you decide.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

Hi Sivakumar,

Sorry to hear the situation that you are going through, and hope things get better for your end. As for your situation specifically, assuming that the EC has hit 5 years MOP, you can proceed to sell the EC.

Once you’ve sold the EC, and since both you and your spouse are both aged 55yrs and up, you can proceed to buy a resale HDB unit individually without serving the 15 months wait out period. But it has to be 4rm or smaller.

Buying a 3rm or 4rm resale hdb under 1 person + 1 essential occupier (within same family nucleus) is possible. Of course, the essential occupier cannot have any other property under his/her name. There are also other eligibility criterias to check (E.g., income ceiling for hdb loan, etc) but this can be discussed for later.

As for the other spouse to buy the separate unit under single scheme, it is also possible since min age requirement of 35yrs is of no issue now. But of course, yet again, there are other criterias to check.

But most important criteria to check before being able to buy a resale HDB unit individually is your marital status at the point of HFE application (I.e., Need HFE to buy resale HDB, regardless if taking bank loan or HDB loan).
It has to be of divorced status to be eligible to buy individually.
Thus, if marriage is more than 3 years, then we would need the Final Judgment / Divorce Certificate document. If uncontested divorce, then it would take 6-9 months to get the Final Judgement / Divorce Certificate.

In terms of the sale of the EC, best to have the court order document to state the division of matrimonial assets so that the sales proceeds division between you and your spouse is written black-and-white.

Best option moving forward would be to decide if you and your spouse decide to get official divorce proceedings to start. This is required to get your Final Judgement / Divorce Certificate document, which is required for your HFE, which is required for your resale HDB purchase individually.
If marriage is more than 3 years, which I’m guessing it’s the case for you, then a deed of separation isn’t sufficient for you to provide to HDB to buy resale HDB units individually.

Because if deed of separation is done, and you proceed to sell the EC, and have the sales proceeds apportioned according to what you and your spouse agree in the deed of separation, there would still be an issue of buying the resale HDB units individually because there isn’t a divorce certificate to provide to HDB.

I have experience dealing with divorce cases in terms of property selling and buying, so please do WhatsApp me via my contact number below. We can discuss further about your next best step in your whole sell & buy timeline.

Thank you, hope to be able to help you out.
Best Regards,
Harith Nash
Mobile: (65) 9825 5719 

Nash Brothers (Haikal Nash & Harith Nash)
Vevien Ong Division | PropNex Realty Pte Ltd
Hi Sivakumar,

Sorry to hear the situation that you are going through, and hope things get better for your end. As for your situation specifically, assuming that the EC has hit 5 years MOP, you can proceed to sell the EC.

Once you’ve sold the EC, and since both you and your spouse are both aged 55yrs and up, you can proceed to buy a resale HDB unit individually without serving the 15 months wait out period. But it has to be 4rm or smaller.

Buying a 3rm or 4rm resale hdb under 1 person + 1 essential occupier (within same family nucleus) is possible. Of course, the essential occupier cannot have any other property under his/her name. There are also other eligibility criterias to check (E.g., income ceiling for hdb loan, etc) but this can be discussed for later.

As for the other spouse to buy the separate unit under single scheme, it is also possible since min age requirement of 35yrs is of no issue now. But of course, yet again, there are other criterias to check.

But most important criteria to check before being able to buy a r Read More

Hi Mr Sivakumar,

First of all, you would be able to sell your current EC if your 5 years MOP is met.
Secondly, since both of you are above 55, there is no 15 months waiting time but take note you can only buy 4R resale HDB or smaller.
It is possible for u to buy as 1 core owner + 1 essential occupier (with the same family nucleus), however, we also have to make sure some other criterias are met.

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 with more details I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

Testimonial from Satisfied Clients
-- My husband and I wish to commend the sincere attitude and good customer service rendered by your staff Jenny, who handled the sale of our 5R HDB flat early this year. We have met several agents but none as genuine as Jenny. Being a seller agent, she took our interest at heart in handling the sale, unlike other agents who are self-interest. Jenny is punctual and prompt in the whole dealings and we were convinced that such an agent is hard for find nowadays. Jenny is a trustworthy, honest, sincere and hardworking agent. We are happy with her service and would gladly recommend her to our friends in future. Jenny is an asset to Propnex and the organisation should value her. Thank you Jenny for her efforts--
Mr and Mrs Soo (HDB seller)

--Jenny is very committed and responsive to her clients and she has spent hours updating them and looking out for great deals and even tailor-made property proposal geared towards their needs. Will certainly refer her to others and will definitely approach her again in her future--
Nick and Kim (New launch buyer)

--Jenny did a great job helping my wife and I sell our unit. She took active steps to walk our neighbourhood to understand what she was marketing. During the marketing period, she managed potential buyers and provided timely updates and recommendations so we could stay on top of the process. Overall, Jenny was professional and helped us to achieve a positive result which we are very thankful for--
Aaron ( HDB seller)

--Jenny was very passionate and went the extra miles to help. Thanks to her professional advice and recommendations, I had finally found my dream home--
Yvonne (New launch buyer)

--Appreciate Jenny's clear and prompt communication style with us and other stakeholders. She was also patient and client-centered throughout the process of finding a home that met our criteria. As a first-time home buyer, we appreciate how she went out of her way to explain the process and answer questions we had--
Samantha (Resale condo buyer) Read More

Hi,
I would be glad to assist you.
Feel free to contact me at 97100155  .
Hope to hear from you soon.
Pei
Associate Group Director
Propnex Realty Pte Ltd

https://linktr.ee/peiproperty
https://r011838b.propnex.net Read More

Hi Sivakumar

I'm sorry to hear that you and your spouse are experiencing difficulties in your relationship.

Selling:
1. Have you fulfill 5 years minimum occupation period (MOP)?

2. Steps in selling
- Appoint agent to market your unit, I will be glad to assist on this
- After that I will proceed to market your unit in online portals and propose to buyer on hand.

3. Pricing Strategy
Selling price will be depend on level, facing, condition of unit, etc
Appreciate if you can contact me at (65) 96608508  with details of your unit so I can advise accordingly

4. I will be glad to assist finding the right buyer

Timeline:
- Do you need the cash proceeds from your current house for the new house?
Will be glad to share the financial breakdown and timeline as well

Buying:
1. If you are planning to purchase a BTO unit or direct from HDB, you will need to sit out a 30 months period before you are eligible.
If you are over the age of 55 and are looking to buy a resale flat 4-room or smaller HDB flat, you can buy immediately provided you still meet all eligibility criteria

2. It is indeed possible for one person and one essential occupier from the same family nucleus to purchase a 3-room or 4-room resale HDB flat.
However, it is important to note that the essential occupier should not own any other property in their name.
There are also other eligibility criteria to consider

3. Regarding the option for the other spouse to purchase a separate unit under the single scheme, It is necessary to be in a divorced status in order to qualify for individual purchase.
https://www.hdb.gov.sg/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/flat-and-grant-eligibility

4. Do you intend to take loan for your purchase?
If yes, I will suggest to check your in principal approval of your loan from banker / apply for an HFE .
I can connect you with reputable banker for this, free of charge and no obligation.

I will be glad to assist, I am well versed in HDB and EC/ private property and has done many transactions
I hope the above clarifies, please feel free to contact me at (65) 96608508  so I can explain further
Appreciate if you can contact me at (65) 96608508  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