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You will need to be minimally an essential occupier in this case. Should your mum remain as a SPR in future and you are looking to purchase another HDB, this property will have to be sold as your mum is ineligible to own a HDB as a single SPR.

You will be binded by the MOP of the HDB as an essential occupier too, thus you will only be able to purchase a private residential property after fulfilling the MOP. The good news is that you will not be subjected to any ABSD since you do not own any residential property.

Of course, this is based on existing regulations, which can be updated anytime by the authorities basing on the market sentiments. As you maybe aware, there were several rounds of measures introduced over the past couple of years and as a result, priced out many potential buyers from the market or these potential buyers may have to settle for something smaller or less pricey due to the introduction of measures.

I have been in the real estate business since 2009, with more than 14 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!

Warmest regards,
Geryl Lim
Associate Group Director
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
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Hi,

As your Mother is a single SPR, she will need to include you in her HDB purchase, either as a co-owner or an essential occupier. This means that you will need to serve the MOP before you can purchase another property. You will not incur ABSD when you purchase a private property in the future if you do not own the HDB flat.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More

Hi,

As she is a single SPR, she needs to add your name as essential occupier to be eligible to purchase resale HDB. This means both of you will need to serve a 5 year MOP period before you are eligible to purchase another residential property. When the 5 year MOP is fulfilled, you as the occupier can go ahead to buy your private property without ABSD, based on prevailing regulations.

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)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
ERA Top 11th Achiever in June 2020 (Top 1% Company Level)
ERA Top 91th Achiever in 2nd Quarter 2020 (Top 2% Company Level)
ERA Top 15th Achiever in April 2019 (Top 1% Company Level)
ERA Top 86th Achiever in Sept 2019 (Top 2% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

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My Answer with regards to your Question:

Single PRs cannot buy a new HDB flat or a resale flat alone. Under HDB rules, a PR may qualify to buy an HDB flat under two schemes: the HDB Public Scheme, which is buying with a family unit (i.e. spouse, children, siblings, parents), or the Fiancé/Fiancée Scheme, which is well, your fiancé or fiancée.

in the HDB resale, you would indeed be considered an essential occupier. In such a case, you would be bound by the Minimum Occupation Period (MOP) of the HDB resale property, even if you are a Singapore Citizen (SC).

After fulfilling the MOP, you can purchase a private residential property under your name without incurring Additional Buyer's Stamp Duty (ABSD), provided you do not own any other residential property at the time of purchase.

PM me for your requirements , i can assist you gladly :)

I am Sorry that This platform does not allow me to direct contact you.

You can reach me at https://wa.me/6598569255.

I am Happy to Help with No obligations! If you have any more questions or need assistance, FEEL GOOD to let me know. I am here for You! Cheers :)

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The property market has been buzzing with strong new-launch take-up this quarter — signaling renewed confidence and appetite for growth-oriented investments.

If you’ve been exploring what’s next beyond traditional residential plays, don’t miss this special Consumer Seminar: “The Co-Living Investment Story” — where Eugene Lim, CEO & Founder of The Assembly Place, shares how this asset class has evolved, what drives its returns, and why savvy investors are adding co-living projects into their portfolios.

Date: 13 Nov 2025 (Thu)
Time: 7 pm
Venue: ELTA Sales Gallery (Along Prince Charles Crescent)

Seats are limited — RSVP early to secure your spot and gain exclusive insights straight from an industry leader!

To reserve your seat, contact Geryl Lim @ 9278 7772  .

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