I found out the following HDB loophole for those who wanna get a
flat.
As most of us know, to get a HDB flat before the age of 35 you
must register under 2 names, either siblings or as ROMed couple.
Recently I got to know a few unROMed couples who manage to get a
HDB flat without showing their ROM certifcates. As the proccess
goes, after collecting the keys to your flat, you must produce a
ROM cert to the HDB within 6 months. Many people do not do this but
are left in peace to live their lives in the new flat. I have know
couples who broke up after applying for a flat but they still get
the unit and one of the family are living there. Then there are
those who did not register their marriage and still live there.
These people have been living there for years and HDB do not even
know that they are living there without documentation.
This is a loophole which i believe many exploit and HDB are
ignoring it or not doing their job. These people causes many people
who really needs housing to wait for many years to get one. HDB
should start checking on all the documents and get these people to
produce their documents or else its not fair to others.
In my view, I don't really think its a loophole per say. I can
imagine genuine cases whereby couples fell in love, registered and
paid for the HDB, but somewhere in the middle, the relationship
sours. If the govt steps in and add in the HDB legislation ontop of
the relationship woes, I can imagine the stress increased upon the
couple.
In addition, by ignoring this grey area, the existence of the
flat could probably persuade the bickering couples to set their
differences aside and attempt to preserve their marraige instead of
rushing of to the divorce courts.
Just my 2cts.