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Sorry to hear about your situation. Depending on how things pan out, your plan could be a challenge because your adult daughter is still under 35, and would unlikely be listed as an owner of the flat. This would then exclude her from the HDB loan as well.

If you need to work out a housing plan for you and your daughter, happy to arrange a meetup to walk through your possible options. I have a decade of experience working on Singapore public policy, and have a passion for helping clients on their real estate journey.

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, appreciate your sharing. Able to do the HFE and determine the outcome, before you appeal.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

Good day to you,

First, we need to clarify what is stated in the Final Court Order. Will the property be sold on the open market, or are there options available for the current owners to execute a part-share purchase?

Next, it’s important to understand your daughter's intentions. Is she planning to establish her own family or secure her own housing as she matures? Her decision regarding co-ownership—whether through part-purchase or resale—will significantly impact your plans.

Once you have addressed these points, you should write to HDB to appeal your case. Depending on the specifics of your situation, you may be eligible for a market-rate housing loan.

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Regards
Mike Lim
 96929209 
R026708F
m52i@yahoo.com
ERA 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, yes a 3rd time HDB loan is possible and I have a buyer who successfully appeal for a loan for the 3rd time but at a higher interest

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

1. First, review the Final Court Order carefully. Identify if it requires the property to be sold on the open market, or if there’s room for an internal arrangement—such as one party buying over a share of the flat.

2. Next, clarify your daughter’s long-term housing goals. Whether she plans to form her own household or stay involved in the current flat ownership will influence the path forward.

3. Once both matters are clear, prepare your appeal to HDB. Present the details honestly, as you may qualify for a standard market-based loan depending on your case specifics.

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Is your final judgement out? It will highly depend on the final judgement as well as whether your daughter's income is sufficient to undertake the loan.

——

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.

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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

It may be possible for her to take HDB loan if her income is sufficient, but she has to be one of the co-owners of the flat as well to take over. HDB also has to look at whether your finances are sufficient to take over. If not possible, and if the flat has already MOP, then the flat has to be sold in the open market. May I know if you have gotten the final judgement court order?

I have helped divorced couples to sell their property before and will be able to share some inputs to help you navigate the process.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  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

Warm Regards,

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Hi,

1) There are 3 issues hidden in your question:
(a) What is the outcome of your final and interim court order? These 2 court orders will indicate whether to sell your flat in the open market or one party can buy over the other party's share.
(b) Your daughter does not meet the eligibility alone to buy over your flat.
She can be a co-owner of the flat by doing a part-share purchase from your ex-spouse.
(c) She will face difficulty when she setting up her family at a later stage.

2) Once the above are thought thru' and discussed. Then, you have to seek help from the HDB to get a HFE for your daughter to buy over the part-share.

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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