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Old 12-04-2018, 01:23 PM   #16
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HDB does recognise Will for flat under joint tenancy, except tenant in common
100%,goes to surviving joint owner.

Inherited flat should not affect beneficiary status as first timer.

Oustanding loan must be settled by estate or beneficiary, unless covered by HPS.
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Old 12-04-2018, 03:23 PM   #17
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Do refer to HDB website on the meaning of First-Timer;



> First-Timer Applicants for more info and details.

Bookmarked for future reference & further reading.
This means that you must not:

Be the owner of a flat bought from HDB


Cannot be owner, if not, first timer status will be void.
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Old 12-04-2018, 04:17 PM   #18
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This means that you must not:

Be the owner of a flat bought from HDB


Cannot be owner, if not, first timer status will be void.
Not technical correct.

Not be the original owner that bought the flat direct from HDB.
Which include any benefit, as in subsidy, from HDB.
Subsidy do include that the flat is cheaper as being subsidy flat by HDB.

Usually if for example TS is to add his name to as Owner for several reason, which may include using TS's CPF for the flat or taking loan using TS name, etc.
And also allow TS to take over the flat as the TS name is under Ownership, with or without any financial inclusive.
As since TS did not enjoy any benefit from HDB, this is not consider as first-timer.
Just co-own HDB flat, which allow 2 or more names as ownership, on whether
added later on.
Whereas currently TS is considered as Occupier, which has no ownership to the flat.

Also should TS is the sole owner at a later stage, he still can apply as first-timer to HDB flat.
Provided TS has to sell the existing flat upon taking ownership of new HDB flat, within a certain period.
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Old 12-04-2018, 06:21 PM   #19
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1) she thought that by having my name as co-owner will disqualified me as a first time buyer which is why my name wasn't added into it.

2) we are somehow related. Same mum different father.
So my question was, which you did not answer

when u buy your new BTO, will you ask your mother to shift in to stay in your new BTO ?

++
In that case it is going to be 50-50 split
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Old 12-04-2018, 08:28 PM   #20
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If you were to inherit a resale flat from your mother, then you definitely will still remain a first-timer when you decide to apply for BTO in the future.
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Old 12-04-2018, 11:45 PM   #21
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Your mum is legally married to your dad so in the eyes of HDB you are the beneficiary
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Old 13-04-2018, 11:22 AM   #22
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Thanks for the clarification regarding the ownership of the flat.

Not technical correct.

Not be the original owner that bought the flat direct from HDB.
Which include any benefit, as in subsidy, from HDB.
Subsidy do include that the flat is cheaper as being subsidy flat by HDB.

Usually if for example TS is to add his name to as Owner for several reason, which may include using TS's CPF for the flat or taking loan using TS name, etc.
And also allow TS to take over the flat as the TS name is under Ownership, with or without any financial inclusive.
As since TS did not enjoy any benefit from HDB, this is not consider as first-timer.
Just co-own HDB flat, which allow 2 or more names as ownership, on whether
added later on.
Whereas currently TS is considered as Occupier, which has no ownership to the flat.

Also should TS is the sole owner at a later stage, he still can apply as first-timer to HDB flat.
Provided TS has to sell the existing flat upon taking ownership of new HDB flat, within a certain period.
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Old 13-04-2018, 11:26 AM   #23
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wah the other person trying to steal the flat
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Old 13-04-2018, 11:26 AM   #24
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No plans for applying any bto in the near future and I really love where I am living now. But to answer your question l, if I were to buy my own bto, I will ask her to shift with us.

So my question was, which you did not answer

when u buy your new BTO, will you ask your mother to shift in to stay in your new BTO ?

++
In that case it is going to be 50-50 split
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Old 13-04-2018, 11:27 AM   #25
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But under the inheritance law, my half blood brother is also my mum's child.

Your mum is legally married to your dad so in the eyes of HDB you are the beneficiary
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Old 13-04-2018, 12:07 PM   #26
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My parents bought an HDB decades ago under Joint Tenancy agreement. Few years back my father passed away and my mum became the sole owner of the flat. [B]My maternal half-blood brother tried to sweet talk her to put him as a co-owner (unsure what's the status right now).
Part 1

If he is co-owner, need to check what type of ownership he belongs to.

If JOINT OWNER, then if your mum pass on (touch wood), he will automatically become the sole owner (100% of flat goes to him).

If Tenancy in common (meaning percentage of share in the flat, can be 1% to 99%) , if your mum pass on, then her share will be divided according to our government inheritance law.

Meaning your brother share is still his (you got no say in that), your mum's share may be spilt between all her children etc

Pls click and read : What happen to flat after demise of owner ?
So right now if my mum have any mishap(touch wood), will my half-blood brother and I each get 50% of the flat?
If he isn't the co-owner at this stage, then it be according to the inheritance (read about website link).

If he is already a co-owner, then it be according to part 1 above.
Both of us are under age 35 and none of us own any HDB/private property. I am staying with my mum while he is renting flat outside. My mum still have a few years of outstanding loan.
Actually we only hearing your side of the story.

You are pretty much concern about your first timer status for your BTO flat with future spouse. Meaning you should have the ability to buy a flat etc.

He is more concern about monthly rental cost which he is currently incurring and trying to secure a roof over his head. Basically I see no wrong on what he is doing since she is also his mother, not sure about your "sweet talk" labeling.

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Last edited by vinz; 13-04-2018 at 12:10 PM..
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Old 13-04-2018, 12:53 PM   #27
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Not technical correct.

Not be the original owner that bought the flat direct from HDB.
Which include any benefit, as in subsidy, from HDB.
Subsidy do include that the flat is cheaper as being subsidy flat by HDB.

Usually if for example TS is to add his name to as Owner for several reason, which may include using TS's CPF for the flat or taking loan using TS name, etc.
And also allow TS to take over the flat as the TS name is under Ownership, with or without any financial inclusive.
As since TS did not enjoy any benefit from HDB, this is not consider as first-timer.
Just co-own HDB flat, which allow 2 or more names as ownership, on whether
added later on.
Whereas currently TS is considered as Occupier, which has no ownership to the flat.

Also should TS is the sole owner at a later stage, he still can apply as first-timer to HDB flat.
Provided TS has to sell the existing flat upon taking ownership of new HDB flat, within a certain period.




This means that you must not:

Have transferred the ownership of a flat bought from HDB, or an HDB resale flat bought with a CPF Housing Grant


Now that's the confusing part. Suppose you are right, that means the way HDB word it should be more precise.

In that case, TS should immediately add his name as "Joint Tenancy".

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Old 13-04-2018, 04:16 PM   #28
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No plans for applying any bto in the near future and I really love where I am living now. But to answer your question l, if I were to buy my own bto, I will ask her to shift with us.
Then in that case you need not too concern when your mum pass on who will take over the house. Maybe your mum already draw the will already.

Last edited by kyteo79; 13-04-2018 at 04:20 PM..
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Old 13-04-2018, 04:51 PM   #29
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This means that you must not:

Have transferred the ownership of a flat bought from HDB, or an HDB resale flat bought with a CPF Housing Grant


Now that's the confusing part. Suppose you are right, that means the way HDB word it should be more precise.

It is not confusing or misleading at all, but how you read it on the whole.

Read it this way;
  • You, the applicant to buy from HDB direct, Have transferred the ownership of a flat bought from HDB
  • You, the applicant to buy from HDB direct, Have an HDB resale flat bought with a CPF Housing Grant
This refer to the applicant who had;
  • bought the flat the from HDB and then transferred the said ownership
  • taken a CPF Housing Grant from HDB which refer as being subsidy from HDB.

In other word, BENEFIT from any one of the HDB subsidies.

This is in reference to a person who had bought the flat with any HDB subsidies, which is nothing to do with the property itself.

To avoid those who owned a flat bought from HDB subsidy and find ways to passed the ownership to others; and subsequently buy another HDB subsidy flat.
These owners will be classified as not first-timer, but second buyer which have to pay certain fees from the benefit from the 1st flat.


Nobody can escape from the records, as HDB do keep your profile history in their records from the point you purchased or has a name to a HDB flat, whether direct or open market.

The next thing HDB did is to trace and get a full history of your profile on ALL Private And Public Properties with your names, including co-owner & essential occupier of the said HDB flat.
Meaning all private properties transaction will be screened by HDB for private property owner names against their HDB records.

As i had violated one of the HDB policy on private property ownership and went thru a long process to fully understand by face talk with the HDB Officer.
End the end, i had to return the said new BTO HDB at cost, loosing my CPF interest and renovation costs, etc.
Ever since return the said new HDB flat, recently asked another HDB officer on me as still consider as First-Timer, although bought 2 resale HDB flat from open market, of which the recent HDB flat was classified as SERS project.
Learning experience after all these happening and also learnt from HDB Officers on their policy.
Beside this history of incidents, i do have others. . . as my HDB record history is thick.


Regards.

Last edited by eric3743; 13-04-2018 at 04:59 PM..
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Old 13-04-2018, 05:16 PM   #30
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Then in that case you need not too concern when your mum pass on who will take over the house. Maybe your mum already draw the will already.

To put it bluntly.

What your parents do, and as the child you cannot question your parents.

This type of incident did happened to me, as my sibling refused to honour what our father paid partially to one of the sibling's property.
Make the profit and all was kept by this sibling.
Very long history and story . .

To this day, i am satisfied with a fully paid 5-room BTO HDB flat and still able to survive..
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