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Hi, appreciate your sharing. It depends whether before or after ROM, able to write in to check HDB and check behalf.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

The understanding is that if property is purchased prior marriage and if HDB is still under MOP, the private property should be sold, however I have heard of cases where both properties were kept. Not personal encounter but only hear say. Read More

Generally, the key is that the HDB owner needs to satisfy the MOP before making major changes like adding a spouse or selling. How the other party’s property is treated usually depends on timing and household declaration rules. Many people wait until the MOP is complete before finalising marriage or joint ownership to keep things simpler. Read More

Based on the scenario you set up - Upon marriage, 36M will likely be advised to sell the condo or 36F will be advised to dispose the HDB.

Outside of trying to appeal HDB, there is only one particular sequence I can think of that doesn't require an appeal, in what you are describing at the end-state might work out within a reasonable timeframe.

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. I would love to schedule a free consultation to discuss the option if you need any support.

Feel free to reach out via whatsapp or email.

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

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

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, you could even write in to HDB and to appeal for letting you keep the flat.

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

Hi Karen,

Congrats on your upcoming marriage. If both properties are bought before your marriage and the HDB is still under the 5 years MOP, HDB will require you both to fulfill the MOP by staying in the HDB flat. There is usually no need to sell the private property and you may rent it out for rental income.

Please feel free to contact me if you need any further assistance or advice.

Regards,
Nick Tan
(M) +65 96 44 48 54
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com

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With his help, we finally managed to sell our unit at a price within our expectations, before the deadline. Nick’s service is top notch – he is knowledgeable in his field, swift to respond, easy to communicate with Read More

This is a great and very common question and the answer depends on timing and ownership sequence. Allow me to break it down below Read More

Current scenario

Female (36F): Buys a resale HDB under her name (single buyer).

Male (36M): Already owns a private condo under his name.

They eventually plan to get married — either within or after her 5-year MOP.

If you marry within the 5-Year MOP

The HDB will now be treated as a married couple’s property.

HDB rules state that a couple cannot own both an HDB and a private property at the same time.

The private condo owner (36M) must dispose of his private property within 6 months after being included as a spouse/owner/occupier in the HDB.
OR — the HDB owner (36F) must sell her HDB if they want to keep the condo.

MOP does not reset, but dual ownership is not allowed.

if you wish to find out the other scenario or to find out what is the better way, can proceed to contact me thru the following
whatsapp : wa.me/6596989189
email : bryankoh.realestate@gmail.com

Thanks Read More

Hi,

1) Let's lay out the HDB conditions relating to your situation:
(a) All applicants (owner(s) + core occupier(s)) must not own any private residential propery during application.
(b) All owner(s) + core occupier(s) are not allowed to own any private residential property during MOP.

2) Your situation is in between the above conditions.
3) The occupier is automatically became the core occupier under married status.
4) So, whether your future spouse is going to be owner or core occupier will fall under both situation.
5) That is to say, strictly speaking your future spouse must not own any private residential property during your flat is still under MOP.
6) As for current situation, there is a 15-month cooling period before allowed to own an HDB flat.
7) The standard answer from the HDB should be both of you have to observe a 15-month cooling period before allowed to buy a resale HDB flat if married before buying.
8) If married after buying the HDB flat, your future spouse properly is not allowed to be the owner of the flat but can be the core occupier without observing the 15-month cooling period.
9) If both of you wish to keep an HDB flat and the current private residential property, then, get marry after completion of the HDB flat.
10) You may consider which is best to fit your ideal situation and appeal accordingly.

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/

Note:
Any response to our answer does not reach us until we scroll through every query posted daily.
The best way to get a follow-up is to contact us directly via WhatsApp or email. Read More

✔1 The HDB owner must **complete the Minimum Occupation Period (MOP)** before making big changes such as **adding a spouse, selling, or changing ownership status**.

✔2 The treatment of the other partner’s property depends on **timing and household declaration**, so careful planning helps avoid compliance issues.

✔3 Many couples choose to **wait until the MOP is over** before registering their marriage or merging ownership to keep things straightforward.

✔4 In this case, the **female buyer (36F)** owns a resale HDB under her name, while the **male partner (36M)** owns a private condo under his.

✔5 If they **marry before her 5-year MOP is completed**, the HDB will be reclassified as a **married couple’s property**.

✔6 Under HDB regulations, **a married couple cannot own both an HDB and a private property** at the same time.

✔7 Therefore, once married, the **male partner must sell his private condo within 6 months** of being listed as a spouse, owner, or occupier in the HDB.

✔8 Alternatively, if they wish to **retain the condo**, the **female partner would need to sell her HDB** instead.

✔9 The **MOP period continues as normal**, but **dual ownership of private and public housing is not permitted** under HDB rules.

✔10 It’s wise for the couple to **review timelines and property goals early**, ensuring all decisions align with HDB’s ownership policies.

“As Warren Buffett once said, someone’s sitting in the shade today because someone planted a tree a long time ago.”
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Good day to you.

Ultimately, the outcome will hinge on the date the private property was acquired and whether the appeal to HDB is approved. When you marry, it is necessary to include your spouse's name as an essential occupier. To facilitate this, the spouse must not possess any private property. However, if the private property was bought long before the marriage, you may have a basis for an appeal.

Navigating a property transaction can be complex, especially with major life events. As a seasoned property consultant with 15 years of experience, I provide informed guidance on complex property matters.

I assist my clients with -
Divorce: Providing guidance for property settlements and achieving a clear outcome.
Estate Planning: Simplifying the process of planning for the future or handling inherited property.
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For informed guidance along your property journey, you can schedule a free consultation to discuss your specific needs via -
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