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You may purchase a HDB or BTO as a sole owner, with your wife as essential occupier if your household meets all other eligibility criteria.

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As a married couple is considered as a family unit, both husband and wife can therefore own only 1 HDB flat at any one time, and will need to be listed as a co-owner or occupier in the same flat.

If your spouse has been included as an occupier of your flat, he or she will be deemed as an essential occupier of your flat and both of you are required to fulfil the requisite Minimum Occupation Period (MOP). This MOP will apply to renting out of the flat, acquiring an interest in private property and selling the flat, subject to meeting the eligibility conditions.

It sounds like you are planning ahead for decoupling, asset progression and asset management for potentially owning multiple properties under different names.

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 your options so you can make the correct moves at this stage of your property journey.

Kay Cloud
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Propnex Realty Pte Ltd
cloud@propnex.com
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Whatsapp -> https://wa.me/6585674585 Read More

Hi

Unfortunately no, HDB sees both you and your legal spouse as a family nucleus entity, which means you cannot apply hdb on your own, and have to include his or her name. This means he or she has to sell away the property as well.

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

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Hi, appreciate your sharing. Yes you can as your spouse is under occupant.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

1. **Single-Ownership with Spouse as Occupier** – You can buy an HDB/BTO under your name alone, but your spouse must be listed as an essential occupier. The family unit (both of you) can own only one HDB flat at a time.

2. **Minimum Occupation Period (MOP) Rules Apply** – Once your spouse is registered as an occupier, the MOP restrictions bind both of you. This affects renting out the flat, buying private property, or selling before fulfilling the MOP.

3. **No Dual Ownership Allowed** – Even if only one spouse owns the flat legally, the other cannot separately own another HDB or private property without first meeting HDB’s eligibility and disposal rules.

*"A house is not a home unless it contains food and fire for the mind as well as the body."* – Benjamin Franklin

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Hi, thanks for your question.

If you’re legally married, you cannot apply for a HDB BTO or resale flat as a single applicant. HDB requires married couples to apply jointly under the Public Scheme or other relevant schemes. Single applications are only allowed for those who are unmarried, divorced, or widowed.

If neither you nor your spouse own any HDB flat currently, you should apply together as a couple to be eligible for BTO or resale grants.

If you need guidance on the application process or options available, feel free to reach out. I’m Aren from PropNex, contactable at 9657 6701  . Happy to help. Read More

Hi,

1) You may apply for BTO or buy a resale HDB alone.
2) But, your spouse's name must be filled in the application.
3) The HDB categorized a married as a single entity. Your application wouldn't be complete without your spouse particulars.
4) Your spouse can be a core occupier and not an owner, but he/she must be aware and support your action.
5) He/She will need to comply to all the same obligations listed by the HDB as an owner.

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://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer

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