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Hi

I assume both your MOP of 5 years of the HDBs are fulfilled. Once married, HDB will recognize both of you as a married entity nucleus, and will require you guys to sell one of the HDB as each household can only keep one HDB unit at any one point of time.

The individual selling the hdb would have his or her name freed up to buy private property without ABSD, since he or she will no longer have property count. So the optimal approach would be this, assuming you guys plan to have one HDB and one condo after marriage.

If you do a joint name purchase for the private property, ABSD of 20% will kick in so its not recommended.

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.

-- HDB Yishun BTO 5-RM Sellers, Private Property Upgraders Mr. & Mrs. Koh --

I would like to express my appreciation to Ivan Ng for his excellent work. Ivan is a dedicated, client-focused, patient and sincere agent. Throughout the whole process of selling and looking for our next property, he has always acted very professionally that makes my wife and I feel at ease and assured. Ivan is not a pushy and hard sales agent. Ivan listens and understands our needs and carefully guided us through. We are fortunate to have Ivan as our agent. Thank you Ivan. Read More

One of you will be required to sell the existing HDB upon getting married. If you decide to purchase a private after that, you can look into purchasing a private property under single name that do not own the HDB in order not to incur ABSD. If you are considering getting an EC, you will need to look at the eligibility criteria in terms of income, and will likely incur resale levy for the purchase if existing HDBs are BTO or subsidized.

——

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.

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.

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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, upon marriage both of you can only pick one to keep and will have to dispose off the other flat.

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

Good day to you,

Married couples are considered as an entity. Every entity is eligible to own one HDB unit. After getting married, you will need to decide which unit to keep.
Hence, the intention of securing a BTO or EC, yet keeping the existing unit, is not viable.

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With over 15 years of experience in Singapore's residential property sales and purchase (S&P) cases, I understand the complexities involved in the process. I aim to guide you every step of the way with clear communication, ensuring that all parties are legally represented and protected.

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Schedule a Free Consultation Today! Let's discuss how I can assist you in your property journey. For more informative insights, follow our short video here: https://www.youtube.com/@YourSGHomeCompass-MLnU.

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

Hihi

I am Joey from ERA and I am happy to answer your concerns.

Upon marriage, either one of you will be required to sell the existing HDB because 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.

Thereafter, should both of you decide to purchase a joint EC / private condo under both names, there will be ABSD of 20% if one of you still keep the HDB. Ideally, the one who has sold the HDB and has no property now, can purchase EC or private condo under his/her sole name without ABSD. Otherwise, both of you can decide to sell the HDB to purchase a joint EC or private condo under both your names.

Yes there is grant if you are buying an EC but this is subjected to the eligibility criteria such as income. You can refer to https://www.hdb.gov.sg/residential/buying-a-flat/executive-condominium/cpf-housing-grants. In addition, you also need to incur resale levy for the purchase if your existing HDB is subsidized.

Should you require assistance in buying, selling, renting or investing of properties in Singapore, you can contact me for a non obligatory discussion. I am an active & experienced agent and have assisted many happy sellers in their sales of houses for the past 15 years with GOOD track record. Happy to help.

Ong Joey (CES, BBM[SMU])
Senior Marketing Director, ERA Realty Network Pte Ltd
CEA Reg. No: R011492A
Email: joeyongproperty@gmail.com Contact | (+65) 9436 5945 
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“We'd like to thank you …for assisting with the sale of our previous flat and purchase of our current home. You have kept us regularly updated throughout the process and demonstrated integrity during negotiations and final transactions. You have basically earned our trust as truly hard-working, diligent property agents. Would gladly recommend you to others. Wishing you all the best in your future endeavours. “ Mr Nathan

“It has been our pleasure working with you for the disposal of our flat. You have put in the effort more than what you should have in helping us manage the buyers especially the Tan family.
We did also see the assistance you've provided to the Tan family where they were not represented by any agents and we've been impressed by your professionalism & not to mention the time you've taken to travel, at the buyers request, etc, etc.
We appreciate your efforts and wishing you both prosperity as we usher into the year of the Snake.
Thank you” Ms Karen Read More

Hi,

After marriage, HDB considers both husband and wife as a single entity. As a household, you are only allowed to own one HDB property. This means that one of you will need to dispose of your HDB flat if both currently own one.

If you are selling your flat and your partner is keeping his/her HDB, your name would be free to purchase a private property without incurring Additional Buyer’s Stamp Duty (ABSD), since you would not own any property at that point.

However, if you both choose to buy a private property jointly, the purchase would be considered a second property, and you would be subject to 20% ABSD under current regulations.

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--
Mr and Mrs Soo (HDB seller)

--Jenny is very committed and responsive to her clients and she has spent hours updating them and looking out for great deals and even tailor-made property proposal geared towards their needs. Will certainly refer her to others and will definitely approach her again in her future--
Nick and Kim (New launch buyer)

--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--
Aaron ( HDB seller)

--Jenny was very passionate and went the extra miles to help. Thanks to her professional advice and recommendations, I had finally found my dream home--
Yvonne (New launch buyer)

--Appreciate Jenny's clear and prompt communication style with us and other stakeholders. She was also patient and client-centered throughout the process of finding a home that met our criteria. As a first-time home buyer, we appreciate how she went out of her way to explain the process and answer questions we had--
Samantha (Resale condo buyer) Read More

Hi do contact me at 97970200  to understand more and discuss

Mark, your RIGHT choice
Propnex Read More

Hi,

If both HDB flats were purchased before your marriage and have both reached the 5 years MOP, you can try appealing to HDB to allow you to keep both flats.

If not, HDB will require you to sell one of the flats since a married couple is considered a s a single family nucleus and is only allow to hold on to 1 HDB flat collectively.

If you are selling one of the flat, I would suggest the party who sold the flat to purchase a resale EC or a private condo. In this case, you both can reside in one property and rent out the other to enjoy some passive income.

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

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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Testimonial from my Clients
Nick is THE absolute best agent, guide to navigating the property market in Singapore. From selling to buying, he manages to get the absolute highest when selling and negotiators to the absolute lowest when purchasing. (So double win for me!). In fact, I bought my new home at the absolute lowest transaction across all the transacting homes. Most agents would just give vanilla advice, he puts scrutiny into every potential choice we were making by advising potential gains, rental yields, back up plans. I think we went through a whole list of more than 20 + before narrowing down to a few high potential properties! Super responsive to our questions and handheld us through the process and even answered questions in the middle of the night. Would absolutely recommend working with Nick for anyone looking to buy, sell or just advice!
Kenneth (Seller and Buyer) Jan 2025

Nick was introduced to me by a friend who learned that my previous property agent wasn’t meeting my expectations. During our first phone call, Nick quickly grasped my concerns and provided a detailed financial plan the next day. Since switching to Nick, selling my house has been much more relaxed. His virtual tour and informative fact sheet eliminated the need for my family and me to be constantly present for viewings by unsuitable buyers.
Nick was invaluable in purchasing my next property. He sourced units within my budget and analysed price trends of condo projects I was interested in. With Nick’s assistance, the buying process was seamless, and he expertly coordinated the sale of my current unit with the purchase of the next. Kudos to Nick for his outstanding service and advice!
Eileen Chen (Seller) June 2024

During Nick’s presentation to us, he showed confidence and resourcefulness. He showed us his various methods of reaching out to potential buyers instead of just relying on Propertyguru. He also saw the potential of our home to sell at our projected price. Where other agents deem impossible to achieve, he did his analysis and deems it reasonable and achievable. Nick proves trustworthy. From time to time, Nick will update us on the progress and on any viewing. He will filter buyers who could not meet our asking price and provide update and advice on the offers. We are grateful that he helps us to negotiate for a good price for our home. In summary, Nick is dedicated, resourceful, trustworthy and willing to take challenges.
Sunny Ng (Seller) April 2024

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 tim Read More

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

Hi,

1) Only one of the HDB flats bought can be kept as a matrimonial home. The other flat has to be sold as a married couple is considered as a single entity by the HDB, so can only own 1 HDB flat.
2) One of you remain as the owner, and the other as the core occupier. If the flat has met the MOP, the core occupier can buy a resale EC or private condo for investment.
3) Therefore, the one having a higher income is encourage to sell his/her flat to free up the funds and name for the investment property.
4) The other option is to sell both flats and buy a bigger flat such as a jumbo flat/EC/private condo.
5) The current grants are only availble for 5-rm and smaller flat, and, new EC.
6) There are no grants for Jumbo flat, resale EC and private condo.
7) If both the flats are not BTO/SBF or a resale flat with grant. You will be able to apply for a grant for a resale flat; 5-rm and smaller.
8) If one of the flats is a BTO/SBF or a resale flat with grant. You will be only entitled to half grant.

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

1. **MOP Fulfillment:** Once your 5-year Minimum Occupation Period (MOP) is fulfilled, you can retain your HDB and jointly purchase a private property with your wife.

2. **ABSD Considerations:** If you purchase the private property jointly, the Additional Buyer’s Stamp Duty (ABSD) of 20% will apply to your portion, as it will be your second property. However, if your wife buys the property under her sole name, no ABSD will apply, as she doesn’t own any property.

3. **Financing:** The feasibility of purchasing depends on your wife’s financial situation and income, especially if she requires a loan. I can assist with the calculations to determine the most viable option.

4. **HDB vs. EC:** If you intend to keep your current HDB, it’s unnecessary to purchase another HDB or new EC, as you’ll eventually need to sell your current flat.

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