Hi, There are 2 things to take note for change of ownership. 1) If DH wants to remove his name from HDB and change the ownership to his parents' names. His parents need to return DH's CPF used for the flat + interest. DH may login to HDB website to see this amount. This payment can be in CPF and Cash. However, if his parents do not have enough CPF, they need to pay in cash. 2) For change of ownership, his parents need to ask for a new loan. For your case, it will be bank loan. But you said bank won't grant the loan to his parents due to low income. That means you are left with 2 choices. (a) Settle HDB's full payment in cash. (b) Sell the house. There is another way to retain the flat by adding a family member's name to the flat. But this person must be willing to take up the flat.