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Whole Flat Rental: Do I Need to Wait for 5 Years?

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Planning to rent out your property for the first time? If you are a Singapore Citizen (SC), you are allowed to rent out your whole HDB flat after fulfilling the Minimum Occupation Period (MOP).

Singapore Permanent Resident (SPR) flat owners are not allowed to do so, but SPR homeowners are eligible to rent out a bedroom in their HDB flat.

What is the Minimum Occupation Period?

The keyword in MOP is “occupation”, this means that you need to physically occupy the property from the date of purchase of the flat if you are the original purchaser. If you have bought a BTO flat in 2016 and started occupying it this 2019, you cannot rent out your whole unit in 2021.

If there was a resale of part-share or transfer of flat ownership, the MOP is computed from the effective date of the resale of part-share/transfer of flat ownership, or the date the owner was included as an authorised occupier of the flat.

How long is the MOP?

The MOP is typically five years. But if your flat is non-subsidised which means you have purchased it from the open market without utilising any CPF housing grant and purchased before 30 August 2010, the MOP is three years.

Since it’s now 2019, those who have bought their flats before 2010 should’ve fulfilled the MOP of three years. Hence, the answer is yes. You’ll need to wait for five years before renting out your whole flat.

Fulfilled the five years? Congratulations! You may now start renting out your flat to generate income for your retirement needs.

You may print HDB’s confirmation of your eligibility to rent out your flat by logging in with your SingPass at ‘My HDBPage’ > My Flat > Purchased Flat – Renting Out > Renting Out of Flat.

Ready to list your property and find your tenant?

Here are 12 steps in renting out your whole unit without an agent:

  1. Check Your Eligibility
  2. Check the Tenant’s Eligibility
  3. Check Your HDB Flat Occupancy Cap
  4. Find out the Home Rental Price
  5. Take Beautiful Photos of Your Home
  6. List your Property in 3 minutes
  7. Suggest Your Listing to ShoutOut in 3 Steps
  8. Create an Open House
  9. Accept an LOI
  10. Apply for HDB Approval
  11. Issue the Tenancy Agreement
  12. Prepare for the Handover

If you need help in doing the paperwork from HDB application, Tenancy Agreement, Inspection, Inventory List to handover, we provide Landlord Documentation Service at a fixed fee of $588. No hidden or upfront fees.

Ohmyhome has in-app ShoutOut feature where you can filter what tenants are looking for. Find your match instantly and suggest your listing!

Download Ohmyhome from Play Store or App Store now!


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