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Hi, as long as you are married, both of you fall under the same family nucleus when applying to purchase a HDB. This means that both of your names are needed to be under the HDB before you can purchase. In order for you to purchase a HDB, you will have to dispose of the private property and observe a wait out period of 15months.

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Hi

Your wife can't purchase hdb on her own name, your name needs to be included, which means the private property has to be sold. I think this is not what you have in mind.

She only can buy private property on her sole name. If she has zero property count at the moment, no ABSD applicable if she is Singaporean. If joint name purchase, the ABSD will be based on the higher ABSD profile of the two, which means 20% since you already own one property.

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 :)

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Dear Sir

As both of you are married couple and fall under family nucleus, so your wife is unable to buy a HDB if you own a HDB. However, if u have plan to dispose yr condo and she buy under her name, that will be fine. But please note you would need to wait for 5 years before buying private.

Otherwise, a simpler solution would be for her to buy a private under her name and no ABSD if she doesn’t hold any other private condo.

Of course, we can check out other possibilities too.

I will be happy to assist you if you require help in finding your next home. Do contact me at 94365945  .

Should you require assistance in buying, selling, renting or investing of properties in Singapore, you can contact me for a non obligatory discussion. I am an active & experienced agent and have assisted many happy sellers in their sales of houses for the past 12 years with GOOD track record. Happy to help.

Join me on my tiktok: www.tiktok.com/@simplyhappyhomes and get free property tips, information, home tours and listings on my tiktok: www.tiktok.com/@simplyhappyhomes

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“It has been our pleasure working with you for the disposal of our flat. You have put in the effort more than what you should have in helping us manage the buyers especially the Tan family.
We did also see the assistance you've provided to the Tan family where they were not represented by any agents and we've been impressed by your professionalism & not to mention the time you've taken to travel, at the buyers request, etc, etc.
We appreciate your efforts and wishing you both prosperity as we usher into the year of the Snake.
Thank you” Ms Karen

Dear Sir

As both of you are married couple and fall under family nucleus, so your wife is unable to buy a HDB if you own a HDB. However, if u have plan to dispose yr condo and she buy under her name, that will be fine. But please note you would need to wait for 5 years before buying private.

Otherwise, a simpler solution would be for her to buy a private under her name and no ABSD if she doesn’t hold any other private condo. If you decide to buy a private under joint names, there will be ABSD and will be basis of the higher ABSD, that is 20% if you are Singaporean buying second property. You can check on IRAS website for reference too: https://www.iras.gov.sg/taxes/stamp-duty/for-property/buying-or-acquiring-property/additional-buyer's-stamp-duty-(absd)

Of course, we can check out other possibilities too.

I will be happy to assist you if you require help in finding your next home. Do contact me at 94365945  .

Should you require assistance in buying, selling, renting or investing of properties in Singapore, you can contact me for a non obligatory discussion. I am an active & experienced agent and have assisted many happy sellers in their sales of houses for the past 12 years with GOOD track record. Happy to help.

Join me on my tiktok: www.tiktok.com/@simplyhappyhomes and get free property tips, information, home tours and listings on my tiktok: www.tiktok.com/@simplyhappyhomes

Ong Joey (CES, BBM[SMU])
Senior Marketing Director, ERA Realty Network Pte Ltd
CEA Reg. No: R011492A
Email: joeyongprope Read More

She cannot purchase a HDB if you still retain your condo. You will need to sell your condo, wait out for 15 months before purchasing a resale HDB, assuming that both of you are younger than 55 years old. Otherwise, you will still need to sell your existing condo and can purchase a resale HDB that is 4room or smaller. No ABSD will be incurred.

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.

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Hi,

1) Those who own both HDB flat and condo bought their HDB first, completed their MOP before buying the private condo.
2) There is only one sequence of owning the HDB flat and condo and not the other way around.
3) Your wife cannot buy an HDB alone without your name since you are still in married status.
4) The HDB required a married couple to buy an HDB flat together.

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

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.
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Hi Do contact me at 97970200  to understand more and discuss.

Mark, your RIGHT choice
Propnex Read More

Hi, appreciate your sharing. Sorry once married consider as one entity, HDB require you to dispose off private property first before getting HDB.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

Hi Sir,

HDB regards a married couple as a single entity and therefore she will not be able to purchase a HDB flat without your name either as an owner or an essential occupier. Under the current rules and regulations, for both of you to purchase a HDB flat, you will need to sell off your private property and wait out a 15 months period before you are able to buy. An exception will be if both you and wife are above the age of 55 years old.

Please feel free to contact me so that I can explain to you all these rules and regulations so that you can have a better idea.

Regards,
Nick Tan
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I write to commend Nick Tan (R040814C). When my husband and I first met Nick, we were impressed by his drive, commitment, business acumen and strategical thinking, and decided to engage him. We were not disappointed. Nick sourced for prospective quality buyers in a targeted methodical fashion and was effective in connecting us with serious buyers, notwithstanding the fact that the search primarily took place over Dec – Feb (a traditional lull period). Throughout the transaction, he also gave us helpful advice in various aspects; the advice reflected his personal experience and expertise and was not simply regurgitated from public sources without any value-add. Further, Nick went beyond the call of duty of a competent professional. He had a sense of humanity in the way he interacted with myself and the other parties to the transaction such as my parents. As an example, my newborn daughter was warded into A&E on the completion date of the transaction; the care and concern that Nick showed went beyond the scope of work of an estate agent. I commend Nick for his capabilities and character, and would certainly wish to engage him for future property transactions.
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To buy an HDB flat, both you and your spouse need to be listed on the application, even if one of you doesn't plan to use their money. This is because HDB considers married couples as one unit.
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