Asked by Anonymous
Is it possible to buy HDB 4 room with my sister-in-law? Only im working
37 views
9 Answers
Possible but depends on a number of things like your age, your marital status and hers.
I guess the question is why you might want to do so. If the idea is to co-invest in a property, there would be better options for you to consider.
If you do not have a buyer agent representing you at this point, would you consider allowing me to support your home buying journey?
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
I guess the question is why you might want to do so. If the idea is to co-invest in a property, there would be better options for you to consider.
If you do not have a buyer agent representing you at this point, would you consider allowing me to support your home buying journey?
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
-
ANAmritha NagarajanRepliedMy brother already have a HDB in his name along with my parents. My sister in law and I we both are PR I’m married. My husband LTVP. Is it possible to buy HDB
Hi
You have to include your brother's name inside the flat. Just you and your sister-in-law it is not a valid nucleus to qualify for any hdb eligibility scheme to buy. If you are single singaporean citizen 35 years and above, you can purchase on your sole name as well a resale HDB 4-room. Her name is not required to be added.
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,
Ivan Ng Realtor
ERA Senior Marketing Director
ERA Multiple Diamond Award Achiever
SEAA Salesperson Achievement Award (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)
ERA Top 11th Achiever in Feb 2024 (Top 1% Company Level)
ERA Top 64th Achiever in March 2024 (Top 1% Company Level)
ERA Top 37th Achiever in Oct 2023 (Top 1% Company Level)
ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
ERA Top 11th Achiever in June 2020 (Top 1% Company Level)
SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.
Contact: (+65) 97432395
Whatsapp: wa.me/6597432395
Email: Ivanng10@gmail.com
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Web: https://propertyportal.era.com.sg/agent/detail/R052114D
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CEA: R052114D
**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! ** Read More
You have to include your brother's name inside the flat. Just you and your sister-in-law it is not a valid nucleus to qualify for any hdb eligibility scheme to buy. If you are single singaporean citizen 35 years and above, you can purchase on your sole name as well a resale HDB 4-room. Her name is not required to be added.
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,
Ivan Ng Realtor
ERA Senior Marketing Director
ERA Multiple Diamond Award Achiever
SEAA Salesperson Achievement Award (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)
ERA Top 11th Achiever in Feb 2024 (Top 1% Company Level)
ERA Top 64th Achiever in March 2024 (Top 1% Company Level)
ERA Top 37th Achiever in Oct 2023 (Top 1% Company Level)
ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
ERA Top 11th Achiever in June 2020 (Top 1% Company Level)
SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.
Contact: (+65) 97432395
Whatsapp: wa.me/6597432395
Email: Ivanng10@gmail.com
IG: instagram.com/ivanngrealtor
WeChat: ivanng10
FB: fb.com/IvanNgRealtor
Web: https://propertyportal.era.com.sg/agent/detail/R052114D
(Client's Testimonials)
CEA: R052114D
**Note: We are not prompted when you respond here, hence please get in touch directly. Look forward to hear from you soon! ** Read More
Finances aside, you may want to apply for HFE to determine the eligibility. Your brother will likely have to be included in the family nucleus in this case.
——
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 Expatriates) to indicate your rental requirements.
Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore
Pick up knowledge, skills and Real Estate concepts at https://www.facebook.com/RealEstateXcellence/
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-----
Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More
——
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 Expatriates) to indicate your rental requirements.
Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore
Pick up knowledge, skills and Real Estate concepts at https://www.facebook.com/RealEstateXcellence/
New Singapore Expatriates on facebook is up and running. Come join us at https://www.facebook.com/groups/newsgexpats/
-----
Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More
1
Hi,
1) The info provided is too vague to understand your situation.
2) By right, if your sister-in-law still married. Your brother name must be in the application.
3) They may have you add in as an owner to assist in the payment.
4) If you are buying with her under joint-single scheme, and she is divorced/widowed, you must have reached 35 years old before eligible to buy.
5) You will be eligible for single grant if this is your 1st purchase and reached 35 years old. The same is applicable to your sister-in-law.
6) Finally, you must have sufficient budget to buy. This means your OA + cash + loan must be equal or more than the purchase price.
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 each and every query posted daily.
The best way to get a follow-up is to WhatsApp or email us directly. Read More
1) The info provided is too vague to understand your situation.
2) By right, if your sister-in-law still married. Your brother name must be in the application.
3) They may have you add in as an owner to assist in the payment.
4) If you are buying with her under joint-single scheme, and she is divorced/widowed, you must have reached 35 years old before eligible to buy.
5) You will be eligible for single grant if this is your 1st purchase and reached 35 years old. The same is applicable to your sister-in-law.
6) Finally, you must have sufficient budget to buy. This means your OA + cash + loan must be equal or more than the purchase price.
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 each and every query posted daily.
The best way to get a follow-up is to WhatsApp or email us directly. Read More
1
Good day to you.
Between two to four individual Singaporeans can qualify to buy a resale HDB unit under the Joint Single scheme. The single or divorced applicant needs to be at least 35 years old, while the widowed or orphan applicant must be at least 21 years old.
Do both of you meet the basic criteria? Let's meet up to work things out.
Navigate Property Decisions with Confidence
With over 15 years of experience in Singapore's residential property sales and purchase (S&P) cases, I understand the complexities involved in the process. I aim to guide you every step of the way with clear communication, ensuring that all parties are legally represented and protected.
I offer in-depth knowledge in:
Ø Estate Planning and Distribution: Planning for the future can feel daunting. Let’s work together to create a smooth, transparent process that brings peace of mind.
Ø Divorce: Navigating property settlements during a divorce can be challenging. I provide expert guidance to help you achieve a fair and efficient outcome.
Ø And More: From Power of Attorney to navigating financial challenges, I handle various situations to address your concerns and empower you to move forward confidently.
Schedule a Free Consultation Today! Let's discuss how I can assist you in your property journey. For more informative insights, follow our short video here: https://www.youtube.com/@YourSGHomeCompass-MLnU.
Regards
Mike Lim
96929209
R026708F
m52i@yahoo.com
ERA Read More
Between two to four individual Singaporeans can qualify to buy a resale HDB unit under the Joint Single scheme. The single or divorced applicant needs to be at least 35 years old, while the widowed or orphan applicant must be at least 21 years old.
Do both of you meet the basic criteria? Let's meet up to work things out.
Navigate Property Decisions with Confidence
With over 15 years of experience in Singapore's residential property sales and purchase (S&P) cases, I understand the complexities involved in the process. I aim to guide you every step of the way with clear communication, ensuring that all parties are legally represented and protected.
I offer in-depth knowledge in:
Ø Estate Planning and Distribution: Planning for the future can feel daunting. Let’s work together to create a smooth, transparent process that brings peace of mind.
Ø Divorce: Navigating property settlements during a divorce can be challenging. I provide expert guidance to help you achieve a fair and efficient outcome.
Ø And More: From Power of Attorney to navigating financial challenges, I handle various situations to address your concerns and empower you to move forward confidently.
Schedule a Free Consultation Today! Let's discuss how I can assist you in your property journey. For more informative insights, follow our short video here: https://www.youtube.com/@YourSGHomeCompass-MLnU.
Regards
Mike Lim
96929209
R026708F
m52i@yahoo.com
ERA Read More
Hi, appreciate your sharing. Able to do HFE via HDB website to determine the outcome.
Looking forward to assist you at 9696 4398 or email me at stewartlim96964398@gmail.com
Cheers
Stewart-PropNex (Senior Associate Division Director) Read More
Looking forward to assist you at 9696 4398 or email me at stewartlim96964398@gmail.com
Cheers
Stewart-PropNex (Senior Associate Division Director) Read More
Thanks for asking — here’s what you need to know.
Yes, it can be possible to buy a resale HDB flat with your sister-in-law under certain conditions, but there are a few things to consider:
Key Factors:
1. Both of you must be Singapore Citizens or PRs
If you’re both PRs, each must have held PR status for at least 3 years to be eligible for resale flat purchase.
2. You must qualify under HDB’s Public Scheme or Orphans Scheme
Buying with a sister-in-law isn’t a common pairing under HDB’s usual family nucleus rules — you’ll need to check if HDB accepts your relationship for joint purchase. Most times, buying with a sibling is clearer.
3. Single income is allowed
If only you’re working, your income will determine the loan amount and the flat price range you can afford. Your sister-in-law can be listed as an occupier instead of co-applicant if she’s not working.
What you can do next:
• Check your combined eligibility with HDB
• Consider listing her as occupier, and you as sole applicant
• Or explore Single Scheme if you’re 35+ and eligible to buy alone
I can help you assess which route fits your case best and what resale units are within reach based on your loan.
Aren Goh | PropNex | 96576701 Read More
Yes, it can be possible to buy a resale HDB flat with your sister-in-law under certain conditions, but there are a few things to consider:
Key Factors:
1. Both of you must be Singapore Citizens or PRs
If you’re both PRs, each must have held PR status for at least 3 years to be eligible for resale flat purchase.
2. You must qualify under HDB’s Public Scheme or Orphans Scheme
Buying with a sister-in-law isn’t a common pairing under HDB’s usual family nucleus rules — you’ll need to check if HDB accepts your relationship for joint purchase. Most times, buying with a sibling is clearer.
3. Single income is allowed
If only you’re working, your income will determine the loan amount and the flat price range you can afford. Your sister-in-law can be listed as an occupier instead of co-applicant if she’s not working.
What you can do next:
• Check your combined eligibility with HDB
• Consider listing her as occupier, and you as sole applicant
• Or explore Single Scheme if you’re 35+ and eligible to buy alone
I can help you assess which route fits your case best and what resale units are within reach based on your loan.
Aren Goh | PropNex | 96576701 Read More
1. To qualify under HDB’s eligibility rules, **you’ll need to include your brother’s name** in the application—**you and your sister-in-law alone do not form a valid family nucleus**.
WhatsApp me at: ABLE Toh (65) 9856-9255 or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )
(2) (***) ✅✅ You can READ my REVIEWS here:
✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.
(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)
*** You can reach me at my Singapore mobile: (65) 9856 9255 or email me at Able.selling@gmail.com.
***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!
*** Connect Singapore Line: (65) 9856*9255
FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!
NEW Launches Condominium in 2025 , call , whatsapp me FOR BEST CHEAPEST, LOWEST PRICE:
NORTH Region //
N1.Springleaf Residence – Upper Thomson Road, D26 | OCR | ~3 min to Springleaf MRT (TEL)
N2.Artisan 8 – Sin Ming Road, D20 | RCR | ~4 min to Upper Thomson MRT (TEL)
N3.Canberra Crescent Residences – Canberra Crescent, D27 | OCR | ~6 min to Canberra MRT (NSL)
SOUTH Region //
S1.UpperHouse @ Orchard – Orchard Boulevard, D10 | CCR | Direct link to Orchard Boulevard MRT (TEL)
S2.Zion Residences – Zion Road, D9 | CCR | ~4 min to Great World MRT (TEL)
S3.Promenade Peak – Zion Road, D9 | CCR | ~5 min to Havelock MRT (TEL)
S4.Robertson Opus – Unity Street, D9 | CCR | ~7 min to Fort Canning MRT (DTL)
S5.River Green – River Valley Road, D9 | CCR | ~5 min to Great World MRT (TEL)
EAST Region //
E1.Arina East Residences – Tanjong Rhu Road, D15 | RCR | ~3 min to Katong Park MRT (TEL)
E2,Amber House – Amber Gardens, D15 | RCR | ~10 min to Tanjong Katong / Marine Parade MRT (TEL)
E3.Mori @ Guillemard – Guillemard Road, D14 | RCR | ~8 min to Mountbatten MRT (CCL)
WEST Region //
W1.LyndenWoods – Science Park Drive, D5 | RCR | ~5 min to Kent Ridge MRT (CCL)
W2,Bloomsbury Residences – Media Circle, D5 | RCR | ~8 min to one-north MRT (CCL)
W3.Faber Walk GLS – Faber Walk, D5 | RCR | ~10 min to Clementi MRT (EWL)
W4.Elta Condo (Clementi Ave 1) – Clementi Avenue 1, D5 | RCR | ~10 min to Clementi MRT (EWL)
OTHERS / OCR Launches //
O1.One Marina Gardens – Marina Gardens Lane, D1 | CCR | ~2 min to Marina South MRT (TEL)
O2.W Residences Marina View – Marina View, D1 | CCR | ~2 min to Shenton Way MRT (TEL)
O3.Otto Place EC – Plantation Close, D24 | OCR | ~6 min to Tengah Park MRT (JRL)
O4.The SEN – De Souza Avenue, D21 | OCR | ~8 min to Hillview MRT (DTL)
O5.Skye at Holland – Holland Drive, D10 | CCR | ~6 min to Holland Village MRT (CCL)
O6.Margaret Drive GLS – Margaret Drive, D3 | RCR | ~5 min to Queenstown MRT (EWL)
QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial."
2. If you’re a **single Singapore citizen aged 35 or above**, you can buy a **resale HDB flat (including 4-room)** under the **Single Scheme** in your **own name**.
3. In that case, your sister-in-law’s name **does not need to be included** in the application.
“Knowing what must be done does away with fear.” — Rosa Parks Read More
WhatsApp me at: ABLE Toh (65) 9856-9255 or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
(1) "If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )
(2) (***) ✅✅ You can READ my REVIEWS here:
✅✅ https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.
(3) ✅✅ For PRIVATE Home Buyers, I offer solutions for sourcing resale and new PRIVATE homes at ✅✅ ZERO charge (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)
*** You can reach me at my Singapore mobile: (65) 9856 9255 or email me at Able.selling@gmail.com.
***(4) ✅ ✅ ✅ DEVELOPER SALES TEAM!!! BEST PRICES !!! ✅ ✅ NO AGENT FEES !! ✅ ✅ LOWEST PRICE GUARANTEED!!!
*** Connect Singapore Line: (65) 9856*9255
FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!
NEW Launches Condominium in 2025 , call , whatsapp me FOR BEST CHEAPEST, LOWEST PRICE:
NORTH Region //
N1.Springleaf Residence – Upper Thomson Road, D26 | OCR | ~3 min to Springleaf MRT (TEL)
N2.Artisan 8 – Sin Ming Road, D20 | RCR | ~4 min to Upper Thomson MRT (TEL)
N3.Canberra Crescent Residences – Canberra Crescent, D27 | OCR | ~6 min to Canberra MRT (NSL)
SOUTH Region //
S1.UpperHouse @ Orchard – Orchard Boulevard, D10 | CCR | Direct link to Orchard Boulevard MRT (TEL)
S2.Zion Residences – Zion Road, D9 | CCR | ~4 min to Great World MRT (TEL)
S3.Promenade Peak – Zion Road, D9 | CCR | ~5 min to Havelock MRT (TEL)
S4.Robertson Opus – Unity Street, D9 | CCR | ~7 min to Fort Canning MRT (DTL)
S5.River Green – River Valley Road, D9 | CCR | ~5 min to Great World MRT (TEL)
EAST Region //
E1.Arina East Residences – Tanjong Rhu Road, D15 | RCR | ~3 min to Katong Park MRT (TEL)
E2,Amber House – Amber Gardens, D15 | RCR | ~10 min to Tanjong Katong / Marine Parade MRT (TEL)
E3.Mori @ Guillemard – Guillemard Road, D14 | RCR | ~8 min to Mountbatten MRT (CCL)
WEST Region //
W1.LyndenWoods – Science Park Drive, D5 | RCR | ~5 min to Kent Ridge MRT (CCL)
W2,Bloomsbury Residences – Media Circle, D5 | RCR | ~8 min to one-north MRT (CCL)
W3.Faber Walk GLS – Faber Walk, D5 | RCR | ~10 min to Clementi MRT (EWL)
W4.Elta Condo (Clementi Ave 1) – Clementi Avenue 1, D5 | RCR | ~10 min to Clementi MRT (EWL)
OTHERS / OCR Launches //
O1.One Marina Gardens – Marina Gardens Lane, D1 | CCR | ~2 min to Marina South MRT (TEL)
O2.W Residences Marina View – Marina View, D1 | CCR | ~2 min to Shenton Way MRT (TEL)
O3.Otto Place EC – Plantation Close, D24 | OCR | ~6 min to Tengah Park MRT (JRL)
O4.The SEN – De Souza Avenue, D21 | OCR | ~8 min to Hillview MRT (DTL)
O5.Skye at Holland – Holland Drive, D10 | CCR | ~6 min to Holland Village MRT (CCL)
O6.Margaret Drive GLS – Margaret Drive, D3 | RCR | ~5 min to Queenstown MRT (EWL)
QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial."
2. If you’re a **single Singapore citizen aged 35 or above**, you can buy a **resale HDB flat (including 4-room)** under the **Single Scheme** in your **own name**.
3. In that case, your sister-in-law’s name **does not need to be included** in the application.
“Knowing what must be done does away with fear.” — Rosa Parks Read More