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Hi,

Yes you can include her as essential occupier, but she has to agree to it as well since technically she will not be legal owner of the hdb. You can purchase resale HDB 4-room size and below immediately. But for bigger unit you need to wait out 15 months first or appeal.

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
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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

Good morning Mr Rajaraman,

Yes you are eligible to purchase a resale flat up to 4RM flat as both of you are above 55 years old.

https://www.channelnewsasia.com/singapore/property-cooling-15-month-wait-private-homeowners-buy-resale-hdb-analysts-2975946

For ownership arrangement, you can be sole owner and your wife as essential occupier to form a family nucleus.

Hope my sharing aids in your property needs. Do contact me if you need any assistance.

Best regards,

YT Tan
Property Kaki
You dream. I create. We make it happen!

Association of Chartered Certified Accountants Graduate
Singapore Accredited Mortgage Planner

Contact:
Mobile: 9111 51 71 (wa.me/6591115171)
Email: yt.tan91115171@gmail.com

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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 you can and could purchase a 4 room flat or smaller anytime without having a wait out period of 15 months.

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

Hi Sir,

Yes you are allowed to buy under one owner and one essential occupier. Both will need to satisfy the 5 years Minimum Occupation Period rule.

You will only be allowed to buy 4 room or smaller flats immediately. Please feel free to contact me so that I can assist you further!

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
Visit my website to know me better: www.nicktan.com.sg
WhatsApp: https://wa.me/qr/X6VRPGSSIHN5D1
I was featured recently on Council for Estate Agencies (CEA) Newsletter:
http://bit.ly/CEAnews

I have written a guide on buying Residential Property:
http://bit.ly/buypropertyguide

Testimonial from Satisfied Clients
“We have the privilege to work with Nick on our recent house purchase and we are extremely grateful for all the help he rendered to make the purchase a seamless experience!

Nick is attentive to all the requirements we have for our purchase and in the short span of time, he was able to provide us with potential shortlisted units that meet our criteria. (A big lifesaver for family with young kids and limited availability!) When conducting a viewing, Nick is highly proactive as he can be seen taking notes, asking questions, checking the conditions (that we missed or never thought of) and etc.

Overall, Nick remains reactive and portrays professionalism in this entire process. We would definitely recommend him to our friends and family who are looking for their next home/move opportunity.”

Jeannie & Victor (Buyer)

“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.”
Susana (Buyer)

“Nick is very pro-active in helping us to resolve whatever questions and problems that we encountered. All the issues are settled even before us having to request or ask for a second time. He was very frank and transparent with all the details, limitations and advantages that we wouldn’t have known. I think this is the most important virtue to be successful in this line. I will surely recommend him to anyone who needs his service because I trust that they will be equally satisfied!!”
Mr and Mrs Chan (Sold and Bought a property through Nick)

“We are very grateful to Nick for his extensive marketing efforts. With his comprehensive marketing plan, he helped us to achieve a record selling price within 2 weeks of listing our property for sale! We highly recommend his service to anyone who is keen to sell their properties.”
Mr & Mrs Wong (Property Seller)

“Nick has conducted himself ethically and professionally when handling the sales of our property. Thanks to his patience and perseverance, we managed to secure a sales price beyond our expectations.
We are very happy and satisfied with his services and will definitely recommend him to our friends and family in the future.”
Mr & Mrs Tan (Seller of Inter-Terrace House) Read More

Hi Rajaraman,

Yes, you are able to do so.

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 
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Landed Dynamic Alliance
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Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Hi, appreciate your sharing. Able to help you with HFE or meet you at HDB branch office to check with HDB officer.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

My Answer with regards to your Question:

Yes, as a Singaporean above 75 years old, you can buy a resale HDB flat in your name only and include your wife as a co-occupant without her being listed as an owner. Your wife would be considered an essential occupier.

For a resale HDB flat that is 4-room size or smaller, you can make the purchase immediately. However, if you're considering a larger unit, you may need to wait out a 15-month period before being eligible to purchase, or you may need to appeal for an exemption.

It's important to ensure that your wife agrees to be listed as a co-occupant, as she will not be the legal owner of the HDB flat. If you have any further questions or need assistance with your housing plans, feel free to provide more information for tailored recommendations.

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 :)

See my REVIEWS here: (Just need to Copy and Paste the link)

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

Final Note: For BUYERS: SOLUTION for sourcing of RESALE and NEW PRIVATE Home such as Condominium or Landed properties. Represent you as BUYER > Currently there will be NO FEES CHARGED TO YOU/ FREE SERVICE.

Singapore has hovering over 30000 licensed agents for the last 10 years as property agents come and go .And in my opinion, property guru is the most effective marketing platform this season in Singapore

So, what’s the odd / chances that 2 complete strangers get to link together by property guru ?

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!

ABLE Toh-ERA, Singapore Mobile :( +65) 9856 9255  “ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me Read More

hello! congrats on your enbloc, onward looking for a HDB house purchase. there are a handful of steps to do before buying as you need to register your intent with HDB. let me guide you on it step by step. please call me at 97483248  (josephine) to schedule for a free discussion on how to proceed forward. Read More

Hi Raja,

1) If you are buying a 4-room and small flat. You can buy immediately without observing any wait-out period.
2) You will have to appeal to the HDB if you wish to buy a bigger flat.
3) You may list your wife as an occupier. But do note that she will still automatically become the essential occupier due to her marriage status.
4) This means that she will have to endorse all resale documents in the purchasing process.
5) She will also have to comply with the 5-year Minimum Occupation Period (MOP) restriction as the owner.

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

My Answer with regards to your Question:

Yes, as a Singaporean above 75 years old, you can buy a resale HDB flat in your name only and include your wife as a co-occupant without her being listed as an owner. Your wife would be considered an essential occupier.

For a resale HDB flat that is 4-room size or smaller, you can make the purchase immediately. However, if you're considering a larger unit, you may need to wait out a 15-month period before being eligible to purchase, or you may need to appeal for an exemption.

It's important to ensure that your wife agrees to be listed as a co-occupant, as she will not be the legal owner of the HDB flat. If you have any further questions or need assistance with your housing plans, feel free to provide more information for tailored recommendations.

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 :)

See my REVIEWS here: (Just need to Copy and Paste the link)

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

Final Note: For BUYERS: SOLUTION for sourcing of RESALE and NEW PRIVATE Home such as Condominium or Landed properties. Represent you as BUYER > Currently there will be NO FEES CHARGED TO YOU/ FREE SERVICE. Read More

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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
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