(✔1) Transferring the HDB fully into your sole name is generally not allowed. HDB usually requires a family nucleus to retain the flat, and ownership transfers are typically approved only for special situations such as divorce, death, or financial hardship.
(✔2) As the flat is over 40 years old, its remaining lease will continue to decline, which may make it harder to sell at a strong price in the future.
(✔3) Selling the HDB could be a practical option. It frees up your name to buy a private property as your first property and avoids paying the 20% ABSD.
(✔4) Avoiding ABSD helps preserve your investment returns and provides greater flexibility for future property planning.
Answers:
A transfer of ownership is unlikely under normal circumstances. Selling the ageing HDB may be the more practical choice to avoid ABSD and improve your long-term property strategy.
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