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Hi Sir,

In order for your sister to take over the flat as a sole owner, she has to be 35 years old. If she were to take over the flat, the sale proceeds will 100% goes to her in the event of a sale. You may need to consult a lawyer and draft an alternative legal agreement if you want to split the money.

Please feel free to contact me if you need any further clarifications.

Regards,
Nick Tan
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Hi, appreciate your sharing. Able to write in and check with HDB or law firm 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

Good day to you.

If your father has passed away as a widower without leaving a will, his estate will be distributed equally among his children in accordance with the Intestate Succession Act, assuming that the estate is not governed by Muslim law. This means that you and your siblings will share the inheritance equally, with no preference given to one child over another.

If you wish, you have the option to voluntarily renounce your interest in the estate. By doing so, your sister could inherit your share, but she must still meet the eligibility requirements set by the HDB to ensure that she can legally take ownership of the property.

However, it’s important to note that by renouncing your interest, you would automatically forfeit any claims to the sales proceeds from the estate. The HDB strictly prohibits implied trusts and private agreements regarding property ownership, which complicates matters further. Therefore, it is highly advisable to consult with a professional lawyer who can guide you through the legal implications and ensure that all actions taken are in compliance with the relevant laws and regulations. This will help safeguard your intention.

Navigating a property transaction can be complex, especially with major life events. As a seasoned property consultant with 15 years of experience, I provide informed guidance on complex property matters.

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(✔1) For your sister to take over the flat on her own name, she must be at least 35. If the flat is later sold under her sole ownership, all sale proceeds will legally go to her. To split the funds in any other way, you would need proper legal advice and a formally drafted agreement, as HDB can provide only official guidance.

(✔2) If your father passed on without a will and is not governed by Muslim inheritance law, his estate is shared equally among all children under the Intestate Succession Act. You may choose to give up your share, allowing your sister to inherit it, but she must still meet HDB’s conditions before she can take over the flat.

(✔3) Once you renounce your interest, you lose your right to any future proceeds. HDB also does not allow informal or private trust arrangements, so engaging a lawyer is essential to ensure every step complies with the law and protects your intentions.

✔ “The best way to predict your future is to create it.” Abraham Lincoln
WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

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(1) "If you need more assistance with property matters:

like renting / selling, buying / or investing, I'm here to help!

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Your sister needs to be eligible to hold on to the HDB on her own in order to retain the HDB in this case. And you can possibly check the feasibility with the estate lawyer on the proceeds in the event of the sale under such arrangement which you have mentioned that 50% of the proceeds will go to you. Read More

https://www.linkedin.com/pulse/how-to-manage-hdb-inheritance-fairly-when-you-already-mani-rmezc

How-To Manage HDB Inheritance Fairly When You Already Own a Flat? #AskRealtorMani

???? How does HDB inheritance work when there are 2 beneficiaries?

???? Can siblings legally hold an HDB flat together after inheriting it?

???? If one sibling already owns an HDB, can they still inherit another one?

⚖️ How do you let your sister stay in the flat while protecting your 50% share?

???? Do you need a legal agreement stating she must return your portion after selling?

???? What happens if the flat has an outstanding loan or CPF refunds to settle?

???? Can you transfer your inherited share to your sister immediately?

⏳ Will HDB allow your sister to retain the flat as sole owner?

???? How do you ensure your financial rights are protected long-term?

???? What’s the safest, fairest and most practical arrangement for both of you?

Proposal by Mani: 10 Actionable Tips

✅ When your father passes on, HDB will transfer the flat based on the will or intestacy law — both of you inherit 50%.

???? You can choose NOT to retain ownership and transfer your 50% share fully to your sister — with legal documentation.

???? HDB will allow your sister to be the sole owner if she is eligible (citizenship, age, family nucleus, no ownership conflicts).

???? To protect your interest, your lawyer can draft a private family agreement stating she must return your 50% share when she sells the flat.

???? This agreement is legally binding and enforceable — even after many years.

???? Alternatively, your sister can “buy over” your half using CPF or cash (even symbolically), and you can waive payment until she sells.

⚖️ If there’s CPF used by your father, refunds must be settled before transfer — check this early.

???? You cannot co-own the inherited HDB if you already own another flat — this is why transferring your share is important.

???? Discuss timelines and future scenarios now — e.g., if she marries, moves out, or buys her own property.

???? A clear legal agreement + clean transfer = no family conflict + your financial rights protected.

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There are 3 stages to here - the current ownership structure, the ownership in the event of death, and the ownership in the event of a sale.

As my colleagues have pointed out, there is a 'default' way that things go if you do not have anything in writing, and it will simply follow the law or prevailing HDB policies.

Nevertheless, the end outcome you are hoping to achieve is technically possible. Happy to have a further conversation on what you may wish to do now in preparation for the future if you'd like. Feel free to reach out below.

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

You can arrange it, but it needs to be handled in the right legal structure so things don’t get messy later.

After your dad’s passing, if the flat is inherited by both of you in equal shares, HDB will usually require the flat to be transferred into a valid ownership structure. Since you already own a property, you can’t just “give up” your share informally. What usually happens is one of these:

1. Transfer your share to your sister
She becomes the sole owner.
Separately, both of you sign a private legal agreement stating that when she eventually sells, she returns your 50 percent share of the proceeds to you.
This is the cleanest way for her to stay in the flat while protecting your interest.

2. Keep the joint inheritance and let her stay
Possible, but it’s messier. You’d still be a co-owner of an HDB while owning your own flat, which may trigger HDB rules and affect both properties. Not ideal.

For what you want — she keeps the home for as long as she needs, and you still get your rightful share later — most families go with Option 1 and get a lawyer to draft the agreement.

If you want, I can help you check what options apply for your case and link you to solicitors who handle these inheritance-related transfers often.

Aren Goh | PropNex
???? 9657 6701  Read More

(✔1) For your sister to take over the flat on her own name, she must be at least 35. If the flat is later sold under her sole ownership, all sale proceeds will legally go to her. To split the funds in any other way, you would need proper legal advice and a formally drafted agreement, as HDB can provide only official guidance.

(✔2) If your father passed on without a will and is not governed by Muslim inheritance law, his estate is shared equally among all children under the Intestate Succession Act. You may choose to give up your share, allowing your sister to inherit it, but she must still meet HDB’s conditions before she can take over the flat.

(✔3) Once you renounce your interest, you lose your right to any future proceeds. HDB also does not allow informal or private trust arrangements, so engaging a lawyer is essential to ensure every step complies with the law and protects your intentions.

✔ “The best way to predict your future is to create it.” Abraham Lincoln
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) Read More

Hi,

1) There were no free and cheap ways to protect your interest in a property; even if this is an HDB flat.
2) Once your dad passed without will, the HDB flat will be equally distruted according to Intestate Succession Act in your situation; i.e. if spouse already passed, the children will receive equal shares.
3) Since you are not allowed to own 2 HDB flats at the same time, you will have to give up your ownership.
4) The easiest way is to do a part-share selling to your sister provided she is eligible to keep it under the current eligibility scheme.
This is cleanest and no back-fire method.
5) The other such as drafting a legal agreement by a lawyer that half of the sales proceeds belongs to you once it is sold at a later stage.
6) The add on would be you will still own 50% shares of the flat after your sister passed on, regardless of any will written to leave to her intent beneficiary.
7) (5) & (6) will protect your interest even after there is a change in your sister's marital status & family structure.
8) It is important that you discuss with a family lawyer to have a agreement properly draft and could withstand challenges in court.
9) The HDB will only care that the person keeping the flat fit the conditions listed under one the eligibility schemes.
10) The HDB will NOT care how the shares are distribute when the flat is sold. They will only ensure only the legal owner(s) name(s) (listed under the HDB portal) are printed on the cashier order.
11) Thus, you and/or your sister will have to pay for the private legal service on the private legal agreement for this.

All The Best!!!

Hope the above answer to your main concerns, but if there are more query, 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

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

----------------------------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 

***(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: Read More