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Hi

Unfortunately you cannot purchase the next resale hdb with just your wife sole name + kid, as you need to form the family nucleus required by hdb and both you and your spouse names have to be included. This means a fresh 5 year MOP again before you can purchase the private property.

Alternatively you can go for 2 individual private properties. Or 1 hdb (under owner occupier arrangement), wait out 5 year MOP, then purchase the private property under occupiers name so that this way you can own 1 hdb and 1 private individually (still feasible based on current regulations). Of course the final way is to just pay the 20% ABSD to buy the private property if you intend to keep the current hdb.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
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Mr & Mrs Wee : We would like to share our appreciation and commendation to Ivan for their professionalism and dedication in handling our property transaction. It was a great pleasure to work with him as he was patient throughout the entire process and explained to us and clarified any doubts we had without fail. He was also very prompt in responding to all the queries we had. While we were unsure if we were able to sell off the property in time, Ivan constantly reassured us that it was possible and offered his professional advice. In fact, he managed to secure an offer to sell the property above our expected price while concurrently negotiated the buying price for our next property. Having Ivan as our agent significantly made the entire process seamless and fuss-free. We will definitely recommend Ivan to our family and friends. Read More

As husband and wife, both names must be in the HDB unit, even if only 1 of you is the owner, the other party will need to be an essential occupier and therefore a fresh 5 years MOP will be applicable on the resale HDB.

In such event, I believe it will be more beneficial to look into purchasing a private residential immediately instead of losing out time on loan tenure with a fresh 5 years MOP for the resale HDB where possible.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market. Check out the EdgeProp featured article on myself recently at https://www.edgeprop.sg/property-news/geryl-lim-leading-landed-real-estate-heart-hustle-and-harmony

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 15,900 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.

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Hi Sir,

I have assisted my clients who have the same intention as yourself to structure their HDB purchase so that one of them can purchase a private property in the future after the MOP. She can purchase under her name as an owner and name you as an essential occupier, there is no need to wait till she is older than 35 years old.

Please feel free to contact me so that I can explain to you in greater details the considerations of proceeding with such a move.

Regards,
Nick Tan
(M) +65 96 44 48 54
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com

SEAA Salespersons Achievement Platinum Award 2020/2022/2023

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Testimonial from my Clients
Nick is THE absolute best agent, guide to navigating the property market in Singapore. From selling to buying, he manages to get the absolute highest when selling and negotiators to the absolute lowest when purchasing. (So double win for me!). In fact, I bought my new home at the absolute lowest transaction across all the transacting homes. Most agents would just give vanilla advice, he puts scrutiny into every potential choice we were making by advising potential gains, rental yields, back up plans. I think we went through a whole list of more than 20 + before narrowing down to a few high potential properties! Super responsive to our questions and handheld us through the process and even answered questions in the middle of the night. Would absolutely recommend working with Nick for anyone looking to buy, sell or just advice!
Kenneth (Seller and Buyer) Jan 2025

Nick was introduced to me by a friend who learned that my previous property agent wasn’t meeting my expectations. During our first phone call, Nick quickly grasped my concerns and provided a detailed financial plan the next day. Since switching to Nick, selling my house has been much more relaxed. His virtual tour and informative fact sheet eliminated the need for my family and me to be constantly present for viewings by unsuitable buyers.
Nick was invaluable in purchasing my next property. He sourced units within my budget and analysed price trends of condo projects I was interested in. With Nick’s assistance, the buying process was seamless, and he expertly coordinated the sale of my current unit with the purchase of the next. Kudos to Nick for his outstanding service and advice!
Eileen Chen (Seller) June 2024

During Nick’s presentation to us, he showed confidence and resourcefulness. He showed us his various methods of reaching out to potential buyers instead of just relying on Propertyguru. He also saw the potential of our home to sell at our projected price. Where other agents deem impossible to achieve, he did his analysis and deems it reasonable and achievable. Nick proves trustworthy. From time to time, Nick will update us on the progress and on any viewing. He will filter buyers who could not meet our asking price and provide update and advice on the offers. We are grateful that he helps us to negotiate for a good price for our home. In summary, Nick is dedicated, resourceful, trustworthy and willing to take challenges.
Sunny Ng (Seller) April 2024

Selling our house was a pretty stressful ordeal, as we have already committed to buying our new home and hence have a timeline to meet. Losing a substantial deposit and worse still, not getting our dream home caused many sleepless nights as we are nearing our deadline. I am very glad we have decided to switch to Nick and seek his help after the dismal performance of our first agent. Not only is Nick very patient in explaining things to us, time and time again he gives us reassurance to allay our worries. And he walked his talk.
With his help, we finally managed to sell our unit at a price within our expectations, before the deadline. Nick’s service is top notch – h Read More

Hi, appreciate your sharing. Upon purchasing another HDB you are require to await 5 years MOP before the occupant able to purchase the private condo. Able to meet up to share the current options in today market.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

It's great that you are beginning to think about asset progression! I've helped many clients in your life-stage to strategize smart property moves to achieve their dream home, lifestyle and retirement.

I'm a Harvard graduated real estate agent with a degree in economics and a decade of experience on Singapore public policy, and have supported clients on more than $1 billion in transactions.

Since you are in the exploratory phase, I would love to connect and share more about the Singapore property market, potential opportunities and potential pitfalls and work out a personalized strategy for your family based on your finances and goals.

My advisory is free and with no obligations to use me as your agent. Trust that this would set you up for success all the way to retirement, if you feel it would be helpful to spare an hour of your time with a Harvard expert before making important life decisions.

Do reach out via my contact below!

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Good day to you.

Married couples looking to purchase a resale HDB unit must meet the Minimum Occupancy Period (MOP) requirement, regardless of their designation as essential occupiers. Therefore, it's important to approach the process step by step: start by securing the HDB unit, meet the MOP, and only then consider moving on to a private property purchase. With proper financial planning, you can navigate these challenges and avoid Additional Buyer’s Stamp Duty (ABSD).

Navigating a property transaction can be complex, especially with major life events. As a seasoned property consultant with 15 years of experience, I provide informed guidance on complex property matters.

I assist my clients with -
Divorce: Providing guidance for property settlements and achieving a clear outcome.
Estate Planning: Simplifying the process of planning for the future or handling inherited property.
Complex Situations: Offering support for cases involving Power of Attorney, bankruptcy, and other challenges.

For informed guidance along your property journey, you can schedule a free consultation to discuss your specific needs via -
Mobile: 96929209 
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For more property insights, follow my short videos here: https://www.youtube.com/@SGHomeCompass Read More

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

Since both of you are under 35, your wife can’t buy a resale HDB alone with your toddler unless she qualifies under special schemes (like the Divorced/Widowed Parent with Child Scheme). For now, you’ll still need to buy as a couple under one of the family eligibility schemes.

If the goal is to hold both a resale HDB and a condo, the sequence matters — you must dispose of your existing HDB before buying private property, unless the private unit is bought after fulfilling MOP and the HDB is then sold within six months.

The smoother way is often:
1. Sell the current HDB first.
2. Buy the resale HDB under one name (once eligible).
3. The other spouse buys the condo separately under their name for investment. 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, unfortunately it can’t be done this way as the next HDB flat will have to include both of your name on it.

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

Hi,

1) When you intend to hold on to an HDB flat whether it is a BTO or resale. One of you must be the owner and the other to be an occupier (auto to be a core occupier under married status).
2) You have to buy an HDB first and observe the 5 yrs MOP before the occupier is allowed to buy a private residential property.
3) You must be the core occupier as long as you are under married status. And you are only allowed to buy any private residential property after meeting the 5 yrs MOP.
4) You are still at a young age at 40 to invest in private property.
5) There will be good property to invest even after 5 yrs.

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.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/

Note:
Any response to our answer does not reach us until we scroll through every query posted daily.
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hi,

In HDB’s eyes, a married couple is treated as one family unit. This means your wife cannot buy an HDB flat on her own with your child without including your name.

If your goal is to buy an HDB for own stay and a condo for investment after selling your current HDB, here’s how you can structure it:

Purchase the new HDB under both your names, but list your wife as the owner and yourself as the occupier.

Both of you will still need to fulfil the 5-year Minimum Occupation Period (MOP).

After the MOP, your name (as the occupier) can be freed up to buy a private property without incurring ABSD, since it will be considered your first property.

Note: Only your wife’s income and CPF can be used for the HDB purchase, while only your income and CPF can be used for the private property later.

If you wish to own both properties without waiting for the 5-year MOP, the alternative is for each of you to purchase a separate private property under individual names instead of buying another HDB. Read More

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 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

Do contact me at 97970200  to understand more and discuss.

Mark, your RIGHT choice
Propnex Read More

✔1 You cannot buy a resale HDB under only your wife’s name with your child, as HDB rules require a proper **family nucleus**—meaning **both spouses’ names** must be listed. This automatically triggers a **new 5-year MOP** before any private purchase can be made.

✔2 Another route is to own **two separate private properties**, one under each name. Or, hold **one HDB (owner-occupier setup)**, serve the **5-year MOP**, and later buy a **private property under the occupier’s name**—still allowed under current policy.

✔3 The last option is to **retain the existing HDB** and simply **pay the 20% ABSD** for the private purchase, though this involves higher upfront cost.

✔4 Given these scenarios, it may be **more strategic to consider a private purchase now**, instead of restarting a new MOP and shortening your available **loan tenure window**.

★ “The best way to predict the future is to create it.” – Peter Drucker ★
WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

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