Living with in-laws while waiting for BTO flats to be completed used to be common for newlyweds. Now, thanks to the improved Marriage & Parenthood Package, the Parenthood Provisional Housing Scheme (PPHS) allows them to rent flats while they wait. Here’s how you know you qualify.
1. Determine your status
To qualify for the PPHS, you have to have booked an uncompleted BTO or SBF (Sale of Balance Flats) flat. If you are a married couple or an applicant under the Fiancé / Fiancée Scheme, you must ensure either both you and your spouse or fiancé / fiancée are first-timers, or that at least one of you is a first-timer, and the other a second-timer.
The PPHS is not just for engaged or newlywed couples. Divorced or widowed parents with children can also qualify, so long as they have booked uncompleted BTO or SBF flats.
2. Documentation and legal matters
If you are married and have just taken possession of your PPHS rental flat, you must produce your marriage certificate within three months. At the same time, at least one of you has to be a Singapore citizen. The one who is not a citizen must be a permanent resident (PR).
3. Ownership and occupancy
None of the occupiers of the PPHS rental flat are allowed to own any existing HDB flat. You can be a co-owner of a HDB flat with your parent(s) and / or sibling(s) if they are not listed in your BTO / SBF application, but you would be required to surrender your co-ownership within six months of taking possession of the rental flat.
All applicants for the PPHS rental flat must also be listed in the application for the BTO / SBF flat, and you can only apply for one PPHS rental flat within the same month.
You are also allowed to share your PPHS rental flat with another eligible couple or household. But remember: a three-room PPHS flat can accommodate up to six people, and a four- or five-room PPHS flat can accommodate up to nine people.
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