My Answer with regards to your Question:
In Singapore, there are regulations and restrictions regarding property ownership, especially for public housing like Built-To-Order (BTO) flats and private properties. Let's address the scenarios you presented:
Son BTO with Mother as Essential Occupier:
In this scenario, the son is the sole owner of the BTO flat, and his mother is listed as an essential occupier.
When the son later gets married, the ownership of the BTO flat won't be affected as long as the son remains the sole owner. However, if the son wishes to include his wife as a co-owner, there are certain considerations to take into account.
Son Marries Girlfriend Who Owns a Private Property:
If the son marries his girlfriend who already owns a private property, they can retain both properties. However, there are implications if they wish to purchase another property together in the future.
The Additional Buyer's Stamp Duty (ABSD) may apply if the couple purchases another property together, as one of them already owns a private property. They will need to pay the ABSD, which is an additional tax on top of the purchase price of the property.
Son Asks Girlfriend to Buy a Property Before Marriage:
If the son asks his girlfriend to buy a property before they get married, and he does not have any ownership in the property, then his BTO flat ownership remains unaffected. However, the same ABSD implications apply if they decide to purchase another property together in the future after marriage.
It's essential for the parties involved to consider their long-term plans and consult with relevant authorities, such as the Housing and Development Board (HDB)
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