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Yes, based on existing policy, this is possible if both of you are married. Do take note that in such cases, you will be unable to utilise your CPF monies for the HDB since you are not a registered owner.

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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.

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Good day to you,

If your spouse is SC and is financially prudent to undertake the mortgage, he can include you as the essential occupier. And after the MOP, you can purchase private property under sole ownership, to avoid ABSD.

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Mike Lim
 96929209 
R026708F
m52i@yahoo.com
ERA 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, yes it is possible.

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

1. **Marriage Requirement**: If you and your spouse are married, this arrangement is possible, but you won’t be able to use your CPF funds for the HDB purchase since you're not listed as an owner.

2. **Spouse's Role**: If your spouse is a Singapore Citizen and financially capable of handling the mortgage, they can list you as the essential occupier.

3. **Future Purchase**: After fulfilling the Minimum Occupation Period (MOP), you can buy a private property solely in your name to avoid paying the Additional Buyer’s Stamp Duty (ABSD).

_"The future belongs to those who believe in the beauty of their dreams."_ – Eleanor Roosevelt
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Hi

I assume he is SC as well and both of you are already married. Yes your approach is possible and there are more couples going for this as well, so to be able to own a 2nd private property once MOP is fulfilled. This is the main pro going for it.

As for cons, for this hdb purchase, only the owner's income can be recognized for loan, and only his CPF OA can be used. The occupier legally does not own the HDB as well, and one party may feel uncomfortable in the relationship. Also, there is also regulatory risk, in the sense that the owner-occupier method may be disallowed potentially next time. Although this is debatable as it is not straightforward to implement as well.

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
ERA Senior Marketing Director
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Buyer

Mr & Mrs Wang
We want to convey our thanks to Ivan, who helped us find our first home. Ivan was very responsive when we first met, and took time to understand our needs and requirements for our first home. He helped us narrow down our criteria and gave us good advice on how to structure our mortgage as well. He also made a great recommendation of an area we never thought of, and it was where we eventually bought our home. We appreciate Ivan's thoroughness in pros and cons of all our options that we viewed. We never felt pressured or rushed to make a decision. In fact, Ivan gave honest and useful inputs on the considerations of acting immediately or waiting. All in all, it was a very smooth experience and we ate very happy with the unit we bought. Thank you very much, Ivan! Read More

Hi,

This is a common arrangement. You and your spouse can purchase an HDB unit with him as the owner and you as the occupier. However, please note that in this setup:

Only his income will be considered for the loan assessment.
Only his CPF funds can be used for the purchase.
After fulfilling the 5-year Minimum Occupation Period (MOP), you can purchase a private property under your name without incurring ABSD. However, keep in mind that only your income and CPF funds will be available for the purchase

Hope this helps,

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

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

Hi Do contact me at 97970200  to understand more and discuss

Mark, your RIGHT choice
Propnex Read More

Hi, yes it is possible if both of you are SC. The pros will be based on the current policies :

When you purchase your private property, there will not be any ABSD, but your income will not be able to be used for the HDB loan, as well as your CPF will not be used.

Hi, hopefully you managed to get your doubt or query answered. If so, then congrats! Hopefully you are doing well now.

If you are currently or planning to find a property agent, I can assist.

If you are interested in prices of houses in your neighbourhood, you may visit this website to find out more or contact me.

https://www.era.com.sg/R064892F

If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.

Landon Chew
97 39 60 40
landonchew@email.com Read More