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I am single and 30 this year. Due to parent's split up, I bought a 4R resale HDB with my mother in 2023. Was not eligible for HDB Housing Loan and any of the grants. The CPF officer mentioned I will still be a first-timer if I purchase another flat next time. My mother and I co-own this current flat and servicing via a bank loan.

Before this flat MOP in 2028, if I have a suitable partner and wish to apply for BTO, can I apply for one?
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5 Answers

You can apply for one, however, you will need to dispose your ownership in the current flat. Will your mum be moving in together with you for the BTO? Otherwise will she be able to sustain the ownership of the current place on her own financially, assuming that she is eligible to own the current flat on her own?

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  • Geryl Lim
    Am afraid not. You can only apply for BTO upon meeting MOP for the current flat.
  • K
    Since we have to wait for BTO, can I apply and let the waiting time run together with the MOP period? She will not be moving in. If financially able, would like to pay off the house. Disposing of current ownership is only when I get my future BTO keys, yes?
Hi,

Unfortunately as you are co-owner and bounded by the MOP of 5 years, you cannot apply any BTO within this window unless you appeal successfully with HDB.

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.

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Robbie Chen Chee Howe
Hi,

You can only apply for a BTO flat after you have met the MOP of your current 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
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