Do both applicants need to be above 35 years old for the Joint Singles Scheme when buying an HDB, if I am 24 years old, the sole owner, and list another person as the occupier?
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No. Under the Joint Singles Scheme, if both applicants are unmarried or divorced and buying together, both must be at least 35 years old. Being 24 years old does not meet this requirement, even if you list someone else as the occupier.