AskGuru Q&A Community

Assuming that this is a Singapore Citizen household, should the son be eligible to purchase a BTO HDB with the mother as essential occupier, then it is not considered as a single scheme, thus household income will not be based on $7,000.

Both owner and essential occupier will be required to fulfill the 5 years MOP. I am unsure if the son can remove the mother as essential occupier without the consent, but in this instance, where there is such a concern, the mother can also be a co-owner of the BTO in the first place at point of application.

I have been in the real estate business since 2009, with more than 14 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 9,400 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.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Associate Group Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

-----

Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

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

Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore

Pick up knowledge, skills and Real Estate concepts at https://www.facebook.com/RealEstateXcellence/

New Singapore Expatriates on facebook is up and running. Come join us at https://www.facebook.com/groups/newsgexpats/

-----
Landed Dynamic Alliance
Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

My Answer with regards to your Question:

Question 1: If the son exceeds the single ceiling cap of SGD 7,000 but does not exceed the family nucleus ceiling cap of SGD 14,000, he should still be eligible for a housing loan under HDB. This is because the household income ceiling is based on the combined income of all family members listed in the application. As long as the total household income does not exceed the family nucleus ceiling cap, the son should qualify for the housing loan.

Question 2: After the BTO is built and the son and mother move in, assuming the son is now married to a Singapore citizen and they have a daughter together, the son can add the daughter as an essential occupier. However, removing the mother as an essential occupier without her consent may not be straightforward. The essential occupier status is typically agreed upon at the time of application, and changes may require mutual consent or other legal considerations.

In situations where there are concerns about removing an essential occupier without consent, it may be advisable to consider alternative arrangements, such as having the mother listed as a co-owner of the BTO from the outset. This can help address potential issues related to ownership and occupancy rights.

It's important to consult with HDB or a legal advisor to understand the specific requirements and implications of adding or removing essential occupiers from the BTO application. Additionally, seeking guidance from professionals with experience in Singapore real estate, such as yourself, can provide valuable insights and assistance in navigating these matters effectively.

This platform does not allow me to direct contact you.

You can reach me at https://wa.me/6598569255.

I am Happy to Help with No obligations! If you have any more questions or need assistance, FEEL GOOD to let me know. I am here for You! Cheers :)

See my REVIEWS here: (Just need to Copy and Paste the link)

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

Final Note: For BUYERS: SOLUTION for sourcing of RESALE and NEW PRIVATE Home such as Condominium or Landed properties. Represent you as BUYER > Currently there will be NO FEES CHARGED TO YOU/ FREE SERVICE.

Singapore has hovering over 30000 licensed agents for the last 10 years as property agents come and go .And in my opinion, property guru is the most effective marketing platform this season in Singapore

So, what’s the odd / chances that 2 complete strangers get to link together by property guru ?

So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

ABLE Toh-ERA, Singapore Mobile :( +65) 9856 9255  “ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me Read More

Hi, appreciate your sharing. Best to do the HFE to find out the grants and amount of loan given by HDB.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

Hi,

1) When you apply the BTO with your single mum, you are under the Public Scheme.
2) Therefore, the household income will be based on $14k instead of the $7k under the Single Scheme.

3) You do not need to indicate who is the essential occupier after marriage.
4) Once you add your wife and daughter to the occupier list, your wife will be automatically became the essential occupier. You can do your submission via the MYHDB without being physically present at the HDB branch office.
5) The system is set in this way to protect a married woman.
6) Under normal circumstances, there is no difference between an occupier and an essential occupier.
7) It is only when you sell your BTO, only the essential occupier will need to endorse the submitted resale application.
8) And as an essential occupier, she cannot buy any private residential property during the MOP.
9) The MOP won't be reset even when there is a change of essential occupier in the middle of the MOP.
10) If you have yet to shift in and MYHDB is not ready for any amendment. You may send your update via the feedback channel:
https://services2.hdb.gov.sg/webapp/BF12AWFeedback/BF12SFrontController?service=ServiceFeedback&operation=createFeedback

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