What happens to a HDB flat when the owner passes away? The remaining family members could inherit the flat, whether there's a will or not, though whether you keep it is up to you. If you've already inherited a HDB flat and need to sell it immediately, drop us a message on WhatsApp and we'll get in touch as soon as possible. The process might vary if you need to sell due to divorce.
Here's a complete guide to the HDB inheritance rules in death
List of HDB inheritance rules in death
(1) Death of a Joint Owner
How to lodge Notice of Death
HDB Notice of Death fees
(2) Death of the Sole owner or Tenant-in-common
HDB will nomination process
How to get Grant of Probate or Grant of Letters of Administration
If there is no will, here’s the HDB inheritance process
What happens to your inherited HDB if you already own a flat and intend to keep it?
How long does it take to sell HDB flat after death?
How to sell your inherited HDB flat?
How high can you sell your inherited HDB?
List of HDB inheritance rules in death
Image Source: Yip Yew Chong
There are different documents and applications required for you to keep your inherited HDB flat in the event of the death of a (1) Joint Owner and (2) Sole Owner or Tenant-in-common.
(1) Death of a Joint Owner
This applies to you if your resale HDB flat is held under joint-tenancy. For example, you and your spouse are joint owners of a flat and he/she passed away. As the remaining owner of the flat, you can take ownership of the flat as the sole owner as his/her share/interest in the flat will be transferred to you and/or other remaining joint owners.This requires you to meet the HDB eligibility requirements to own a flat.
Basic eligibility conditions to own a HDB flat
These eligibility rules must be followed should there be a transfer of ownership.
Citizenship | Singapore Citizen (SC) |
Age | At least 21 years old |
Relationship to the deceased flat owner* | The proposed owners must be an immediate family member of the current owners, such as the spouse, parents, children, or siblings, and must be listed in the HDB resale application. |
Eligibility Scheme | Must be eligible for any of the following schemes: |
Property Ownership | Must not be a current owner or essential occupier of a HDB flat. DBSS flat, or an EC. Must have disposed of private property within the last 15 months. |
If the lease of the flat has already been issued, you need to submit the Notice of Death of your late spouse to the Singapore Land Authority (SLA) so they can update their records.
How to lodge Notice of Death
There are two ways to lodge a Notice of Death.
#1: Approach HDB to help you lodge Notice of Death
The first is to approach HDB to assist you with preparing the Notice of Death and inform other joint owners to sign the documents at the HDB Branch managing the flat. This will incur some registration and conveyancing fees.
To do this, you’ll need to bring the following documents:
Identity cards of remaining joint-owners
Original death certificate of deceased owner
Evidence of estate duty clearance for the deceased owner’s estate (only applicable for death occurring before Feb 15, 2008)
Duplicate lease (if any)
#2: Lodge Notice of Death directly with SLA
To lodge a Notice of Death to inform SLA of the death of a joint owner, you’ll need to make an appointment here and bring the following documents:
The Notice of Death
Lodgment Form
Documents to show evidence of death of the co-owner (e.g. original or certified extract of the Death Certificate of the deceased, or the original or certified true copy of the Grant of Probate or Letters of Administration of the estate of the deceased)
Certificate of Title or Duplicate Lease
Production Form in accordance with Part 3 Item 19 of the Consolidated Practice Circulars 2003
If you are using the soft copy of the Notice of Death form from the SLA website, take note that it cannot be handwritten. Rather, it must be typed, printed, or photographically produced.
Also, there must be a witness who’s at least 21 years old to witness the execution of the Notice of Death. The name, NRIC number, and signature of the witness must be clearly stated in the execution clause of the Notice of Death.
If the Notice of Death is to be lodged by your representative, you must complete the Authorisation Form (Lodgment by Applicant's Representative).
Note that the lodgement hours are strictly between 8:30 a.m. to 1 p.m. from Monday to Friday at the Service Counters at the SLA Customer Service Centre (CSC), 55 Newton Road, Taxpayer and Business Service Centre, Level 1, Revenue House, Singapore 307987.
HDB Notice of Death fees
You may incur a fee of about $68.30 for the registration or notification of your HDB flat’s transfer of ownership.
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(2) Death of the Sole owner or Tenant-in-common
In the event that the resale HDB flat’s sole owner or co-owner passes away, his/her interest in the flat will be distributed in two ways: (1) If there is a will, it would have to be followed. (2) If there is no will, the provisions of the Intestate Succession Act would have to be followed; and a court order is required to obtain legal authority to administer the deceased’s estate.
If there is a will, here’s the HDB will nomination process
The late owner’s interest in the resale HDB flat will be distributed according to the will, which requires you to file for a Grant of Probate. This gives legal authority to the Executor, usually the next-of-kin, to manage the deceased’s estate.
How to get Grant of Probate or Grant of Letters of Administration
You can either (1) hire a private solicitor to file for a Grant of Probate or Grant of Letters of Administration or (2) approach HDB to help you. You can go to the HDB Branch that manages the late owner’s flat to make the necessary application. All you have to do is prepare and submit these documents:
Original copy of the Grant of Letters of Administration and Statement for Grant of Letters of Administration or Grant of Probate and will
Original copy of the Syariah Court Inheritance Certificate (for Muslim estates only)
A copy of the deceased owner’s death certificate
Duplicate lease of the deceased’s flat
Identity card(s) of all flat owner(s) and Administrator(s) or Executor(s)
If you’re an Administrator/ Executor, you will have to:
Sign the relevant documents
Pay fees (stamp fees, conveyancing fees, etc.)
Apply at the HDB Branch managing the deceased’s flat to transfer the flat to the beneficiaries as owners, subjected to our eligibility criteria and conditions governing transfer of flat ownership
The admin fees to get a Grant of Probate or Grant of Letters of Administration should be around $300. However, if you hire a private solicitor to help you with the will and filing for the aforementioned court orders, the cost may range between $2,000 and $7,000.
If there is no will, here’s the HDB inheritance process
However, if the late owner did not leave a will, his/her interest in the flat will be distributed according to the provisions of the Intestate Succession Act. This requires you to file for a Grant of Letters of Administration, which gives the Executor, usually the next-of-kin, the legal authority to manage the deceased’s estate.
Here’s how the late owner’s interest in the flat will be distributed if there is no will
Leave behind spouse | Distribute entirely to spouse |
Leave behind spouse, children | Distribute half to spouse, half to kids (further split equally) |
Leave behind spouse, elderly parents | Distribute half to spouse, half to the deceased’s parent(s)Leave behind children: Split between the children equally |
Leave behind children | Split between the children equally |
Leave behind elderly parent(s) | Distribute entirely to the elderly parent(s) |
Leave behind sibling(s) | Split between the deceased’s siblings. If one of the siblings had passed away earlier. then his or her descendants will get his or her share. |
Leave behind grandparents (no spouse, kids, parents, siblings, nor descendants of deceased siblings) | Entirely to the grandparent(s) |
Leave behind aunties and uncles (no spouse, kids, parents, siblings, descendants of deceased siblings or grandparent[s]) | Split between the deceased’s aunties and uncles |
Leave behind none of the above | Goes to the Government |
I want to leave my assets to charity | You must prepare a will if you want your valuable flat to be left to the right person or even to charity. |
What happens to your inherited HDB if you already own a flat and intend to keep it?
If you have just inherited a HDB flat but decide to keep your own existing flat, you will need to sell the inherited HDB flat within 6 months.
How long does it take to sell HDB flat after death?
The change in flat ownership could take about 4 months (or longer, depending on your case) to be completed after HDB has received the complete set of applications.
How to sell your inherited HDB flat?
Let an experienced property agent handle it, while guiding you through the whole process. Drop us a message on WhatsApp or chat with us via Live Chat at the bottom, right-hand corner of the screen and we'll be in touch with you in less than a minute.
How high can you sell your inherited HDB?
Get an accurate estimate valuation for your inherited HDB flat in just one click! Check out Homer AI and find out your potential cash proceeds and the latest transacted prices in your block and area.
