5 Answers

Ivan Ng

You can't list her as an occupier, if not she has to remove ownership from her current flat and/or sell the current flat. If you are purchasing on single scheme, you need not add her name in as long as you are 35 and above single SC.

May I understand your plans further so to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,
(ASk Anything Property)
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  • QY
    If I list her as occupier, I can apply for proximity housing grant. And the fact is she will stay with me too. By your reply, it means I wont be eligible for the grant as long as she still has ownership of the flat with my father and sis right? Thanks.
Geryl Lim
Dear buyer,

Your mum will have to remove her ownership from the current place in order to be listed as an occupier for your place. May I understand what is your rationale for such a proposal?

Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

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Geryl LIM
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  • QY
    If I list her as occupier, I can apply for proximity housing grant. And the fact is she will stay with me too. By your reply, it means I wont be eligible for the grant as long as she still has ownership of the flat with my father and sis right? Thanks.
Nick Tan

If you are above the age of 35, you can buy a HDB flat alone. Listing your mum as an occupier is not possible unless you mum intends to sell off her HDB flat.

Please feel free to contact me if you have further queries!

Nick Tan
(M) +65 9644 4854
(E) nick96444854@gmail.com
(W) www.nick-tan.com

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“Nick is a responsible, efficient and excellent salesperson. He has very good knowledge of the real estate market and I benefitted a lot from his advice and sharing. He is extremely patient when guiding me through the buying process and I am happy to secure a dream house within my budget with his assistance. A highly recommended salesperson who made my house hunting journey a breeze.”
Ms Chia (Buyer)

“Nick provides a delightful customer experience from day one when I engage him as my agent to look for a flat of my choice to the completion of the deal. He is competent, resourceful and has a pleasant manner to work with. He is the Agent of my choice in dealing with properties and I would highly recommend him to others who would appreciate an agent that takes care and can give the customer a peaceful mind.”
Susana (Buyer)

“Nick is very pro-active in helping us to resolve whatever questions and problems that we encountered. All the issues are settled even before us having to request or ask for a second time. He was very frank and transparent with all the details, limitations and advantages that we wouldn’t have known. I think this is the most important virtue to be successful in this line. I will surely recommend him to anyone who needs his service because I trust that they will be equally satisfied!!”
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We are very happy and satisfied with his services and will definitely recommend him to our friends and family in the future.”
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Sophia Ng

I'm afraid it is not possible for you to apply for the proximity housing grant in this scenario unless your mum wants to give up ownership of her existing flat. Would you need a committed agent on sourcing your ideal flat, negotiating the best possible price, and ensuring the entire process is hassle free for you? Please feel free to get in touch with me anytime at 9225 4321.

Warmest Regards,
Sophia Ng
ERA Realty Network Pte Ltd
Mobile: +65 9225 4321
Website: www.sophia-ng.com
E-mail: sophiangsy@era.com.sg Read More


YT Tan (陈永达)
Good evening buyer,

As your parents are married and considered single entity, it wont be possible for her to withdraw her ownership from existing property and be the essential occupier for your purchase. Under current HDB regulations, decoupling is not allowed. By doing so, they have to sell off their existing HDB.

You might have to make do with the singles grant if you are eligible.

Hope my explanation helps!

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YT TAN 陈永达 | ACCA Graduate, RES
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Propnex Realty Pte Ltd
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