What Rights do you have with your HDB Flat, even renting a room you need HDB approval, unlike private 99 year leasehold properties, do not BS us


A leasehold estate is an ownership of a temporary right to hold land or property in which a lessee or a tenant holds rights of real property by some form of title from a lessor or landlord. Although a tenant does hold rights to real property, a Leasehold Estate Is Typically Considered Personal Property.
Leasehold is a form of land tenure or property tenure where one party buys the right to occupy land or a building for a given length of time. As lease is a legal estate, leasehold estate can be bought and sold on the open market. A leasehold thus differs from a freehold or fee simple where the ownership of a property is purchased outright and thereafter held for an indeterminate length of time, and also differs from a tenancy where a property is let (rented) on a periodic basis such as weekly or monthly.
You only own a leasehold property for a fixed period of time. You’ll have a legal agreement with the landlord (sometimes known as the ‘freeholder’) called a ‘lease’. This tells you how many years you’ll own the property. Ownership of the property returns to the landlord when the lease comes to an end. The end value of lease term is also fully depreciated



Since the issue of redevelopment is topical it is necessary to differentiate condos and hdb flats since both are on 99year leased land. In the case of private condos, many are on 99year leases but all the units have a strata title. A strata title defines the unit size and its undivided share of the land. For example, lets say there are 100 units in the condo, therefore each unit strata owner has a 1/100 share of the land should the condo be enblocked to a new developer. Say there are 50 years left of the lease. The new developer pays to SLA a top-up sum based on a formular to bring the lease back up to its original 99year tanure status. Usually developers do enblock purchases because URA has assigned increased plot ratio. This enhanced plot ratio is a previlege that has to be purchased. It is not an entitlement. In the case of HDB flats ‘owners’ have only purchased a 99year lease. They have no share of the land unlike private condos sold under strata title. The simple difference is one is a strata title and the other is only a lease even though both lands are 99year leases. It will be interesting how the compensation will be computed in VERS.

by Tay Kheng Soon
an architect & NUS lecturer

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Author: Gilbert Tan TS

IT expert with more than 20 years experience in Multiple OS, Security, Data & Internet , Interests include AI and Big Data, Internet and multimedia. An experienced Real Estate agent, Insurance agent, and a Futures trader. I am capable of finding any answers in the world you want as long as there are reports available online for me to do my own research to bring you closest to all the unsolved mysteries in this world, because I can find all the paths to the Truth, and what the Future holds. All I need is to observe, test and probe to research on anything I want, what you need to do will take months to achieve, all I need is a few hours.​

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