Transfer of Flat Ownership

Due to a change in your family’s circumstances such as marriage, divorce, or financial hardship, existing flat owners may need to effect a change in flat ownership within your family members.

One way to do this is by transfer without monetary consideration. The other is to do a transfer pursuant to a Court Order, in circumstances such as divorce.

As this conveyancing procedure is similar to that of purchasing an HDB flat, all existing and proposed owners must be aware and give consent to the change in flat ownership. Find out about the application procedure.

Types of transfer

There are 4 main types of transfer of flat ownership.

  1. Inclusion of owners: Parents include daughter

inclusion of owner

  1. Withdrawal of owners: Daughter withdraws

withdrawal of owner

  1. Substitution of owners: Substitute daughter with son

substitution of owner

  1. Outright transfer: Father transfers ownership to son

outright change of owner

Who can initiate a transfer of flat ownership?

Existing flat owners may transfer their flat ownership to immediate family members if the proposed owners meet all eligibility conditions. If there is more than 1 proposed owner (maximum 4 owners can be allowed for each flat), they would need to decide on the manner of holding the flat upon the transfer of ownership, whether by joint-tenancy, or tenancy-in-common.

Before submitting an application for the transfer of flat ownership, existing and proposed owners should consider the following:

  1. Eligibility conditions
  2. Finances required


Proposed owners will have to meet these eligibility criteria.

Guide on flat transfer

Before flat owners initiate a transfer, there are a number of things to consider, such as eligibility and finances. See the steps in guide on flat transfer.

Application procedure

Follow these steps to complete the application procedure for the transfer of flat ownership.

Conditions after flat transfer

The proposed owners and withdrawing owners have to take note of certain conditions after the transfer of flat ownership has been completed.

Additional information

In the case of a divorce, the transfer of flat ownership is subject to these conditions.

Application form

Flat owners may download the application form to apply for the transfer of flat ownership.

Refer: HDB website