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<h3>Eligibility</h3>
As the remaining family or single occupier, you can retain the existing flat provided you:
<ul>
 <li>are a Singapore Citizen (SC) or Singapore Permanent Resident (SPR);</li>
 <li>are at least 21 years old; and</li>
 <li>satisfy our eligibility rules and conditions to own a flat.</li>
</ul>
For example, a husband and wife are joint-owners of a flat. His widowed wife can take ownership of the flat as the sole owner, if she satisfies all eligibility conditions to own a flat. If the lease of the flat has already been issued, she would need to submit the Notice of Death of her husband to SLA, for the purpose of updating records.
As a remaining joint-owner, you may choose to lodge the Notice of Death personally at SLA (Visit <a rel="noopener noreferrer" href="http://www.sla.gov.sg/" target="_blank" title="www.sla.gov.sg">www.sla.gov.sg</a> &gt; FAQs &gt; How do I lodge a Notice of Death to inform SLA of the death of a joint owner), appoint your own solicitor to lodge the Notice of Death on your behalf, or engage our legal services through the managing <a href="/about-us/contact-us">HDB Branch</a> of the flat.
<h3>Lodging a Notice of Death</h3>
&nbsp;
<ol>
 <li>The remaining joint-owners will need to bring along these documents to lodge a Notice of Death for flats held under joint-tenancy:</li>
</ol>
<ul style="margin-left: 40px;">
 <li>Identity cards of remaining joint-owners</li>
 <li>Original death certificate of deceased owner</li>
 <li>Evidence of estate duty clearance for deceased owner&rsquo;s estate (for death occurring before 15 February 2008)</li>
 <li>Duplicate lease (if any)</li>
</ul>
<ol start="2">
 <li>They will also be required to pay the registration and conveyancing fees at the point of application.</li>
 <li>HDB&rsquo;s Legal Group will then prepare the Notice of Death and inform the remaining joint-owners to sign the documents at the HDB Branch managing the flat.</li>
</ol>

Demise of joint owner

Ownership of the flat will be passed on according to a will, or the Intestate Succession Act (if there is no will). You may find out more regarding wills and property inheritance on <a rel="noopener noreferrer" href="https://mylegacy.life.gov.sg/when-death-happens/wills-and-inheritance/" target="_blank">My Legacy</a> @LifeSG. 

<h3>If the Flat Owner Left a Will</h3>
The flat will be distributed according to the will.
You will need to apply for:
<ul>
 <li>Grant of Probate (GOP) &ndash; A court order that gives the Executor (named in the will) the legal authority to manage and distribute the estate according to the will. 
 </li>
</ul>
<h3>If There is No Will</h3>
The flat will be passed on according to the Intestate Succession Act.
You will need to apply for:
<ul>
 <li>Grant of Letters of Administration (GLA) &ndash; A court order that gives the Administrator the legal authority to manage and distribute the estate according to the intestacy rules set out in the Intestate Succession Act.</li>
</ul>
You may file the application on your own (find out how to do so at <a rel="noopener noreferrer" href="https://www.judiciary.gov.sg/family/probate-and-administration" target="_blank">Singapore Courts</a>) or engage a lawyer to assist with the application.
<h3>Registering Your Legal Right as an Administrator/ Executor (Apply for Transmission of Flat)</h3>


Once you have the Grant of Probte or Letters of Administration, you must apply for transmission of flat within 6 months either by appointing your own lawyer, or requesting HDB to act for you.
 
If you appoint your own lawyer, your lawyer will advise you on the application process and the fees payable.
If you would like HDB to act for you, please <a href="https://services2.hdb.gov.sg/webapp/BF13AWAppointmentWeb/branch/">book an appointment</a> and bring along these documents during your appointment:
<ul>
 <li>Original Grant of Probate or Letters of Administration</li>
 <li>Statement for Grant or the Will</li>
 <li>Syariah Court Inheritance Certificate (for Muslim estates)</li>
 <li>Death certificate of the deceased</li>
 <li>Duplicate lease of the flat (if it is kept by the flat owners)</li>
 <li>NRICs of any surviving owners and Executor(s)/Administrator(s)</li>
</ul>
Besides conveyancing and registration fees payable to HDB, you may need to pay additional fees to the bank&rsquo;s solicitors if there is an outstanding bank loan. Please check with the bank. 
When the legal documents are ready, you will be notified to attend an in-person appointment at HDB to sign the legal documents. 
Note: HDB will determine if we can act for you. If HDB is unable to do so or if any Administrator or Executor is unable to be present to sign the legal documents, you will need to appoint your own lawyer.
<h3>What the Executor/ Administrator Must Do within 12 months after Transmission is Completed</h3>

<table style="width: 713px; height: 384px; left: 24px;">
 <tbody>
 <tr>
 <td>Change the flat ownership </td>
 <td>Sell the flat </td>
 </tr>
 <tr>
 <td>
 Apply to HDB to effect a change in ownership to the eligible beneficiaries who wish to take over the flat.
 
 
 There are 2 ways that the beneficiaries can consider taking over the flat ownership or relinquishing their shares in the flat:
 <ul>
 <li>
 <a href="/managing-my-home/home-ownership/change-of-flat-owners-or-occupiers/resale-of-partshare" target="_self">resale part share</a> (with monetary consideration) or
 </li>
 <li>
 <a href="/managing-my-home/home-ownership/change-of-flat-owners-or-occupiers/change-in-flat-ownership-not-through-a-sale/eligibility" target="_self">change of ownership (not through a sale)</a> (without monetary consideration) 
 
 
 </li>
 </ul>
 Who is eligible to take over the flat? 
 
 Beneficiaries who are Singapore Citizens or Singapore Permanent Residents and at least 21 years old. They must also meet other eligibility conditions prevailing at the time of application, depending on the mode of the change in flat ownership.
 If they do not meet the prevailing eligibility conditions to take over the flat, they can still receive proceeds from the disposal of flat as the beneficiaries.
 </td>
 <td>
 <a href="/managing-my-home/selling-a-flat" target="_self">Sell the flat</a> if none of the beneficiaries is eligible or wishes to take over the flat.
 
 The flat must meet the minimum occupation period as at the date of death of the deceased owner before it can be sold in the open market.
 
 
 If the flat is a Studio Apartment, 2-room Flexi (short lease) flat, Community Care Apartment, or a flat under the Lease Buyback Scheme, it cannot be sold (whether in full or part-share). Administrator/ Executor can <a href="https://www.hdb.gov.sg/write-to-us" target="_self">write to us</a> to return the flat to us.
 </td>
 </tr>
 </tbody>
</table>

Demise of sole owner/ tenant-in-common

<h3>Divorced with children</h3>
If you have custody (care and control) of your child, you can retain the flat if eligibility conditions are met. (Divorce must not be due to non-consummation of marriage or annulment.) 
<h3>Divorced without children</h3>
If you have no children from the marriage, you can retain the flat alone if you are a Singapore Citizen, at least 35 years old, and meet the prevailing conditions for retention of the flat under the SSC scheme.
Alternatively, you can include another person to retain the flat with under an eligibility scheme, subject to you meeting the prevailing conditions.
<h3>Completion of Minimum Occupation Period (MOP)</h3>
If you wish to sell your flat on the open market, you must have satisfied the MOP by the divorce completion date. If the MOP has not been satisfied but neither party is eligible to retain the flat, we will assess if it can be returned to us, and determine the compensation amount for the flat.
For more details on how CPF-related assets, such as a matrimonial flat bought using CPF savings, are divided as part of divorce, please&nbsp;<a rel="noopener noreferrer" href="https://www.cpf.gov.sg/member/account-services/undergoing-a-divorce/division-of-cpf-assets" target="_blank" title="CPF">visit the CPF Board's website</a>.

Divorce

<h3>Eligibility</h3>
If a divorce is due to the non-consummation of marriage, annulment of marriage, or if there is a break-up of the fianc&eacute;/ fianc&eacute;e relationship, neither party is allowed to retain the HDB flat.
Retention of the flat is only allowed if either of your parents were originally listed in the application to buy the flat. If none of you are eligible to retain the flat, the flat may have to be returned at the prevailing compensation price, subject to our approval.

Annulment of marriage/ break-up of fiancé and fiancée

<h3>Eligibility</h3>
If there is a change to your Singapore citizenship or Singapore Permanent Resident status, we will review your eligibility for flat ownership.
If you cannot retain the flat, you will need to dispose of the flat in the open market. This is provided you have completed the <a href="/managing-my-home/selling-a-flat/eligibility">Minimum Occupation Period</a>&nbsp;(MOP) at the point of change of your citizenship. Your eligibility to resell the flat is subject to the resale policy at the time of application.
If the MOP has not been completed, we will have to acquire the flat at a compensation price determined by us.

Loss of citizenship or Singapore Permanent Resident status

<h3>Eligibility</h3>
If your child is getting married and moving out, we will determine your eligibility to retain the flat alone based on the merits of each case.
Please approach the managing <a href="/about-us/contact-us">HDB Branch</a> of the flat.

Child moving out due to marriage

<h3>Adding your spouse as a co-owner/ occupier of your flat</h3>
In view of the demand for public housing, each eligible family unit can only own 1 HDB flat. As a married couple is considered as a family unit, both husband and wife can therefore own only 1 HDB flat at any one time, and will need to be listed as a co-owner or occupier in the same flat. Find out more on the <a href="/managing-my-home/home-ownership/change-of-flat-owners-or-occupiers">application procedures</a>.
If your spouse has been included as an occupier of your flat, he or she will be deemed as an essential occupier of your flat and both of you are required to fulfil the requisite Minimum Occupation Period (MOP). This MOP will apply to renting out of the flat, acquiring an interest in private property and selling the flat, subject to meeting the eligibility conditions.

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