Asked by Anonymous Tan
My situation is that I have a BTO originally applied for in 2019 (key collection sometime around 3Q-2023, so MOP likely to run till 3Q-2028) but I had broken up with my ex-girlfriend (with whom i applied the BTO with) about one year ago. We tried to substitute my current girlfriend for my ex-girlfriend but HDB rejected this as our combined income was deemed to be too high based on the applicable 2019 ceiling ($12k).
Now, we are considering the option of substituting my dad's name for my ex-girlfriend's and this is something HDB has indicated that they can consider (and they've allowed in the past before). However, my dad would have to sell his current flat within 6 months from key collection.
One issue is that my current girlfriend is not so keen on staying with an in-law, especially in the first few years of marriage. As such, one option we are considering is to let my dad stay in the BTO until at least MOP (his name will probably be included as an essential occupier) and me and my girlfriend (subsequently wife, hopefully) will buy our own EITHER resale HDB (but this will be subject to HDB's special permission of course because i understand the general rule is I shouldn't have my name in 2 HDBs - does anyone know of cases where this has been allowed? anecdotally i heard of one but not sure how reliable...) or a private condo.
Just wondering, if my future wife (current girlfriend) buys private condo right before we get married (I'll have to provide financial backing of course, and her income must be high enough to support a reasonable loan amount), what happens when we are subsequently required (after marrying), to add her name to the HDB (BTO) flat I would have with my dad? From my conversations with the HDB officer in-charge of my BTO, they mentioned that upon marriage, it is a *requirement* to add my spouse either as an owner or occupier of the existing flat. But what if she holds the private property already? Based on HDB's website on "change of occupiers", seems like we wouldn't be able to add someone as an occupier if within the MOP period, they own an interest in private property.
Also, more generally, what happens when you add somebody as an occupier during the MOP period. Does the MOP period get extended?
Thank you very much!
Now, we are considering the option of substituting my dad's name for my ex-girlfriend's and this is something HDB has indicated that they can consider (and they've allowed in the past before). However, my dad would have to sell his current flat within 6 months from key collection.
One issue is that my current girlfriend is not so keen on staying with an in-law, especially in the first few years of marriage. As such, one option we are considering is to let my dad stay in the BTO until at least MOP (his name will probably be included as an essential occupier) and me and my girlfriend (subsequently wife, hopefully) will buy our own EITHER resale HDB (but this will be subject to HDB's special permission of course because i understand the general rule is I shouldn't have my name in 2 HDBs - does anyone know of cases where this has been allowed? anecdotally i heard of one but not sure how reliable...) or a private condo.
Just wondering, if my future wife (current girlfriend) buys private condo right before we get married (I'll have to provide financial backing of course, and her income must be high enough to support a reasonable loan amount), what happens when we are subsequently required (after marrying), to add her name to the HDB (BTO) flat I would have with my dad? From my conversations with the HDB officer in-charge of my BTO, they mentioned that upon marriage, it is a *requirement* to add my spouse either as an owner or occupier of the existing flat. But what if she holds the private property already? Based on HDB's website on "change of occupiers", seems like we wouldn't be able to add someone as an occupier if within the MOP period, they own an interest in private property.
Also, more generally, what happens when you add somebody as an occupier during the MOP period. Does the MOP period get extended?
Thank you very much!
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Thanks for your reply. Can I check if you are very sure / have come across a recent case where the girlfriend purchased a private property (eg condo) right before marriage and subsequently got married to someone who owns a BTO/new flat still within the MOP period and HDB did not require the girlfriend to dispose of the private property (condo)? Seems to be getting some conflicting replies from the "Team PropertyGuru" response.
Is it a requirement (from HDB) that the girlfriend who gets married to someone who currently owns a BTO flat with his dad (within MOP) to be added as an owner or occupier of the BTO? If so, what about the requirement for such occupiers/owners not to own a private property prior to being added to such a flat (which is still within MOP)?
Thank you!