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"Me and my ex already paid down payment to bto, TOP Q2 2027. Got the bto using proximity scheme. The" Asked by terence wong on Dec 29, 2025
Able S.K Toh
Able S.K Toh
Answered on Jan 02, 2026
(1) HDB’s guidelines are firm. Once the application is submitted, changing or replacing applicants is generally not allowed. Any exception requires a formal appeal, and approval is not guaranteed. (2) Getting married during the Minimum Occupation Period is allowed. Marriage itself does not breach HDB rules. (3) If your partner already owns a BTO flat, she must make a clear choice. She cannot keep that flat and proceed with marriage under another BTO at the same time. (4) If uncertainty over housing is influencing marriage decisions, it may be worth reflecting on how secure and committed the relationship truly is. (5) Giving up a BTO during MOP can trigger penalties. This may affect future eligibility, including becoming a co-applicant later, as multiple HDB conditions could be violated. (6) The safest approach is to consult HDB directly on each issue. Flat ownership cannot be transferred or rearranged casually, and every case is assessed strictly. Summary: HDB policies are structured, inflexible, and consequence-based. Major life decisions should be aligned carefully with these rules to avoid long-term limitations. “Wise men speak because they have something to say; fools because they have to say something.” — Plato -----------------------99Years------------------------999Years---------------------->>> IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help. WhatsApp me at ✔✔ ABLE TOH (65) 9856-9255 or via this link: https://wa.me/6598569255 Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp. ✔✔✔You can READ my REVIEWS here:Able S K Toh https://www.propertyguru.com.sg/agent/able-s-k-toh-61591 For PRIVATE HOME BUYERS ✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge ✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents DEVELOPER SALES TEAM ✔✔ BEST PRICES ✔✔ NO AGENT FEES ✔✔ LOWEST PRICE GUARANTEED For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly. ✔✔ Connect Singapore Line (ABLE TOH): (65) 9856-9255 ✔✔ WhatsApp: https://wa.me/6598569255 ✔✔ Email: Able.selling@gmail.com ---///------ CHINESE VERSION // 中文版本 如需房产相关协助, 包括出租、出售、购买或投资, 欢迎联系我。 ✔✔ ABLE TOH/ 诗强(65)9856-9255 WhatsApp:https://wa.me/6598569255 ✔✔✔查看我的客户评价: Able S K Toh https://www.propertyguru.com.sg/agent/able-s-k-toh-61591 私人住宅买家服务 ✔✔ 协助转售及新私人住宅 ✔✔ 买家无需中介费 发展商销售团队 ✔✔ 最优惠价格 ✔✔ 无中介费 ✔✔ 保证最低价 新推出私人公寓资料、电子手册、户型图及价格表, 欢迎随时联系。 ✔✔ 新加坡联系号码(ABLE TOH)/ 诗强:(65)9856-9255 ✔✔ 电子邮箱:Able.selling@gmail.com --------------- 结束 / The END ------------------
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9 Answers in HDB Questions
"I am writing to seek clarification and advice regarding my HDB flat and future housing arrangements" Asked by Izzy Iz on Jan 07, 2026
Mani Subramanian Veeramani
Mani Subramanian Veeramani
Answered on Jan 09, 2026
https://www.linkedin.com/pulse/how-to-ensure-your-elderly-mother-isnt-left-homeless-mani-ashoc How-To Ensure Your Elderly Mother Isn’t Left Homeless? #AskRealtorMani How-To understand why “authorised occupier” does not automatically mean “can stay permanently” after the owner passes away How-To plan for the fact that the flat becomes part of the estate the moment a sole owner passes on How-To avoid assuming that a will alone can guarantee who keeps an HDB flat How-To understand why CPF nomination and HDB ownership are two separate systems How-To anticipate what happens if beneficiaries are not eligible to retain an HDB flat How-To reduce the risk of a forced-sale outcome when no eligible owner can take over How-To think through Muslim estate distribution realities without relying on assumptions How-To decide whether to restructure ownership while you are alive (instead of leaving it to estate administration) How-To build a Plan B housing strategy for your mother even if the flat cannot be retained How-To create a clear, family-aligned action plan that protects housing continuity and reduces future disputes Are you struggling to find affordable housing properties? Check out the "Cheap, Cheaper, and Cheapest Housing Properties" list now ???? https://linktr.ee/AskRealtorMani Selling your property is tougher than ever before? Serious buyers are ready to pay top dollar and find out how much your home is worth. Free Valuation Report ???? http://wa.me/6583004411 Download my 10 eBooks. Essential Real Estate Guides To Avoid Mistakes, and Solve Problems! ???? https://www.privyr.com/t/re-are-you-making-these-mistakes-are-you-facing-these-problems-avoid-mistakes-solve-problems-download-now-all-the-10-ebooks/2eATS3bW ???? Mani Your Family Realtor, Top 1% Real Estate Voice on LinkedIn, Singapore Connect with me, subscribe to my LinkedIn newsletter with 1000+ Property problems solved. https://www.linkedin.com/build-relation/newsletter-follow?entityUrn=7150850986155106304
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6 Answers in General Questions
"What is the length of the swimming pool in metres?" Asked by Matthew Bull on Dec 30, 2025
Able S.K Toh
Able S.K Toh
Answered on Jan 02, 2026
Condo swim pool Length vary by project, so direct confirmation from the MCST is always the most reliable step. “Details make perfection, and perfection is not a detail.” — Leonardo da Vinci Condo regulations vary by project, so direct confirmation from the MCST is always the most reliable step. “Details make perfection, and perfection is not a detail.” — Leonardo da Vinci WhatsApp me at >> ✔✔9856 9255 or through this link.:https://wa.me/6598569255. -----------------------99Years------------------------999Years---------------------->>> IF YOU NEED more assistance with PROPERTY matters such as RENTING, SELLING, BUYING, or INVESTING, I’m here to help. WhatsApp me at ✔✔ ABLE TOH (65) 9856-9255 , Property Agent (Director ) or via this link: https://wa.me/6598569255 Unfortunately, this platform does not allow direct contact, but you can easily reach me on WhatsApp. ✔✔✔You can READ my REVIEWS here:Able S K Toh https://www.propertyguru.com.sg/agent/able-s-k-toh-61591 For PRIVATE HOME BUYERS ✔✔ I offer solutions for sourcing resale and new PRIVATE homes at ZERO charge ✔✔ Most PRIVATE seller agents are willing to share commission with buyer agents DEVELOPER SALES TEAM ✔✔ BEST PRICES ✔✔ NO AGENT FEES ✔✔ LOWEST PRICE GUARANTEED For UPDATED INFO, E BROCHURE, FLOOR PLAN, and PRICE LIST for New Launches Condominium in Singapore, contact me directly. ✔✔ Connect Singapore Line (ABLE TOH): (65) 9856-9255, Property Agent (Director ) ✔✔ WhatsApp: https://wa.me/6598569255 ✔✔ Email: Able.selling@gmail.com
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9 Answers in Condo Questions
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