Hi,
There are mixture of ideas in your questions. I'll try my best to answer:
1) Transfer your ownership to your mom in current flat. Your mum must has the financial capacity to take over.
2) Financial capacity includes cash, CPF, loan or all of them. If you mum has the financial capacity to takeover you can then perform the transfer dependent on the share you hold.
3) Loan: can be HDB or bank if there are no loan. If there are existing loan; HDB may use HLE or IPA, bank must only use bank.
4) Alternative as mentioned in your question, buy over your mum share. Same conditions as list above except buyer became yourself.
5) As long as your wife is a SC or PR, she can be owner of the new purchase. Foreigner cannot be owner of HDB flat.
6) Do note that legal fee and buyer stamp duty also applied in transfer of ownership.
7) Do approach HDB for assistance as agent cannot be involved in transfering of share.
Hope the above answer to 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
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