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The fastest way to find out about eligibility accurately is to apply for HFE proper. It is free and non-obligatory.

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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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Geryl Lim
Senior Division Associate 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 
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Hi

Is your mother a widow or a divorcee? If so, your sister with her child, and your mum, can jointly form a 3Gen multi-family nucleus to purchase 3Gen flat. Buying in the resale market should not be an issue, but if you are getting brand new BTO from HDB, there are eligibility conditions such as income ceiling as well as not more than 2 times subsidized property owned by the applicants to fulfill.

If I am not wrong, you should be able to be added as co-owner as well, once after their names are all added. To confirm the eligiblity, the best way is still via the HFE letter where all your names are added as applicants and/or essential occupiers.

Alternatively you might want to consider resale 5-room also, where there are less eligibility conditions to fulfill, you still might be able to get the proximity housing grant, and plus the resale criteria is less stringent (need not sell to multi-gen family again) after MOP. I have sold a 3Gen flat before and it takes a longer time due to the need to find 3Gen family buyers.

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
ERA Multiple Diamond Award Achiever

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

ERA Top 11th Achiever in Feb 2024 (Top 1% Company Level)
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ERA Top 11th Achiever in June 2020 (Top 1% Company Level)

SMU BBM (Finance), Magna Cum Laude
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-- HDB Jurong West 5-RM Sellers, Exec Apartment Purchasers, Lenz & Michelle --

We would like to thank you for ensuring a smooth and well-explained process throughout the whole selling and buying of our property. We got to know you thru Property Guru, where we are scouting for condo around West area. We remember that we are quite tight in our budget in purchasing the condo unit,but you are still very willingly explaining and calculating our financial liabilities. You are always having your smiles whenever we met for discussion.

We appreciated your process of selling and buying of our property are very systematically and well executed, from financial calculation to the purchase procedure of our new house. We are always being updated thru our group chat during the engagement of your service.

We would never expect such a smooth sailing experience of selling and buying of property. Your professionalism in work will definitely be remembered and rewarded. All the best in your property venture!

-- HDB Choa Chu Kang BTO 4-RM Sellers, 5-RM Purchasers, Zima & Faizal --

Ivan was prompt in replying to my endless queries & concerns. He was very attentive to details and he knows my exact 'taste' during the process of house hunting. I would say that my requirement in getting a flat is quite high because i was looking for a flat located near my parent's as well as the MRT station. It impressed me that he could read my mind well which makes the whole transaction alot easier. I also love the fact that he is calm, not pushy & always ensuring me that there are still sufficient time to look out for other available houses. We are so thankful beyond words for his understandi Read More

Good day to you,

Your sister, being an SC with custody of her child, constitutes a second-generation family. If your mother is a divorcee or widow and does not own any residential properties, including her as the essential occupier would create a third-generation family.

Your inclusion as a co-owner will not impact the Multi-Generation Families scheme requirements. However, your income will be considered for the housing loan assessment. Submitting the HFE for approval will ultimately provide you with the necessary figures to plan next steps effectively.

I am ready to assist you in securing the dream home.

Navigate Property Decisions with Confidence

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.

I offer in-depth knowledge in:
Ø Estate Planning and Distribution: Planning for the future can feel daunting. Let’s work together to create a smooth, transparent process that brings peace of mind.
Ø Divorce: Navigating property settlements during a divorce can be challenging. I provide expert guidance to help you achieve a fair and efficient outcome.
Ø And More: From Power of Attorney to navigating financial challenges, I handle various situations to address your concerns and empower you to move forward confidently.

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

hi,

Your sister and her child, along with your mom (if she is a divorcee or widow), should be eligible to get for a 3Gen flat. I recommend starting by submitting the HFE (Home Financing Eligibility) application to check their eligibility, potential grant amount, loan amount, and other key details.

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

1. If your mother is widowed or divorced, she and your sister (with her child) can form a three-generation (3Gen) family nucleus to apply for a 3Gen flat.
2. Buying a resale flat poses fewer restrictions, while a brand new BTO has conditions like income ceiling and limits on previous subsidized property ownership.
3. You can likely be added as a co-owner without affecting the 3Gen eligibility, but your income will be factored into the loan assessment; submitting a Housing Flat Eligibility (HFE) application will give the most accurate confirmation.

As Abraham Lincoln said, "Give me six hours to chop down a tree and I will spend the first four sharpening the axe."
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