As HDB owners, the title deed is a crucial document that signifies ownership. But what if you find yourself in a situation where this important piece of paper goes missing? Don't panic; we're here to guide you through the steps to recover it.
Question: What if I lost my title deed?
Answer: Losing your HDB title deed can be distressing, but the first step is to conduct an extensive search. Check with the HDB or legal authorities to confirm if the title deed has been officially released to you. Typically, there should be a receipt for record purposes. Keep in mind that some deeds may date back as far as 20-30 years or even more.
Question: Checked, but HDB says it's given to us, and we don't have it.
Answer: If your search yields no results, it's time to escalate the matter. Submit an eFeedback to HDB promptly. In most cases, within 5 working days, an HDB officer will reach out to you. They may advise you on the next steps, which could involve changing or delaying your completion date if necessary.
Question: What happens next?
Answer: Once you've received a response, be prepared to sign a form provided by HDB. Following this, HDB's legal team will initiate the preparation of the Sale and Purchase Agreement (SD) and the Application for Subsidiary Certificate of Title (ASCT) for the sellers to sign before completion.
Here's a sample of the form
Important Steps to Note:
- The ASCT must be lodged and registered with the Singapore Land Authority (SLA) before completion can proceed. HDB will assist you with this.
- SLA typically takes about 2 to 3 weeks to process and issue the new title, so keep this timeline in mind.
- Ensure that the registration fee for ASCT and its conveyancing fee are paid promptly. Payment advices will be sent separately.
Fees:
Your Subsidiary Certificate of Title (SCT) is a valuable document that secures your HDB flat ownership.
To find out for fees, there's a Fee for Issue of Title on the SLA website that can give you a rough guide on the cost
Losing your HDB title deed might seem like a daunting situation, but with the right steps, it can be resolved efficiently. Remember to communicate promptly with HDB, follow their guidance, and stay organized throughout the process. Before you know it, you'll have a new title deed in hand, and your property matters will be back on track.
If you find yourself in such a situation, don't hesitate to take the necessary steps. Your property journey is important, and we're here to help you navigate through any challenges.