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申明只是针对组屋讨论，公寓偶不熟悉。
举例，A和B合买一套组屋（不论是BTO还是RESALE），那么他们的持有类型只有2种Tenancy-in-Common或是Joint Tenancy。
根据HDB网站上的解释，
Tenancy-in-Common
If you are planning to buy a flat jointly with one or more persons (up to a maximum of four persons), you must decide how you and the other co-owners would want to hold the property. Under Tenancy-in-Common, each co-owner holds a separate and definite share of the flat. Nevertheless, all the co-owners are entitled to use the whole flat, not considering their share of the property. On the death of any co-owner, his/her interest in the flat will be distributed according to the will, if any. If there is no will, his/her interest in the flat will be distributed to the beneficiaries in accordance with the Intestate Succession Act.
Joint Tenancy
If you are buying the resale flat jointly with one or more persons (up to a maximum of fours persons), you need to decide how you and the other co-owners would want to hold the property. Under Joint Tenancy, all the owners have an equal interest in the flat regardless of how much each co-owner has contributed to the purchase of the flat. The right of survivorship applies here. This means that should any co-owner die, his interest in the flat would be automatically passed on to the remaining co-owners. This is irrespective of whether a will had been made by the deceased co-owner.
如果选择Tenancy-in-Common，那么A和B可以自行决定所持有的房屋比率，是50%对50%，还是其他比率，他们可以自行对所持有的比率立下遗嘱，以后一方离世，他的那一份不会自动给生存的一方，要按照遗嘱分配，没有遗嘱就要按照法律规定的分配。
如果选择Joint Tenancy，那么A和B所持有的房屋比率只有50：50一种，这种条件下不受一方遗嘱的约束，也就是说，如果一方离世，他的50%会自动到另一方，就算里遗嘱也没有用。
至于这2种情况下，如果双方都在世时，要卖了屋子后再分配卖屋收益，我知道的案例是也是遵循买屋时定下的比率，如果有大的争议就只有上法庭了。
有些购屋者认为选择了Joint Tenancy，那么一方过世后，如果贷款还未还完，那么在世的一方是不需要再还得，我有问过HDB的OFFICER，回答是要根据当时所买的保险数额，如果不够覆盖还是要补足剩余的部分。
同时，如果选择Tenancy-in-Common，也是可以通过双方都买房屋保险来实现，一方有事另一方用保险偿还贷款的。
新年将至，所举的例子只是希望大家明白房屋的知识（TOUCHWOOD）。
如果我有说的不充分的地方，请能人们补充。
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