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Hi there, this is actually a multi-part question.
Current situation. you are holding two properties, one of which with your wife as joint owner. You are thinking of selling the jointed property and apply for a HDB with your wife as owner as you as essential occupier.

First, in order to purchase a HDB, both owners and essential occupier must not own any other forms of residential properties. And also wait out an additional 15 months after the sales of their current properties before they can sell an HDB.
Second, it is possible to buy a HDB with only your wife as owner as you as essential occuiper. But take noted that the MOP of 5 years is applicable to both parties before they are allow to purchase another properties.
Hope this helps to answer your questions, do drop me a call/whatsapp if you wish to have a more detailed discussion.
Regards
Rix
 9687 1379 
PN Read More

1. After selling your current private property, you will need to wait 15 months for BUYING resale HDB without HDB LOAN / GRANTS , 30 months if it is BTO,
2. You can buy the HDB with your wife as the sole owner, and you as the essential occupier.
3. However, both of you will be subject to the Minimum Occupation Period (MOP) of 5 years before you can purchase another property.

*"The future belongs to those who believe in the beauty of their dreams." – Eleanor Roosevelt*

It’s a good idea to check with HDB or a property professional to confirm your eligibility based on your specific situation, as rules may change over time.

"The only limit to our realization of tomorrow is our doubts of today." – Franklin D. Roosevelt

WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255
----------------------------888--------------------------------888--------------------------->>>
"If you need more assistance with property matters:
like renting / selling, buying / or investing, I'm here to help!
WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255
(Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

(***) You can READ my REVIEWS here: 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 (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

I also have partners to assist with mortgage home insurance matters.

Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

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

From: ABLE Toh- Your Property ASSISTANT : ）
“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

*** DEVELOPER SALES TEAM !!! BEST PRICES !!! NO AGENT FEES !! LOWEST PRICE GUARANTEED !!!
*** Connect Singapore Line: (65) 9856*9255
FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST !!!
*** Here are some exciting condominium launches in Singapore scheduled between June and December 2024:

> - Located at Yuan Ching Road in District 22, this 99-year leasehold development is set to preview in June 2024. Sora offers a mix of modern amenities and scenic views near Jurong Lake.
> A freehold development in District 17 at Flora Drive, set to launch in July 2024. Kassia is designed for those who appreciate luxury living in a serene environment.

> This 99-year leasehold property at Bukit Timah (District 21) is expected to launch in September 2024. It caters to families looking for prestigious schools and nature reserves nearby.

> A highly anticipated freehold development in District 2 at Anson Road, launching in Q4 2024. It combines luxury living with proximity to the Central Business District.

> Situated at Shenton Way (District 1), this 99-year leasehold project is ideal for those seeking a prime location near Marina Bay and the financial district, with a launch expected in late 2024.

> Launching in Q3 2024
Right next to Lorong Chuan MRT on Circle Line and close proximity to Serangoon.

LASTLY , For Newly TOP Condominium that Need RENT / SELL FAST *** Connect Trusted Singapore Property Agent , Myself
At ABLE Toh*** 9856-9255  ***
XXXXX The End XXXXXXX
As I always say, "Success is the sum of small efforts, repeated day in and day out." — Rober Read More

Hi, appreciate your sharing. If above age 55, you can purchase 4 room HDB anytime after sale, if not have to await 15 months for resale HDB and 30 months for BTO.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

Hi Sir,

For this plan to be feasible, both you and wife will need to be above the age of 55 years old. As you are selling a private property, BTO is not an option as it involved a wait out period of 30 months.

If both of you are over the age of 55 years old then you may purchase a resale HDB of 4 room or smaller immediately. If either one of you are below the age of 55 years old, then there will be a wait out period of 15 months before you can buy.

As for the manner of holding, you may purchase under both names as owners or one name as owner and one name as occupier. This is fine. Please feel free to contact me privately so that I can understand your intentions and explain to you in greater details.

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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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!
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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 time again he gives us reassurance to allay our worries. And he walked his talk.
With his help, we finally managed to sell our unit at a price within our expectations, before the deadline. Nick’s service is top notch – he is knowledgeable in his field, swift to respond, easy to communicate with and extremely accommodating.
Thank you very much once again Nick, for this smooth transaction!
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“I would like to recommend Nick Tan from SRI. Before we engaged Nick, we were working with another agent from a very popular property agency in February 2017. We decided to terminate the contract after 5 weeks of zero viewings and no paper advertisements. Basically, he was just waiting for phone calls. We engaged Nick on 20th April and by 10th of May, our unit was sold off. Why Nick? 1. He has good marketing strategie Read More

Hi

I assume you meant that you own 1 private property individually, plus another private property jointly with your wife. In this case, when you do a joint purchase of hdb with your wife (regardless whether you are owner or occupier), you are required to sell off all your private properties.

If you are below 55 years old, you need to sell off the private properties first, wait out 15 months, before you are eligible to purchase resale HDB. If its BTO, the waiting out period is 30 months.

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

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Good day to you,

HDB owner, co-owner and essential occupier must not own any private property, to be eligible for the purchase.
In your case, after selling the jointly owned property, you will still be holding onto private property. Even if you choose to sell that away, both of you will need to fulfill a 15-month wait-out period to be eligible for the purchase. Exception is applicable if both of you are above the age of 55.

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

Not possible to hold on to existing private properties, even if the resale HDB is purchased under your wife's sole name with you as an essential occupier only. Read More

Hi Do contact me at 97970200  to discuss more on your options.

Mark, your RIGHT choice
Propnex Read More

Hi,

Do you require any further assistance?

——

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.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
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Senior Division Associate Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
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WhatsApp me at: ABLE Toh (65) 9856-9255  or through this link.:https://wa.me/6598569255

----------------------------888--------------------------------888--------------------------->>>

· "If you need more assistance with property matters:

· like renting / selling, buying / or investing, I'm here to help!

· WhatsApp me at: ABLE Toh (65) 9856*9255 or through this link.:https://wa.me/6598569255

· (Unfortunately, this platform doesn't allow direct contact, but you can easily reach me )

·

· (***) You can READ my REVIEWS here: 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 (Because Most PRIVATE seller Agent are willing to share commission with Buyer Agent)

·

· I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

·

· I also have partners to assist with mortgage home insurance matters.

·

· Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

·

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

·

· From: ABLE Toh- Your Property ASSISTANT : ）

· “ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

·

*** DEVELOPER SALES TEAM!!! BEST PRICES !!! NO AGENT FEES !! LOWEST PRICE GUARANTEED!!!

*** Connect Singapore Line: (65) 9856*9255

FOR : UPDATED INFO / E- BROCHURE / FLOOR PLAN / PRICE LIST!!!

*** Here are some exciting condominium launches in Singapore scheduled between June and December 2024:

1. > - Located at Yuan Ching Road in District 22, this 99-year leasehold development is set to preview in June 2024. Sora offers a mix of modern amenities and scenic views near Jurong Lake.

2. > A freehold development in District 17 at Flora Drive, set to launch in July 2024. Kassia is designed for those who appreciate luxury living in a serene environment.

3. > This 99-year leasehold property at Bukit Timah (District 21) is expected to launch in September 2024. It caters to families looking for prestigious schools and nature reserves nearby.

4. > A highly anticipated freehold development in District 2 at Anson Road, launching in Q4 2024. It combines luxury living with proximity to the Central Business District.

5. > Situated at Shenton Way (District 1), this 99-year leasehold project is ideal for those seeking a prime location near Marina Bay and the financial district, with a launch expected in late 2024.

6. > Launching in Q3 2024

Right next to Lorong Chuan MRT on Circle Line and close proximity to Serangoon.

LASTLY , For Newly TOP Condominium that Need RENT / SELL FAST *** Connect Trusted Singapore Property Agent , Myself

At ABLE Toh*** 9856-9255  ***

XXXXX The End XXXXXXX

As I always say, "Success is the sum of small efforts, repeated day in and day out." — Robert Collier Read More