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You should direct this question to HDB to get an accurate answer. This arrangement is quite rare.

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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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Warmest regards,
Geryl Lim
Deputy Branch 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 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Hi Do contact me at 97970200  to understand more and discuss.

Mark, your RIGHT choice
Propnex Read More

Good day to you,

The Joint Single Scheme applies to two individual Singaporean citizens who are both 35 years old or older. While both of you can meet the qualifications, complications may arise once you get married, since I am not aware of any updates to the eligibility criteria that would change from the Joint Single to the Family Scheme within the household. Therefore, to ensure that your plan is feasible, please get in touch with HDB for further clarification.

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.
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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

Hi

If both of you are 35 years old and single Singaporean, you will be able to qualify under the Joint Singles Scheme for resale HDB.

Your scenario is indeed a bit unique so its best to confirm with HDB on this possibility of getting married and what happens after, but it seems to me there shouldn't be an issue if you guys were joint owners right from the start under JSS and remain so after getting married. But best to confirm with HDB still.

Are you guys only looking at HDB? Since you may be eligible for new EC as well.

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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Contact: (+65) 97432395 
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Dear Sir/ Madam,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance.

Wishing you a fantastic day ahead.

Why Choose Me
✅ Principal Realtor of SGAgent.com | SGRealtor.com | SGGuru.com l
With over 18 years +++ of experiences, trusted platforms that foster direct client relationships and long-term loyalty.

✅ Customer-Centric Approach – Dedicated to building genuine connections, transparency, and tailored solutions for buyers, sellers, and investors.

Whether you’re buying, selling, or investing, my expertise ensures a seamless and successful property journey.

Let me put my experience and resources to work for you. Reach out now to discuss your real estate goals:

• Singapore Line: (+65) 8889 9918 
• Email: onassis@sgagent.com

Onassis Gan
Principal Realtor of SGAgent.com | SGRealtor.com | SGGuru.com |
Your Partner in Real Estate Success! Read More

Hi, your arrangement is not as rare as you think. I've had the same question raised before by multiple folks.

One difference could be an implication on proximity housing grants, as you may have to individually qualify to each get a grant adding to the full amount you might have received as a couple. This also means you might unintentionally lock-in the parents on both sides from moving homes for the next 5 years.

There are also other important factors and implications you would need to consider, such as ownership structure, occupier implications, exit flexibility etc.

Would be happy to walk you through the considerations if you need help. I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy.

Feel free to reach out via whatsapp or email. We can schedule a free consultation to discuss
further.

Kay Cloud
Associate Advisor
Propnex Realty Pte Ltd
cloud@propnex.com
 (+65) 85674585  Read More

Hi, appreciate your sharing. Able to write to HDB feedback to check it out.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

1. This scenario falls under the Joint Singles Scheme, which allows two unmarried Singapore citizens aged 35 or older to jointly purchase an HDB flat.
2. While both applicants may qualify now, marriage later could complicate the scheme type, as automatic conversion to the Family Scheme is not clearly outlined.
3. Since this setup is uncommon and policy interpretations can vary, it's best to confirm directly with HDB for accurate guidance on how marriage might affect eligibility.

**"It is not wisdom but authority that makes a law." – Thomas Hobbes**
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QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More