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I could not find this sort of situation online, hence writing here

Situation: mixed couple; Singaporean wife who solely owns a BTO HDB flat for the past 10 years. Spouse is PR, they got married recently.

The PR husband would like to check if he can buy or co-own a portion of the spouse`s HDB - basically buying 25-50% from the wife. Not focusing on how to pay but more of eligibility.

The caveat is that he owns an overseas residential flat property (bought with loan that is still payable for the next 15+ years).

Do you think HDB will agree for an expection?
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1 Answer

Aren Goh
Replied
On the Exception Question — Will HDB Agree:
Honestly the odds are uncertain. HDB's position on overseas property ownership has historically been strict. However appeals are absolutely worth submitting given your unique circumstances. The appeal should be supported by:

Marriage certificate
Documentary proof of overseas property and loan status
A clear written explanation of your situation and intent

My Practical Recommendation:
Pursue two tracks simultaneously — submit the HDB appeal formally while also exploring the feasibility of divesting the overseas property in the medium term. If the overseas property loan is still payable for 15 years, selling may not be straightforward but a partial transfer of ownership to another party could potentially resolve the eligibility issue.
I would strongly recommend engaging an HDB specialist lawyer alongside your property agent to structure this appeal properly — the legal framing of your case will significantly affect the outcome. Read More
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