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I am currently single, above 35 years old. I plan to purchase a flat and bring my mom along who will be my occupier. She currently owns a place of her own. Can I apply for a 3-room or 4-room BTO flat?
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7 Answers

Hi,

You can apply BTO for 3/4/5 room type if you add her as an essential occupier and all other eligibility conditions such as income note exceeding $14k per month, and 1 singaporean applicant, no private properties are fulfilled. Do note she has to sell off her property upon the TOP of your new BTO .

It may be better for your to purchase resale HDB on your sole name, and rent out your mum's property for rental income instead. I am contactable at 97432395  for further discussion.

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
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We were fortunate to have met Ivan Ng. He was thorough in going through what the complicated home-selling process required of us and more so in understanding what we would like to achieve from the sale of our unit. His responsiveness and assurance, was a trait that we really appreciate. We managed to secure a sale that exceeded our expectation with Ivan’s advises. The offered price for our unit was a record set for the flats in the neighborhood. This was definitely supported by the fact that Ivan’s listing of our unit was detailed and stood out from other listings. Because of this, we also engaged Ivan's service to help us search and buy our new resale home. After some searches and viewings, we managed to secure one at a reasonable price with his help. With Ivan’s cheery and positive demeanour, selling our unit to procuring a new one, was a smooth journey for us. It was a pleasure to have worked with him.

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Does your mum intend to sell her current place? If yes, then your choice of BTO will be limited to 2 room flat as she will be ineligible to be your occupier. You can opt for resale units in this instance as you can go for bigger units, have her stay over your place and rent out her current place.

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
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1
Hi,

1) To be eligible for a 3-room or 4-room BTO, you have to satisfy the following:
a) There is at least 1 SC in the application. You are applying under the Public Scheme.
b) Your mom cannot own a private residential property.
c) Your mom has to be the essential occupier or the owner of the flat.
d) She must be an SC or SPR. The Non-citizen family scheme does not apply to the BTO application.
e) The Household average income cannot exceed $14k.

2) I would suggest you apply for an HFE to understand whether there is any eligibility issue:
https://www.hdb.gov.sg/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/application-for-an-hdb-flat-eligibility-hfe-letter

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.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer Read More
1
Robbie Chen Chee Howe
Hi,

If your Mother has not utilised 2 times subsidised housing, you will be eligible to apply a BTO 3/4/5 RM flat with her under Public Scheme. This will mean that she needs to fulfill her MOP of her current flat before you can apply for the BTO, and also sell off the flat latest within 6 months of you getting the keys to your BTO 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
1
APPLY HFE TO GAUGE IST :)
https://www.hdb.gov.sg/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/application-for-an-hdb-flat-eligibility-hfe-letter

·

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

· To further assist you, please feel free to contact me via WhatsApp at 9856 9255  or through this link: https://wa.me/6598569255.

· My services come with no obligations, and I'm here to help with any questions or assistance you need. · You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

· For buyers, I offer solutions for sourcing resale and new private homes at no charge.

· I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

· I also have partners to assist with mortgage home insurance matters.

· Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份) :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

·

· You can reach me at my Singapore mobile: +65 9856 9255  or email me at Able.selling@gmail.com.

· From: ABLE Toh- Your Property ASSISTANT :)

· “ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

XXXXX The END XXXXXXX Read More
1
APPLY HFE TO GAUGE IST :)
https://www.hdb.gov.sg/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/application-for-an-hdb-flat-eligibility-hfe-letter

·

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

· To further assist you, please feel free to contact me via WhatsApp at 9856 9255  or through this link: https://wa.me/6598569255.

· My services come with no obligations, and I'm here to help with any questions or assistance you need. · You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

· For buyers, I offer solutions for sourcing resale and new private homes at no charge.

· I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

· I also have partners to assist with mortgage home insurance matters.

· Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份) :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

·

· You can reach me at my Singapore mobile: +65 9856 9255  or email me at Able.selling@gmail.com.

· From: ABLE Toh- Your Property ASSISTANT :)

· “ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

XXXXX The END XXXXXXX Read More
1
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