Adjoined HDB flats in Singapore: how to DIY your own jumbo flat

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For homeowners who need more space, but can’t afford to splash out on private property, jumbo HDB flats are a great option. One caveat: these flats are pretty rare, and it might be difficult to get your hands on one of them. Don’t give up and start looking at condominiums or landed property, though – you can always purchase two adjoining flats and convert them into a single property.

This (obviously!) isn’t as straightforward as buying a regular flat; you’ll need to get approval from HDB, and there are certain guidelines to keep in mind when you’re renovating your flat. But in exchange, you’ll get an exceptionally spacious apartment (up to 1,830 sqft worth of space!) at an irresistible price. We think it’s worth it!

Step 1: Get approval from HDB

First, download HDB’s conversion scheme application form. Complete the form, and submit it to their Resale Operations department. Then sit back, and wait to hear from HDB on whether you may proceed!

Step 2: Work out your finances

Let’s say you’re purchasing two adjoining flats at the same time. If that’s the case, you’ll be able to treat the two flats as a single unit, and apply for one housing loan to cover the purchase of both flats. In the event that you’re buying a flat that’s next to your current unit, however, you must first discharge your existing housing loan, before entering into a new loan.

Step 3: Converting your flats

Once you’ve purchased both flats, it’s time to convert the two flats into a single unit! Engage a registered renovation contractor, and have them construct one or more openings of at least 1 metre by 2 metres between the two units. On top of that, you’ll also need your contractor to remove the electricity, water and gas meters for one of the two flats.

Step 4: Selling your converted flat

What happens if you want to sell your converted flat? Like any other homeowner, you’ll have to wait till the Minimum Occupation Period is up before you do so. Do note that flats may not be subdivided once they’re converted.

In addition to this, if one of your two original flats was purchased from HDB, you’ll have to pay a resale levy when you sell your converted flat. If one of your original flats was your second purchase from HDB, you’ll also no longer be eligible to purchase property from HDB.

If you found this article helpful, 99.co recommends Housing hopes and dreams: what 20-somethings aspire to own and HDB terrace flats – what are they and where can I find them.

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