Does my aunt qualify as part of the family nucleus for HDB if I am 24 years old, the sole owner, and list another person as the occupier?

If you are 24 years old, you cannot buy an HDB flat as a sole owner under the typical Single Singapore Citizen Scheme, as this scheme requires applicants to be at least 35 years old (unmarried or divorced). Listing another person's name as occupier does not make you eligible to buy a flat as a single at 24, because the minimum age is strictly enforced except under certain special schemes.

There is no "main occupier scheme" that would allow you to purchase as a sole owner at 24 just by naming someone as an occupier. An essential occupier is someone who forms a family nucleus with you to qualify for a flat, and they must physically and continuously occupy the flat for the required period.

The Orphans Scheme allows unmarried orphans (with both parents deceased) to buy an HDB flat together. Under this scheme, the minimum age is 21, and you and your siblings (who are not married) may apply as co-owners. However, you cannot use this scheme to buy a flat on your own at 24 unless you have a sibling applying with you as a co-owner.

For the Joint Singles Scheme, both applicants must be at least 35 years old and unmarried or divorced. Since you are 24, you are not eligible to buy under this scheme.

When forming a family nucleus under the Public Scheme, only certain relatives qualify:
- Spouse and children.
- Parents and siblings.
- Children under your legal custody (if widowed or divorced).

Your aunt does not qualify as part of a family nucleus for HDB eligibility. You cannot use an aunt as an occupier to form the family nucleus required to buy an HDB flat.

In summary:
- At 24, you cannot buy as a sole owner under the singles scheme.
- There is no main occupier scheme to bypass age or family nucleus rules.
- The Orphans Scheme requires application with a sibling, with both being orphans.
- The Joint Singles Scheme requires all applicants to be 35 or older.
- An aunt cannot be used to form a family nucleus to buy an HDB flat.