AskGuru Q&A Community

1) 2nd timer
2) Yes
3) No

Hope the above helps.

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.

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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

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Hi Jo,

1) The 1st timer or 2nd timer refers to the priority to buy a BTO/SBF. It does not apply to buying a resale flat.
2) It is also referring to receiving subsidies from the government. Bought a BTO/SBF and a resale flat with grants are considered as received subsidies.
3) When you get married, a couple can only own one HDB flat. This is because in the eyes of HDB, a married couple is considered as a single entity. Thus can only own 1 HDB flat.
4) Regardless of whether your flat is under MOP, both of you can only own one HDB flat.
5) To transfer your ownership to your parents, it is not only the eligibility you have to consider.
6) You have to ensure they are financially sound to take over.
7) You may consider to transfer the ownership (not through a sale):
https://www.hdb.gov.sg/residential/living-in-an-hdb-flat/changing-owners-occupiers/change-in-ownership/change-in-flat-ownership
8) You may contact the resale HDB hotline to understand more if the illustration is not clear;
Sales/ Resale Customer Service Line: 1800-866-3066 (weekdays: 8:00am to 5:00pm, off-peak period: Tuesdays to Fridays, 8:00am to 10:00am)

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

Hi,

As you already gotten you first subsidized flat (BTO), you would considered as a 2nd timer.

And yes, either of you and your spouse will have to sell off your flat, be it whether you have met your MOP or not.

Single SPRs will not be able to own a HDB flat without a Singaporean as a co-owner or an essential occupier.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More

Hi, appreciate your sharing
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

Hi,

1) BTO is considered subsidized flat even without any additional grants, so you are considered 2nd timer.

2) Yes either owner has to sell his/her hdb

3) Cannot, sole SPR owner cannot own hdb.

Hope the above clarifies. May I have more info and requirements about your plans so as to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Diamond Achiever

SEAA Salesperson Achievement Award 2021 (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
ERA Top 11th Achiever in June 2020 (Top 1% Company Level)
ERA Top 91th Achiever in 2nd Quarter 2020 (Top 2% Company Level)
ERA Top 15th Achiever in April 2019 (Top 1% Company Level)
ERA Top 86th Achiever in Sept 2019 (Top 2% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
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1st Timer vs. 2nd Timer:

Applies to priority for buying BTO/SBF flats (new flats), not resale flats.

1st timer: Never received CPF housing grants for an HDB flat.

2nd timer: Received CPF housing grants for a previous HDB flat.

Grants and Subsidies:

Buying a BTO/SBF flat with grants counts as receiving subsidies.

Buying a resale flat without grants does not affect your 1st timer status.

Married Couples and HDB Flats:

Married couples can only own one HDB flat combined during the MOP (5 years).

HDB considers a married couple as a single entity for flat ownership.

One of the flats needs to be sold if either spouse already owns an HDB flat within the MOP.

· I am Sorry that This platform does not allow me to direct contact you.

· To further assist you, please feel free to contact me via WhatsApp at 9856 9255  or through this link: https://wa.me/6598569255.

· My services come with no obligations, and I'm here to help with any questions or assistance you need. · You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

· For buyers, I offer solutions for sourcing resale and new private homes at no charge.

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· You can reach me at my Singapore mobile: +65 9856 9255  or email me at Able.selling@gmail.com.

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