Can I inherit an HDB flat if I already own a fully MOP EC

If you own a fully MOP (Minimum Occupation Period) Executive Condominium (EC) and are considering whether you can inherit an HDB flat and own both properties at the same time, there are strict regulations to note under Singapore's property ownership rules.

In general, HDB regulations do not allow individuals to own both an HDB flat and a private property (which includes a fully privatised EC, i.e., one that has passed the 10-year mark and is treated as private property) at the same time. If the EC has only met its first 5-year MOP but is less than 10 years old, it is still considered a type of HDB property and the rules are different. However, once it passes 10 years, it is classified as private property.

If you inherit an HDB flat while already owning a private property (such as a privatised EC), HDB will usually require you to dispose of one property. Typically, you are required to sell off either the HDB flat or your private property (including your EC) within six months of taking possession of the inherited HDB. Failure to do so may result in HDB taking action, which could include compulsory acquisition of the HDB flat.

If you have not yet crossed the 10-year mark and your EC is not yet privatised, HDB rules still prevent you from owning more than one subsidised flat at any one time. So, in either case—whether your EC is considered an HDB or a private property—you are generally not allowed to legally own both an HDB flat and an EC simultaneously.

There are rare exceptions in cases of joint inheritance or special circumstances, but these require direct approval from HDB and are assessed on a case-by-case basis. If you are facing such a situation, it is important to consult HDB directly to clarify your specific scenario and obligations.

In summary, you are not allowed to retain both a fully MOP EC and an inherited HDB flat; you will need to dispose of one according to HDB regulations.