Is there a NEED to declare your spouse as occupier? Assuming HDB was owned under single scheme before marriage.
actually, you can have a hdb and a pte...just need to buy them in the correct order (HDB and fulfill MOP -> Private)..and also willing to fork out the ABSD.It is not a must to add her as co-owner even though she has no flat. Basically, you bought under the single scheme so it is up to you to add or don't add her as co-owner after marriage.
Current regulation is that a person cannot have a pte property (local or overseas) and a HDB flat so if she has a pte property, you can't add her as co-owner for the HDB but occupier should be fine.
There is no need to add your spouse as an occupier at all.
An HDB essential occupier a family member who is required to be listed in the Application Form in order to form a family nucleus and qualify under an eligibility scheme to purchase a BTO/resale flat.
Since the flat was already purchased under single scheme, which does not require any occupier to start with, therefore, there is no need to add the spouse at all.
For your information, I had ever went to HDB to enquire (after getting married for 8 years), and was told there is a need to. However, it is very certain that the HDB Officer does not have full knowledge on this at all. The purpose of letting you know this is not to confuse you, but to make you aware that not all info from HDB Officer is reliable.
thing is, i asked a few officers, they said need to add as occupier once married.
So if not added as occupier, wife cannot have mailing address changed?
That is exactly what I was trying to tell you about the HDB Officers being wrong. They have no knowledge what occupiers are for...
The police officer will not care whether you are an owner or occupier. Just make sure your wife updates the address within 28 days of moving.
Superb. Thanks for the info!
My current place is bought under Singles Scheme while my future spouse is bought together with the parent (under Public Scheme).
Is there a need to remove the name from the Public Scheme while not changing anything about my current ownership?
No need to change anything on the ownership for both of you, remain status quo.
If a couple, each has a single scheme flat, got married, if dont want to put each other as co owner after marriage, is this alright?
For both under single scheme, one of the flats has to be sold after getting married. A married couple cannot own more than one HDB flat, except if the spouse owns one with the parents prior to marriage.
You can refer to this.
Both of you will need to discuss and decide which one to sell. With one flat left, there is no need to put the other party as co-owner nor occupier.
For both under single scheme, one of the flats has to be sold after getting married. A married couple cannot own more than one HDB flat, except if the spouse owns one with the parents prior to marriage.
You can refer to this.
Both of you will need to discuss and decide which one to sell. With one flat left, there is no need to put the other party as co-owner nor occupier.
Hi Pokémon, can I check the last paragraph that you mentioned.. so it means the unsold flat need not be under both names, but only the existing owner?
So does it means the other partner (after selling off the HDB) is eligible to buy a Pte pty (eg. condo) solely under his/her name without ABSD and able to loan max 80% since it’s the first loan?
Yes, that is exactly what I meant.
And yes again, regarding the ABSD and loan. You catch them very well, and fyi, this is the property ownership I am having with my spouse currently, as what you have spelt out.
Then, maybe will marry overseas but dont ROM in singapore...
Or dont marry at all...
For both under single scheme, one of the flats has to be sold after getting married. A married couple cannot own more than one HDB flat, except if the spouse owns one with the parents prior to marriage.
You can refer to this.
Both of you will need to discuss and decide which one to sell. With one flat left, there is no need to put the other party as co-owner nor occupier.