4 Answers

Hi Kok Wei,

It will not be prudent for us to advise without understanding the situation fully. I believe within a family, it would be helpful to find out more about the concerns of your brother for removing your name from the current place. Is it due to finances or is it for other reasons?

How about your mum and dad? In order for you to remove your name, you will need HDB to approve this as well and consent from your fellow owners will likely be required too. Owners are not allowed to put up their properties for rent or sale on PropertyGuru. In fact they are encouraged to engage the services of agents to market their place if required especially for rental, due to the spike in scam cases for rent in recent times. Many tenants I have came across have indicated that they are now very careful and will prefer to deal with agents listings instead since it is more legitimate source of listing given that we are licensed to do real estate works. This works well for many landlords too, since we will also be required to do our due diligence on prospective tenants. If your concern is to save on agent fees, the good news then is that agent fees is only applicable when there is a successful transaction, therefore this amount of money can be built into the monthly rental price you get from the tenants. In this case, the tenants will be the ones paying the agent fees indirectly, so homeowners like yourself will enjoy the professional level services while not worrying about having to pay for the marketing fees even if there is no confirmed tenants.

I have been in the real estate business since 2009, with more than 13 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 9,400 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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Hi Kok Wei,

1) There are only 2 ways to remove your name from a residential property:
(a) Gift
(b) Part-share selling

2) The main difference in the above 2 methods is that transferring your share via gift is no profit from the transfer, whereas part-share selling receives profit from the transaction.
3) Both methods incurred similar legal fees and stamp duty.
4) Most people will use the part-share selling method because transfer via gift requires the property free from mortgage.
5) However, the HDB also allowed changes of ownership (Not through a sale); https://www.hdb.gov.sg/residential/living-in-an-hdb-flat/changing-owners-occupiers/change-in-ownership/change-in-flat-ownership/guide-on-transfer
6) This is similar to part-share selling except that you will not profit from the transferring.
7) Your brother will have to pay for funds utilized from your CPF with accrued interest.
7) He can apply for a mortgage on top of the existing loan to pay for CPF utilized with accrued interest.
8) Your brother might be concerned about servicing the increment in the monthly mortgage after the share is transferred/sold to him.
9) You are not able to remove your name without the consent and cooperation of your brother.
10) As a family, I still believe there is a way to talk to each other to solve a problem.

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

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
https://www.linkedin.com/in/ckling/ Read More
Hi, appreciate your sharing. Best to check with HDB branch office on your situation.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Stewart-PropNex (Senior Associate Division Director) Read More
Removing Your Name from Co-Ownership of HDB Flat (Singapore)
Hi Kokwei Ng,

It's understandable that you want to remove your name from the HDB flat co-ownership, especially considering your upcoming marriage and desire to purchase a resale flat with your fiancee. Here's an explanation of your options:

Challenges in Removing Your Name:

HDB generally discourages the removal of a co-owner's name unless there's a valid reason like a court order due to a break-up in family ties.
Possible Solutions (Discuss with a Lawyer):

Negotiate with Your Brother: Open communication with your brother is crucial. Try to understand his concerns and explore possibilities for a compromise. Perhaps you can offer to buy him out of his share of the flat.

Legal Separation (Last Resort): If negotiation fails, considering legal separation as a last resort might be an option. However, this is a complex process and requires consulting a lawyer specializing in HDB disputes. They can advise you on the legal implications and potential success rates.
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