The main options after divorce

  • One spouse retains the flat, buying out the other's share (often via a court order specifying the division), subject to HDB's approval and eligibility checks for sole ownership.
  • The flat is sold on the open market (if MOP is met) or via an HDB exception if MOP hasn't been served, with proceeds divided per the divorce settlement.
  • In some cases, retaining the flat under a Single Singapore Citizen Scheme transfer, if eligibility criteria are met.

MOP complications

If the flat hasn't completed MOP, selling it on the open market isn't normally possible — divorcing couples in this situation often need to apply to HDB for approval to sell earlier on hardship/compassionate grounds, which is assessed case by case.

Tip

Get HDB's specific guidance for your situation early in the divorce process, ideally alongside your lawyer's advice on the settlement — HDB's approval requirements can affect what's realistic to agree to in the settlement itself.

Eligibility for a future flat

Divorced individuals have their own eligibility schemes and waiting periods for a future HDB purchase (whether alone or remarried) — check current rules rather than assuming your pre-divorce eligibility carries over unchanged.