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I'm married. before we got married, I already owned a 4R HDB with MOP completed, he already owned a landed house. We are looking at a retirement place. Can we consider a HDB? or only condos? no budget for other private property types.
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8 Answers

Hi, appreciate your sharing. Able to write into HDB to check before proceeding for next move.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More
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Given your situation: since both of you already own properties (HDB for you, landed for him), buying another HDB flat together isn’t allowed under HDB rules. HDB is restricted to first-timer or eligible owners who don’t already own a private property.

This means your only feasible option for a retirement home would be a private property, like a condo. Since you’ve ruled out other types of private property, a condo is the practical choice.

It’s worth considering factors like location, size, and leasehold (if you want long-term stay) when choosing a condo for retirement. Read More
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If you consider a landed for retirement, this means that your spouse will need to liquidate the landed, wait out for 15 months (assuming both of you are under 55 years old) before being eligible to purchase the resale HDB.

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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.

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Actually you have the range of options between HDB, Condo, Apartments, or Landed depending on what your retirement goals are For example:
- Do you want more cash to spend for retirement?
- Do you want a passive income for the rest of your life?
- Do you want a bigger place?
- Do you want convenient amenities at your doorstep?

Happy to arrange a session to run through how you might optimize your property portfolio for retirement and also to find your retirement home.

I'm a Harvard graduated real estate agent with a degree in economics, and have supported clients on more than $1 billion in transactions. 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
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Tan Pei Cheng (Pei)
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
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Bryan Koh 许智俍
it would really depend
Staying in a hdb or condo really depend if you wish to keep more cash or less because they are both different price quantum item

The most important to me is comfort and what you guys want.
i'm keen to explore the options with you guys

If you wish to find out more, can proceed to contact me thru the following
whatsapp : wa.me/6596989189
email : bryankoh.realestate@gmail.com

Thanks Read More
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Hi,

1) This shall depends on the following:
(a) Your retirement funds to assist in your retirement plan.
(b) Your life style and habbit.
(c) The kind of retirement life style.
2) Living in a condo will offer the following benefits:
(a) A serene and full privacy accommodation.
(b) A higher social status
(c) Friends and relatives will still keep in touch seeking for benefits.
3) Living in an HDB flat will offer the following:
(a) Closer to amenities, transportation.
(b) Living cost can keep to minimum
(c) Government is providing subsidizes to HDB dwellers.
(d) Joining social activities in HDB area is cheap and will have more new friends without obvious objective.
4) You have to make your own decisions. Hope the above can assist in your planning.

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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✔1 Since both of you **already own properties** (HDB for you, landed for him), **HDB purchase together isn’t allowed** under current HDB rules.

✔2 HDB eligibility is limited to **first-time buyers or those without private property**, so a joint purchase isn’t feasible.

✔3 This leaves **private property**, such as a condo, as the **practical choice** for a retirement home.

✔4 When selecting a condo, consider **location, size, and leasehold** to ensure it meets your long-term living needs.

✔5 The choice between HDB or condo often comes down to **financial priorities** — whether you wish to retain more cash or invest in a larger space.

✔6 **Comfort and lifestyle preferences** should be the main guiding factor; your retirement home should suit what you both value in daily living.

✔7 I’m happy to **explore the available condo options** with you to find something that aligns with your retirement plans.

✔8 Reviewing all factors early can help balance **financial sense and living comfort** for a satisfying long-term decision.

“As Henry David Thoreau said, success usually comes to those who are too busy to be looking for it.”
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