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Married couples are regarded as a single entity, which is why one partner must sell one of their units following marriage. Nevertheless, the number of properties owned remains separate. The individual who has sold their HDB will be considered to have a property count of zero. If that individual acquires private property after the remaining HDB has met the Minimum Occupation Period (MOP), no Additional Buyer's Stamp Duty (ABSD) will be due.

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Mike Lim
 96929209 
R026708F
m52i@yahoo.com
ERA Read More

Each eligible family unit can only own 1 HDB flat. 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.

Upon selling off the extra HDB - If the MOP period is satisfied on the remaining flat, and the other party is not listed as co-owner on said flat, that other party could potentially purchase private property without incurring ABSD.

Sounds like you are exploring your options for decoupling and asset progression. I will be happy to walk you through all the policy considerations, tax considerations, market trends, property analysis, financial calculations, price projections and more.

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 offer a free consultation to support clients on their property and asset progression journey.

Feel free to reach out via whatsapp or email.

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

hi,

If the person who sold their HDB flat is not listed as a co-owner or essential occupier in their spouse’s HDB flat, they can purchase a private property under their name without incurring ABSD, as it will be treated as their first residential property.

Hope this helps,

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

Testimonial from Satisfied Clients
-- My husband and I wish to commend the sincere attitude and good customer service rendered by your staff Jenny, who handled the sale of our 5R HDB flat early this year. We have met several agents but none as genuine as Jenny. Being a seller agent, she took our interest at heart in handling the sale, unlike other agents who are self-interest. Jenny is punctual and prompt in the whole dealings and we were convinced that such an agent is hard for find nowadays. Jenny is a trustworthy, honest, sincere and hardworking agent. We are happy with her service and would gladly recommend her to our friends in future. Jenny is an asset to Propnex and the organisation should value her. Thank you Jenny for her efforts--
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--Jenny did a great job helping my wife and I sell our unit. She took active steps to walk our neighbourhood to understand what she was marketing. During the marketing period, she managed potential buyers and provided timely updates and recommendations so we could stay on top of the process. Overall, Jenny was professional and helped us to achieve a positive result which we are very thankful for--
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Yvonne (New launch buyer)

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Samantha (Resale condo buyer) Read More

Hi,

1) HDB categorized a married couple as a single entity. This was why one of the owned HDB has to be disposed even when the HDB flat did not meet MOP.
2) The party who sold his/her HDB flat can buy a private property if the keeping HDB flat has met MOP.
3) Since the party had sold his/her HDB flat and does not own any other residential property. His/Hers property count will remain as zero.
4) Under such situation, he/she will not be subject to any ABSD.
5) The IRAS will only count residential property in Singapore to decide whether the buyer is subject to ABSD.

All the best!

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

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 Read More

Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, there be no ABSD payable in this case.

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Hi, appreciate your sharing. Once married consider as one identity, for 2nd purchase unless you sold off the current HDB and each purchase 1 condo each then no ABSD required.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

After getting married, 1 of the party will need to sell of the HDB, and if MOP of the other retained HDB has been fulfilled, the party who does not own any residential property under his or her name will be able to purchase a private residential property without incurring ABSD.

——

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.

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Hi

Yes one of the HDB units have to be sold after marriage. Once the HDB is sold, that person will no longer have any property count and hence can purchase private property without ABSD.

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
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-- HDB Toa Payoh 5-RM Sellers of Million-Dollar HDB, Mr. & Mrs Leong

We were fortunate to have met Ivan Ng. He was thorough in going through what the complicated home-selling process required of us and more so in understanding what we would like to achieve from the sale of our unit. His responsiveness and assurance, was a trait that we really appreciate. We managed to secure a sale that exceeded our expectation with Ivan’s advises. The offered price for our unit was a record set for the flats in the neighborhood. This was definitely supported by the fact that Ivan’s listing of our unit was detailed and stood out from other listings. Because of this, we also engaged Ivan's service to help us search and buy our new resale home. After some searches and viewings, we managed to secure one at a reasonable price with his help. With Ivan’s cheery and positive demeanour, selling our unit to procuring a new one, was a smooth journey for us. It was a pleasure to have worked with him.

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Hi Sir/Mdm,

If the HDB MOP is already fulfilled, then the party after selling the HDB flat is able to purchase a private property without ABSD.

Please feel free to contact me so that I can understand your situation better and provide you with further assistance.

Regards,
Nick Tan
(M) +65 96 44 48 54
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com

SEAA Salespersons Achievement Platinum Award 2020/2022/2023

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Selling our house was a pretty stressful ordeal, as we have already committed to buying our new home and hence have a timeline to meet. Losing a substantial deposit and worse still, not getting our dream home caused many sleepless nights as we are nearing our deadline. I am very glad we have decided to switch to Nick and seek his help after the dismal performance of our first agent. Not only is Nick very patient in explaining things to us, time and time again he gives us reassurance to allay our worries. And he walked his talk.
With his help, we finally managed to sell our unit at a price within our expectations, before the deadline. Nick’s service is top notch – he is knowledgeable in his field, swift to respond, easy to communicate with and extremely accommodating.
Thank you very much once again Nick, for this smooth transaction!
Judy Rong (Seller) Dec 2023 Read More

Here’s a rephrased and streamlined version in a **succinct point format** with a **different tone and style**, ending with a relevant and reflective quote:

---

1. HDB treats married couples as one family unit—so they can **only own one HDB flat** together, with both spouses listed as either co-owner or occupier.
2. If one spouse sells their HDB flat and is **not a co-owner** of the remaining flat (which has fulfilled its MOP), that person may buy a **private property without ABSD**, as they are counted as owning zero properties.
3. This approach is often part of **decoupling or asset progression strategies**, and I’d be glad to guide you through the full picture—from policies to pricing, taxes, and long-term planning.

**“Opportunities don't happen. You create them.” – Chris Grosser**
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QUOTE OF THE DAY " In negotiations Read More