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Hi Sir/Mdm,

If your current place is a private property and you are one of the co owners, you will not be eligible for the CPF housing grant. You may be eligible for the proximity housing grant.

Yes your parents are move in with you as long as you are physically occupying the HDB flat during the 5 years Minimum Occupation Period. If your parents are willing to use some of the CPF withdrawal to help you to finance the place, they are able to. You can check with CPF how much CPF they are able to withdraw after the sale.

Please feel free to contact me if you have any further questions!

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Nick Tan
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Hi

Are you already 35 years old and above single Singaporean citizen? If so, you can purchase under single Singaporean citizen scheme, and need not include the parents as occupiers for the HFE application.

If they have met their CPF full retirement sums, the excess of that in the OA can be drawn down as cash for their own use, or to help you with your housing purchase.

As you are already a co-owner of the private property, you will not be eligible for any grants or hdb loan after selling the private property. Have you found a buyer for your private property?

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 home-owners to smoothly complete their housing plans over the years. Please reach out to me at (65) 9 7 4 3 2 3 9 5 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

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It seems that you are able to purchase the next place as a single, thus your parents need not be the essential occupiers from your description. With this combination, your parents will still be able to live with you after the sale.

The only consideration for them could be what if you decide to ask them to move out and they do not have any place to stay therefore if they are alright with such an arrangement, it should be fine.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market. Check out the EdgeProp featured article on myself recently at https://www.edgeprop.sg/property-news/geryl-lim-leading-landed-real-estate-heart-hustle-and-harmony

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 15,900 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.

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It sounds like you are in the midst of a housing transition that takes careful planning, and you're asking great questions!

1) If I were to proceed without adding my parents as occupiers, can they still move in with me after selling our current house?
- > Yes.

2) Can I include them as occupiers after purchasing/moving in the new resale house?
-> Yes, they will be regular (non-essential) occupiers.

3) If they are not listed as occupiers, can they still change the address on their IC under my address?
-> The IC should reflect their actual address. They should be listed as occupiers (which should be no issue to add later on) if they intend to move in with you afterwards

4) With my parents CPF return, are they able to withdraw some of it to help out with the purchase of the new house?
-> If they are not owners, they cannot use their CPF directly for said home. That being said, since they are past 70, if they have met the CPF requirements for retirement sums, they can withdraw some amounts from their OA for their retirement usage subject to CPF approval. Whatever they do with the money - which could include supporting your home purchase - is up to them to decide. You just need to time things correctly with a help of a competent agent.

-----------

Actually, there are many other policy, financing and timeline considerations that go into play here in the move you are describing. If you're available, I'll be happy to run you through all the things you really need to take note of and how to navigate the complex processes.

I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy.

Feel free to reach out to me via whatsapp or email below and we can chat further.

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Hi! Really thoughtful questions and I can see you are trying to do right by your parents while maximising your grant eligibility. Let me address each one clearly.

Why Removing Parents as Occupiers Unlocks Your Grant:
When your parents are listed as occupiers, HDB factors in their property ownership history and profile into your application — which likely disqualifies you from grants. Removing them means your application is assessed purely on your own eligibility, which explains the change in results.
The good news — removing them from HFE does not mean they cannot live with you.
Question 1 — Can you add them as occupiers after moving in:
Yes, absolutely. You can register your parents as occupiers with HDB after you have completed the purchase and moved in. This is a straightforward update via the HDB portal or in person at an HDB branch. There is no restriction on adding immediate family members as occupiers post-purchase.
Question 2 — Can they update their IC address to yours even if not listed as occupiers:
Yes, they can update their NRIC address to your flat address regardless of whether they are formally listed as HDB occupiers. NRIC address registration with ICA is a separate process from HDB's occupier registration and one does not depend on the other.
Question 3 — CPF withdrawal from parents' CPF return to help with purchase:
This is where it gets more complex. When your parents sell their share of the current apartment, their CPF principal and accrued interest will be refunded to their respective CPF OA accounts. However since they are not listed as owners or co-applicants on the new resale flat, they cannot directly use their CPF to fund your purchase.
What they can do:

Withdraw their CPF OA savings in cash if they are above 55 and have met their Basic Retirement Sum — and then gift or loan you the cash to assist with the purchase
This is subject to their individual CPF balances and retirement sum requirements at their age

Given your parents are in their 70s, they have very likely already met their retirement sum requirements, meaning CPF withdrawal in cash should be accessible to them.
My overall recommendation:
Proceed with the HFE without listing your parents as occupiers to secure your grant eligibility, then add them as occupiers through HDB after completion. This is a clean, legitimate approach that protects both your grant entitlement and your parents' ability to live with you.
I would be happy to guide you through the full resale process and help you maximise your grant amount. Which area are you looking at for the new resale flat? Read More

Hi,

1) I highly doubt the accuracy of the HFE application result according to the info provided.
2) If you co-own a private residential property with your parents and you are below 55 yrs old. You have to observe a 15-mth wait-out period before eligible to buy a resale HDB flat.
3) If you co-own a private residential property and you are at 55 or older, you are eligible to buy a 4-rm or small resale HDB flat without HDB loan and grants.
4) The HFE result should remains the same whether your parents are added as occupier or not.
5) You will only be eligible for any housing grant and HDB loan by observing a 30-mths wait-out period after selling.
6) It is recommend to seek advice from the CPF over the refund CPF after selling. There are too many factors on it to have a different result.
7) Your questions (1) & (2) are not valid. Please see my (2) & (3).

All The Best!!!

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
9011 * 0636
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
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