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Hi,

1) HDB minimum requirement for 2 PR buying a resale HDB flat is that these 2 PR can form a family nucleus.
2) Family nucleus can be formed by HDB definition has to be under the following formations:
(a) A married couple
(b) Parent(s) + child(ren)

3) Therefore, only your brother + his spouse can buy a resale HDB flat. Adding you is just to reduce the load in the purchase.
4) A married couple cannot buy their own individual HDB flat. Both must buy together.
5) Your brother has to observe a 15-month wait-out period after selling his residential property.
6) If this property is a commercial or industrial property, he will still be eligible to buy an HDB flat with your sister-in-law.
7) If this property is overseas and is still occupied by your elderly parent(s). He can still appeal to HDB to request an exemption.

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
 90110636 
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/

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I see this is related to an earlier question. As my colleague explained, it would be difficult given your circumstances.

The underlying question remains why exactly you might want to do so. If the idea is to co-invest in a property, there would be better options you could consider. If the idea is to have a place to stay together, there are also a number of options available.

In fact, if you have the help of a skilled agent to make smart property moves, you can simultaneously have a nicer and bigger place to live in, while growing your savings and wealth through property.

I'm a Harvard graduated real estate agent with a degree in economics, and have supported clients on more than $1 billion in transactions. I can help with sourcing, viewing, own-stay & investment analysis, market comparatives, timeline planning, safe entry pricing and more. Feel free to reach out!

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

Good day to you.

HDB permits joint single scheme for two single Singaporeans, aged 35 and above. Married SPR couples are eligible to purchase a resale HDB unit. For your case, you can opt for private residential property.

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ERA Read More

hi,

Unfortunately, a PR + LTVP couple is not eligible to purchase an HDB flat under any of the standard HDB schemes (such as the Public Scheme or Fiancé/Fiancée Scheme), as HDB requires at least two Singapore Citizens or PRs forming a valid family nucleus. Additionally, both PR applicants must have held their PR status for at least three years to be eligible for a resale flat.

Although both you and your sister-in-law are PRs, HDB does not recognize in-laws as part of a valid family nucleus. Therefore, purchasing a flat together is not permitted under current HDB eligibility criteria.

At this stage, your main options are:

Wait for your husband to obtain PR status and hold it for at least three years—this would allow you both to qualify for a resale flat under the Public Scheme.

Consider buying a private property, though Additional Buyer’s Stamp Duty (ABSD) will apply.

Hope this helps,

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

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Samantha (Resale condo buyer) Read More

Hi,
Have you spoken to any banker?
I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

The quickest way to find out your eligibility based on the nucleus you intend to purchase is to apply for HFE. It is free and non-legal binding in purchasing. Have you already met your minimum occupation period of 5 years? If you have not, then it could be unlikely for your sister to buy over your share. Otherwise you will need to appeal for HDB to allow for the buy over if your sister meets the eligibility to do so.

The financing aspects needs to be looked into as she will also need to be eligible to take up a loan to finance the buy over, and subsequently whatever amount of funds you have utilised via CPF for this property, this amount needs to be refunded back into your CPF account plus the accrued interest. Good morning sir/mdm,

Sorry to hear about your loss. Assuming that HDB allows you to retain this HDB flat under such circumstances.

Buyer’s Stamp Duty (BSD) is applicable even if the transfer is not through a sale but via inheritance with renunciation by other beneficiaries.

The IRAS treats the transfer of a deceased's residential property to a beneficiary as dutiable only if:

The transfer is not solely under a will or the Intestate Succession Act, and

Some beneficiaries renounce or transfer their entitlement to another for consideration (even if no money changes hands).

Since you’re taking over full ownership and your siblings are renouncing their share, BSD will apply on the entire market value of the flat (or the part you’re inheriting from your siblings).

ABSD will also apply because you already own a private property and are not disposing it.

As a Singapore Citizen, your second residential property attracts ABSD of 20% (as of the latest rates in effect from 27 April 2023).

Since you are not selling your private property, this HDB flat will count as an additional property, triggering ABSD.

Special Note:

If all 3 children were to inherit the flat jointly without renunciation, no ABSD would apply as it’s inheritance under the Intestate Succession Act.
But since only you are taking over the entire flat and others are renouncing, IRAS will treat it as a transaction, not a pure inheritance, hence BSD and ABSD apply.

Hope the above helps!

——

I have been in the real estate business since 2009, with more than 15 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 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.

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
Deputy Branch Associate 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 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

-----

Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatr Read More

The quickest way to find out your eligibility based on the nucleus you intend to purchase is to apply for HFE. It is free and non-legal binding in purchasing. Have you already met your minimum occupation period of 5 years? If you have not, then it could be unlikely for your sister to buy over your share. Otherwise you will need to appeal for HDB to allow for the buy over if your sister meets the eligibility to do so.

The financing aspects needs to be looked into as she will also need to be eligible to take up a loan to finance the buy over, and subsequently whatever amount of funds you have utilised via CPF for this property, this amount needs to be refunded back into your CPF account plus the accrued interest. Good morning sir/mdm,

Sorry to hear about your loss. Assuming that HDB allows you to retain this HDB flat under such circumstances.

Buyer’s Stamp Duty (BSD) is applicable even if the transfer is not through a sale but via inheritance with renunciation by other beneficiaries.

The IRAS treats the transfer of a deceased's residential property to a beneficiary as dutiable only if:

The transfer is not solely under a will or the Intestate Succession Act, and

Some beneficiaries renounce or transfer their entitlement to another for consideration (even if no money changes hands).

Since you’re taking over full ownership and your siblings are renouncing their share, BSD will apply on the entire market value of the flat (or the part you’re inheriting from your siblings).

ABSD will also apply because you already own a private property and are not disposing it.

As a Singapore Citizen, your second residential property attracts ABSD of 20% (as of the latest rates in effect from 27 April 2023).

Since you are not selling your private property, this HDB flat will count as an additional property, triggering ABSD.

Special Note:

If all 3 children were to inherit the flat jointly without renunciation, no ABSD would apply as it’s inheritance under the Intestate Succession Act.
But since only you are taking over the entire flat and others are renouncing, IRAS will treat it as a transaction, not a pure inheritance, hence BSD and ABSD apply.

Hope the above helps!

——

I have been in the real estate business since 2009, with more than 15 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 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.

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
Deputy Branch Associate 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 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

-----

Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatr Read More

Thanks for your question — this situation comes up more often than you’d think.

Here’s the breakdown:
1. PR + PR can buy a resale HDB flat
Yes, you and your PR sister-in-law can apply under the Non-Citizen Spouse Scheme (if relevant) or Public Scheme (siblings/relatives), as long as both of you are Singapore PRs for at least 3 years. You’ll be buying a resale flat only, not a BTO.
2. PR + LTVP spouse
You cannot buy an HDB flat directly as a couple under this pairing. HDB requires at least one Singapore Citizen to buy under the Fiancé/Spouse Scheme or Non-Citizen Spouse Scheme. So, buying with your LTVP husband won’t be allowed.
3. Buying with your brother
Since your brother already owns a property, he’s ineligible to be listed as an essential occupier or co-applicant under most HDB schemes, unless he disposes of his property.

In your case, your best option is to buy a resale HDB flat with your PR sister-in-law, assuming both of you have held PR status for at least 3 years.

Let me know if you’d like help checking your eligibility step-by-step or to shortlist suitable flats based on your budget and timeline.

Aren Goh | PropNex | 96576701  Read More

1. For two PRs to buy a resale HDB flat, they must **form a valid family nucleus as defined by HDB**.

2. According to HDB, a family nucleus includes:
(a) A married couple, or
(b) Parent(s) with their children.

3. This means only your **brother and his spouse qualify to buy the resale flat**. Your inclusion would mainly help ease the financial burden.

4. Married couples cannot each buy separate HDB flats individually—they must **purchase jointly**.

5. Your brother must also **observe a 15-month waiting period** after selling his previous residential property before buying again.

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WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

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