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Before submitting the application for a change in flat ownership, all current and proposed owners are required to:
<ul>
 <li>Complete the steps under <a href="/managing-my-home/home-ownership/change-of-flat-owners-or-occupiers/change-in-flat-ownership-not-through-a-sale/guide-for-change-in-flat-ownership">Guide on Change in Flat Ownership</a></li>
 <li>Read through the <a href="/-/media/managing-my-home/home-ownership/change-of-flat-owners-or-occupiers/change-in-flat-ownership-not-through-a-sale/application-process/change-in-flat-ownership-terms-and-conditions.pdf" target="_blank" title="Terms and Conditions">Terms and Conditions</a> (PDF, 342 KB)</li>
 <li>Give consent for the proposed owners to take over the ownership of the flat</li>
</ul>
Thereafter, submit the application and the required <a href="/-/media/managing-my-home/home-ownership/change-of-flat-owners-or-occupiers/change-in-flat-ownership-not-through-a-sale/application-process/documents-to-bring.pdf" target="_blank" title="supporting documents">supporting documents</a> through <a href="https://www.hdb.gov.sg/myhdb-page" rel="noopener noreferrer" title="MyHDB Page">MyHDB Page</a>. After the main applicant has initiated the application, all the other current and proposed owners need to provide their consent to the change in flat ownership through <a href="https://www.hdb.gov.sg/myhdb-page" rel="noopener noreferrer" title="MyHDB Page">MyHDB Page</a>.
Owners should note that the above steps needs to be completed before HDB can process the application. Incomplete applications may be rejected.
Note: 
If the change in flat ownership involves owners who lack mental capacity, the Donee named in the Lasting Power of Attorney or Court-appointed Deputy may <a href="https://www.hdb.gov.sg/write-to-us">write to us</a> to find out more on the application procedures and requirements.

Step 1: Submit online application for change in flat ownership

HDB will assess the applicants' eligibility after receiving the complete set of application (including all applicants' electronic consent and the required supporting documents). 
 If the proposed owners are eligible for the change in flat ownership, the current and proposed owners will receive a letter 2 to 6 weeks after the application, which provides information on:
<ul>
 <li>HDB's approval</li>
 <li>Estimated fees payable</li>
 <li>Documents to prepare before attending the completion appointment</li>
</ul>
For owners with an existing bank loan, please inform your private lawyers to obtain HDB&rsquo;s approval for the change in flat ownership before serving the Notice of Redemption to the bank.

Step 2: Receive HDB's approval and information on estimated payments

About 2 to 3 months after HDB&rsquo;s approval, the current and proposed owners will be notified to attend the completion appointment at the HDB Branch to:
<ul>
 <li>Execute legal documents</li>
 <li>Confirm the fresh mortgage loan (if the proposed owners are taking a loan from HDB)</li>
 <li>Make all payments relating to the transaction (including settlement of all outstanding amounts for the flat)</li>
</ul>
All current and proposed owners, as well as their spouses, must attend this appointment personally on the same day to complete the ownership change. 
Note: 
If any of the current or proposed owners are unable to attend the appointment in person, he/she would need to appoint a private lawyer to act for them in the change in flat ownership.

Step 3: Fix completion date and attend appointment to complete the change in flat ownership

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