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Paper 2 · Lesson 6 — Sale of HDB Flats — Schemes, Eligibility, Monetisation and Estate Renewal

Change of ownership and occupiers

Transfer / change of ownership (add or remove an owner), core occupiers, and retention on divorce or death.

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Question 1

Mr and Mrs Raj own their HDB flat jointly and, now that their son has married, want to add their new daughter-in-law as a third co-owner while both of them stay on the title. Their agent identifies which recognised change of ownership, made without an open-market sale, this is. Which statement is correct?

  1. A. It is a substitution — one existing owner is swapped out for the new co-owner who takes their place.
  2. B. It is an outright transfer — all the existing owners step down for a fresh, eligible group entirely.
  3. C. It is an inclusion — a new co-owner is added while the existing owners both remain on the title.
  4. D. It is a withdrawal — an existing owner's name is removed from the ownership of the family's flat.
Show the answer and full explanation

Answer: C

The rule. Ownership can change without an open-market sale in four recognised ways: inclusion (add an owner), substitution (swap one owner for another), withdrawal (remove an owner), and transfer (all owners step down for a new eligible group). Adding a person while the existing owners remain is an inclusion.

Why C is correct. Adding the daughter-in-law while Mr and Mrs Raj both stay on the title is an inclusion of a new owner.

The other options.

  • A a substitution swaps one owner out for another — here no one leaves.
  • B a transfer needs all the existing owners to step down — the Rajs are staying on.
  • D a withdrawal removes an owner — here an owner is added, not removed.

Exam note. Adding an owner with no one leaving = inclusion. Distinguish it from substitution (a swap) and transfer (everyone changes).

Adding a person while the existing owners remain is an inclusion →

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