What is next for HDB and Singapore Housing Year 2027/2028 | Renting an HDB Flat or Bedroom: Tenant Rights, Deposits, Stamp Duty and Safe Agreements

A person renting an HDB whole flat or bedroom in 2027 or 2028 should verify the landlord, visit the property, check HDB rental approval or registration, and read a proper tenancy agreement before paying. The contract should explain rent, deposit, utility bills, repairs, privacy and moving-out obligations. HDB generally requires a minimum six-month rental period, and tenant citizenship or immigration status affects the permitted maximum term.

An important scheduled change affects larger flats: the current temporary allowance of eight whole-flat tenants in four-room and larger homes is set to revert to six for rental periods extending beyond 31 December 2028, subject to any later revisions. Separately, IRAS generally charges stamp duty on a qualifying written lease, commonly 0.4% of the relevant rental amount for tenancies of four years or less. An HDB rental agreement is not simply a deposit transferred to an advertisement contact.

This guide is written from the tenant’s perspective. It explains how to avoid rental scams, distinguish a legal whole-flat tenancy from room rental, understand deposit and repair clauses, calculate lease duty and protect personal records. It also covers the 2028 occupancy issue, handover and renewal, and appropriate routes for a contractual dispute.

Quick checks before paying rental money

Visit the flat and independently verify the landlord’s ownership or authority.
For a whole-flat tenancy, inspect the relevant HDB rental approval.
Ordinary HDB tenancy minimum: six months.
Maximum approval generally three years for Singaporeans/Malaysians and two for other non-citizens.
Tourists are not eligible HDB flat tenants.
Current four-room-and-larger occupancy limit of eight is scheduled to revert to six for terms extending beyond 31 December 2028.
Use a written agreement stating deposit, rent, utilities, repairs and notice clearly.
HDB rental transaction monies should go to the legitimate landlord, not a property agent.
Stamp written tenancy agreements through IRAS where required.

Tenant’s complete chapter guide

1. A tenant needs more than a room key
2. Current rules versus future 2028 changes
3. Whole-flat rental and room rental are legally different
4. Confirm the landlord really controls the property
5. Check HDB’s approval for a whole-flat tenancy
6. Bedroom rental requires lawful registration and residence
7. Minimum stay is six months
8. Maximum approval periods depend on citizenship
9. Non-citizen tenants need valid immigration passes
10. The non-citizen rental quota applies to whole flats
11. Occupancy limits depend on flat size
12. The 2028 cap should be written into long-term planning
13. A written tenancy agreement is protective
14. Identify the landlord and every tenant
15. A rental deposit is governed by the contract
16. Rent should go to the verified landlord
17. Understand who pays the agent’s commission
18. Lease duty applies to written rental agreements
19. A simple stamp-duty example
20. Electronic messages can form stampable agreements
21. Know the timetable for paying stamp duty
22. Repair responsibilities must be specific
23. Make an inventory with photographs
24. Utilities can be included or charged separately
25. Privacy and landlord access matter
26. Roommate arrangements should be discussed early
27. Guests and additional occupants are different
28. Short-term accommodation is not a workaround
29. Disputes about deposits need an evidence trail
30. Small Claims Tribunals have eligibility limits
31. Renewal is a new negotiation
32. Moving out should have a documented process
33. Avoid rental scams in the 2027 market
34. A family renting before BTO keys
35. A tenant’s 2027–2028 decision checklist
36. Mastery means a stable home, not merely a cheap room

1. A tenant needs more than a room key

Renting an HDB home can offer useful flexibility to someone starting work, living near family, waiting for a BTO flat or managing a temporary life transition. But a rental agreement creates obligations on both sides. The tenant needs a safe, lawful place to live, while the owner needs accurate occupancy records, compliant use and predictable payments. A listing that looks attractive online cannot prove these conditions are satisfied.

Before transferring money, the prospective tenant should identify whether the offer concerns a whole flat or one bedroom, who legally owns the property, and whether HDB’s rental conditions permit the intended arrangement. That sequence is not bureaucratic overkill. It is how the tenant avoids paying for a home they may not legally occupy.

2. Current rules versus future 2028 changes

As of November 2026, HDB rental stays generally require a minimum tenancy of six months. The permitted maximum per HDB approval is ordinarily three years for Singaporeans and Malaysians and two years for non-Malaysian non-citizens. One important time-specific issue is that the temporarily increased eight-person occupancy limit in larger flats is scheduled to revert to six for rental arrangements extending beyond 31 December 2028.

This is a confirmed date-sensitive policy, not an assumption about future rents or demand. Actual rental prices for a particular block in 2028 cannot be guaranteed today. A useful renter guide explains the current legal boundaries and helps households create agreements that still make sense when rules, jobs and market conditions change.

3. Whole-flat rental and room rental are legally different

A whole-flat tenant has a tenancy arrangement to use the entire rented HDB apartment under the agreement, subject to law and the landlord’s obligations. A room tenant normally shares kitchen, bathroom or living facilities with the owner or other lawful occupants. HDB uses different owner-permission and occupancy arrangements for the two routes, so the tenant should not mistake a furnished room listing for a whole-property tenancy.

Ask who else will live there, which facilities are shared, and whether the property will be occupied by the owner. The contract should reflect the actual arrangement. A landlord promising exclusive use of a flat while secretly continuing to live there creates a mismatch that can produce disputes and possibly HDB compliance problems.

4. Confirm the landlord really controls the property

CEA recommends that tenants visit the property and verify the landlord’s identity and ownership before paying. Supporting evidence might include appropriate ownership-related records or service statements, with personal data protected. If a representative signs, the tenant should understand the authority under which that person acts.

Be cautious of someone who claims to be overseas, refuses a physical viewing and demands an instant deposit to reserve the unit. Legitimate rental transactions can involve remote owners, but there should still be verifiable authority and a lawful way to inspect and contract. A property advertisement alone is not proof of ownership.

5. Check HDB’s approval for a whole-flat tenancy

A Singapore Citizen flat owner who has satisfied the applicable MOP may apply to rent out an eligible whole flat. Singapore Permanent Resident owners generally cannot rent out their entire HDB flat, and new Plus and Prime flats are subject to whole-flat rental prohibitions even after their ten-year MOP. For other eligible owners, formal HDB approval is required.

CEA advises whole-flat tenants to see the landlord’s HDB approval letter. Check that the approval and duration match the transaction, and understand that approval is not an endorsement of the contract’s every commercial term. If the landlord cannot demonstrate entitlement, pause the transaction and seek confirmation.

6. Bedroom rental requires lawful registration and residence

When a room is rented out under HDB rules, the owner must comply with the relevant registration or notification requirements and the applicable occupancy conditions. The owner’s presence and use of the home can be central to which room-rental route is permitted. A renter should not assume that a property becomes lawful just because several other tenants already live there.

Ask for the actual list of authorised occupants and how the household shares facilities. If the owner promises to be absent permanently while renting all rooms separately, check whether the proposed structure amounts to an unapproved whole-flat rental. A tenant should not be drawn into a scheme that relies on a false household declaration.

7. Minimum stay is six months

HDB’s current rental guidance generally sets a minimum period of six months for whole-flat and bedroom rentals. This makes an ordinary HDB room different from short-term tourist accommodation. Daily, weekly or one-month stays marketed like a hotel should raise questions about whether the property can lawfully be used that way.

Someone needing accommodation for only a few weeks should explore suitable legitimate alternatives instead of assuming the landlord can issue a short informal agreement. A rental contract that conflicts with HDB requirements may fail to deliver the housing security the tenant expects.

8. Maximum approval periods depend on citizenship

CEA summarises the approved maximum tenancy periods as up to three years for Singaporeans and Malaysians per application, and up to two years for other non-citizens. These are approval-period limits, not guaranteed rights to occupy for that length of time. Contract renewal and further HDB permissions may be required.

A tenant planning to stay several years should clarify the renewal process before signing, particularly where children need stable schooling or the household has ongoing caregiving needs. A promise to rent for five uninterrupted years may be inconsistent with the approval cycles and should be checked.

9. Non-citizen tenants need valid immigration passes

HDB permits qualifying non-citizens who are legally residing in Singapore on specified work, student or family passes, with a minimum six-month pass validity at application. Tourists are not eligible HDB tenants. Particular Work Permit sectors can have restrictions, including Malaysian nationality requirements for some occupations.

Check the actual pass category and expiry. A landlord cannot supply the immigration permission a tenant lacks, and a valid tenancy agreement does not extend a work or visit pass. Residents should keep housing and immigration records aligned and report relevant status changes through proper channels.

10. The non-citizen rental quota applies to whole flats

For whole-flat rental, HDB’s Non-Citizen quota can restrict rentals to non-Malaysian non-citizens at block and neighbourhood levels. The current quota is eight percent at neighbourhood level and eleven percent at block level under the published policy. Malaysian tenants and some qualifying mixed households receive different treatment, while the quota does not apply to rental of bedrooms.

These rules can change the practical tenant pool for a particular unit. A prospective foreign tenant should not treat a landlord’s friendly acceptance as final eligibility if quota conditions have not been checked. The quota is a policy rule, not a judgement about the tenant’s personal character.

11. Occupancy limits depend on flat size

Under the temporary rules in force as at November 2026, HDB lists up to four whole-flat tenants for one- and two-room flats, six for three-room flats, and eight for four-room and larger flats. It also notes an exception for tenants forming a single family unit and that the larger-flat cap returns to six for rental periods extending beyond 31 December 2028.

Before moving in, confirm the number of people already lawfully living in the property and how the actual arrangement meets HDB’s rules. A crowded flat may be uncomfortable and unsafe even if an unusually large family qualifies for a particular exception. Good housing should provide sufficient privacy, sanitation and access, not merely fit a legal maximum.

12. The 2028 cap should be written into long-term planning

A tenancy running from 2027 into 2029 may cross the scheduled end of the temporary eight-occupant allowance for larger flats. This means a landlord offering beds to eight unrelated tenants should not assume that the current temporary arrangement will remain lawful after 2028. The precise rules for an existing approval and renewal need to be read at the relevant time.

Ask how the household will manage a required reduction in occupancy, which rooms or leases are affected, and whether the contract’s terms would be consistent with regulatory obligations. A tenant should not discover this issue only after moving in and paying a large deposit.

13. A written tenancy agreement is protective

CEA provides a sample HDB tenancy agreement and encourages parties to negotiate terms suitable for their arrangement. A written contract makes the agreed rent, deposit, duration, utilities, repair responsibilities and termination rules visible. The template is optional rather than a compulsory government contract, but it offers a useful checklist.

Read every clause before signing. A statement that ‘this is the standard HDB form’ should not discourage questions about a term that is unusually one-sided. Ask for a copy of the final signed document and confirm that it matches the version you reviewed. Verbal side promises can be difficult to enforce later.

14. Identify the landlord and every tenant

The agreement should specify the legal landlord, authorised property address, intended tenants and the actual premises being rented. For a bedroom, identify the bedroom and shared areas clearly. Confusion over whether the contract grants exclusive use of a study, storage room or air-conditioner can cause unnecessary disputes after the tenant has moved.

Do not let an intermediary replace the owner’s name with a nickname or an unrelated company without explaining its authority. Verify who receives rent and who is responsible for repairs. A contract is easier to follow when each party’s legal identity and contact route are unambiguous.

15. A rental deposit is governed by the contract

Security deposits are commonly used to secure payment and performance of the tenant’s obligations. But there is no blanket rule that every HDB tenancy must use an identical deposit amount, and deductions should follow the agreement and applicable law. The parties should define how damage is assessed and when any balance will be returned.

Before paying, photograph the initial condition and record all existing defects in an inventory agreed with the landlord. Otherwise the tenant may later be blamed for stains, chipped tiles or appliance wear that existed before occupation. A well-documented handover protects honest tenants and landlords alike.

16. Rent should go to the verified landlord

CEA’s consumer guidance warns tenants not to send rental deposits or ongoing rent through a property agent or unrelated third party. Under the Estate Agents Act, agents are not allowed to handle transaction money for HDB rental properties. Use a traceable direct payment method to the verified landlord or legitimate authorised recipient.

An unusual request to send an urgent deposit to a personal account belonging to an agent’s friend is a serious warning sign. Independently verify the instructions, retain bank records and never share Singpass credentials. A legitimate landlord should be able to explain the payee and purpose of every payment.

17. Understand who pays the agent’s commission

Property agency commissions are negotiable and depend on the agreement between the customer and the property agent. A tenant should not assume that every landlord-appointed agent automatically represents the tenant. If you engage your own agent, agree the fee, scope and payment trigger before work begins.

CEA’s Public Register is available for checking the licence and salesperson details. Be wary of demands for booking deposits from an unregistered online profile claiming to be an agent. The existence of an agency name in a social-media advertisement is not enough; verify the person actually handling the transaction.

18. Lease duty applies to written rental agreements

IRAS charges stamp duty on qualifying written tenancy agreements for rooms and whole flats. For leases of four years or less with average annual rent above the exemption threshold, the current lease duty rate is 0.4% of the total contractual or relevant market rent, whichever is higher. Longer or indefinite tenancies use a different calculation based on four times the average annual rent.

Stamp duty is a cost of formalising the tenancy, not a refundable security deposit. The agreement may specify who bears it; when it does not, the ordinary statutory position typically falls on the tenant. Use IRAS’s e-Stamping service and current rules rather than a property agent’s unexplained cash surcharge.

19. A simple stamp-duty example

Suppose a room is rented for $1,200 a month for twelve months with no additional rent-related consideration. Total contractual rent is $14,400, and 0.4% is $57.60 under the standard short-lease calculation. IRAS’s rounding rules then apply to determine the payable dollar amount. This is a teaching example, not a statement of the actual duty for every contract.

If utilities, furniture or other consideration is bundled into the rental arrangements, the official assessed amount can differ. Check the precise document and the online calculator. A tenant should keep the stamped record with the lease because it demonstrates that an important tax obligation was addressed.

20. Electronic messages can form stampable agreements

IRAS explains that electronic agreements, including contracts formed by relevant messages, can be subject to lease duty. A household should not assume that a tenancy becomes stamp-duty-free merely because the terms were agreed through email or an instant-message exchange instead of printed paper. The legal and tax effect depends on the transaction.

A purely verbal arrangement can fall under a different stamp-duty treatment, but avoiding a written agreement to escape a small tax creates other risks. Important rental terms are better documented properly. Seek IRAS guidance if there is uncertainty about whether the correspondence constitutes a stampable agreement.

21. Know the timetable for paying stamp duty

IRAS generally requires lease duty to be paid within the specified period after signing: commonly fourteen days if the document is signed in Singapore, or thirty days after receipt in Singapore where it is executed overseas. Late stamping can lead to penalties. The taxpayer should check the actual execution circumstances and current IRAS deadline.

Include the due date in the first-month moving checklist. The party responsible under the agreement should arrange e-Stamping and preserve proof of payment. Stamp duty should not be treated as something a tenant can indefinitely postpone until the end of the tenancy.

22. Repair responsibilities must be specific

A tenancy agreement should explain the difference between ordinary wear, tenant-caused damage, minor repairs and major repairs for which the landlord remains responsible. Air-conditioning servicing, plumbing faults, appliance replacement and water leaks often cause disputes because parties assume the other side will pay. CEA’s optional template provides a starting structure for negotiating these terms.

Before signing, ask who selects contractors, what approval is needed before repairs and how urgent issues should be reported. A tenant should not attempt unsafe electrical or plumbing work merely because the landlord is slow to reply. Keep written records and seek qualified help for hazards under the agreed and lawful process.

23. Make an inventory with photographs

On moving day, record the condition of walls, floors, fixtures, windows, air-conditioners, plumbing and appliances. Include serial numbers where useful, identify existing defects and photograph meter readings. Send the inventory to the landlord promptly and ask them to acknowledge it. This creates a shared baseline rather than relying on differing memories at move-out.

Do not photograph other tenants’ private belongings or identity documents unnecessarily. Focus on the leased property and the items supplied with it. Good records make it easier to distinguish wear through ordinary use from damage requiring repair, especially where the deposit may be at stake.

24. Utilities can be included or charged separately

A room listing may include electricity and water up to an agreed limit, while a whole-flat tenant may hold a separate utilities account. Some landlords apply extra charges for air-conditioning, internet or cleaning. The agreement should state the arrangement transparently and describe how excess use is calculated.

Ask to see how bills will be shared where several tenants use the same meter. A vague promise that ‘utilities are reasonable’ creates disputes when a hot month brings higher electricity consumption. A fair arrangement explains the basis of calculation before anyone starts using the property.

25. Privacy and landlord access matter

A tenancy gives the tenant defined rights to use the rented premises under the contract and law. Landlord inspections, repairs and entry should be addressed through reasonable notice and emergency exceptions in the agreement. Shared-room or co-living arrangements may have additional rules for common spaces, but that does not justify arbitrary entry into a private room.

Discuss keys, notice and emergency contacts at the start. A renter should be able to feel secure at home, and the owner should be able to arrange necessary repairs lawfully. Clear expectations can prevent disputes about visits that one party considers routine and the other experiences as intrusive.

26. Roommate arrangements should be discussed early

Sharing a flat involves ordinary practical matters beyond the legal tenancy. Noise, cooking, guest visits, rubbish, common-space cleaning and laundry can become major sources of friction when nobody has agreed on expectations. A household that shares two bathrooms among several adults will work differently from one where the owner lives alone with a single room tenant.

Ask who has access to each facility and whether there are reasonable house rules. These should not contradict statutory protections or permit discrimination contrary to law, but they can clarify daily responsibilities. A brief written shared-living agreement can reduce conflict without turning every small issue into a legal dispute.

27. Guests and additional occupants are different

A normal guest visiting a tenant is not necessarily the same as adding an unauthorised resident or subtenant. HDB occupancy rules and the lease may limit who can live in the flat. Renting out a bedroom again to a third party without permission can breach both the private agreement and HDB conditions.

Understand any guest policy and discuss unusual long-term visits in advance. When a partner or relative intends to move in, verify whether the HDB-approved occupant count and tenancy details must be updated. Hidden occupancy can create overcrowding, safety risks and an unexpectedly unstable tenancy.

28. Short-term accommodation is not a workaround

An HDB flat or bedroom cannot ordinarily be rented for a few nights as visitor lodging. A listing advertised on a holiday platform does not automatically make the accommodation legal. Prospective tenants should be cautious about owners who offer a one-month ‘trial’ while avoiding HDB records.

If the household needs temporary accommodation for only weeks, research lawful alternatives with appropriate terms. The renter should not accept a risky illegal arrangement merely because it seems cheaper than serviced accommodation. The potential consequences of forced relocation can far exceed the initial apparent saving.

29. Disputes about deposits need an evidence trail

At the end of a tenancy, landlords and tenants may disagree over damage, cleaning costs, unpaid bills or the timing of a deposit refund. CEA explains that ordinary private contractual disputes over deposits do not fall within its disciplinary authority unless estate agency work is involved. The correct forum may be negotiation, mediation, the Small Claims Tribunals where the claim qualifies, or legal action.

Keep the tenancy agreement, initial and final inventories, photographs, payment records and messages. Make specific written requests rather than simply accusing the other party of dishonesty. A clear account of what was paid, what deduction is proposed and which clause supports it is far easier to resolve than a dispute based on general frustration.

30. Small Claims Tribunals have eligibility limits

Singapore’s Small Claims Tribunals can hear certain qualifying disputes, including some residential tenancy matters, within monetary and subject-matter limits. Not every landlord-tenant disagreement is automatically covered, and the filing rules and timelines matter. State Courts’ published guidance should be checked before paying a filing fee.

A tenant with a modest disputed deposit may find the SCT process relevant, while a complex ownership or eviction dispute may require different legal advice. CEA does not act as a general rental-deposit collection agency. Identify the nature of the dispute first and choose the appropriate route.

31. Renewal is a new negotiation

A current tenancy ending does not automatically guarantee that the same rent and terms continue for another period. The parties need to understand whether the agreement contains a renewal option, notice requirements, proposed new rent and any additional HDB approval needed. Extensions for non-Malaysian non-citizens can be subject to shorter maximum approval periods.

Discuss renewal several months before expiry where possible. A family with children or an employer dependent on stable housing should not leave the question to the final weekend. Compare the cost of renewal with moving costs, school disruptions and the quality of the existing tenancy rather than focusing only on the headline monthly rent.

32. Moving out should have a documented process

Before handing back the room or flat, clean according to the contract, remove personal property, settle utility obligations, return keys and arrange an inspection with the landlord. Photograph the condition and record meter readings. Ask for a clear statement of any proposed deposit deductions and the agreed refund date.

Do not simply stop paying the final month’s rent in the hope that the landlord will deduct it from the security deposit, unless the contract or a written agreement specifically permits that. Deposits normally serve a different contractual purpose from regular rent. A proper closeout helps both sides avoid later claims.

33. Avoid rental scams in the 2027 market

Scammers may copy genuine HDB photographs, use agent names without authorisation or claim many tenants are competing for a room that cannot be viewed. The safest response is to verify the agent’s registration, visit the premises, establish ownership and pay only by traceable methods to a legitimate party. Never transfer money because someone says a deposit must arrive in the next ten minutes to keep your place.

A legitimate rental process can accommodate reasonable checks. If an agent refuses to identify the landlord or cannot explain how an HDB approval applies, walk away. Do not provide Singpass credentials, bank login details or one-time passwords to anyone arranging a viewing.

34. A family renting before BTO keys

Consider a couple with a booked but uncompleted BTO flat. Their temporary private rental should be compared with approved alternatives such as the Parenthood Provisional Housing Scheme, where eligible, but PPHS allocation is not guaranteed. The couple should also allow for construction uncertainty and the cost of leaving the rental home when keys are eventually collected.

Negotiate a tenancy length that does not create a severe penalty if completion happens early, but also understand the risk of a delayed BTO. A flexible plan is more valuable than a rigid lease that assumes a projected completion date cannot change. Keep the rental agreement independent from promises about the new flat.

35. A tenant’s 2027–2028 decision checklist

Confirm the landlord, ownership and HDB approval; verify tenant immigration eligibility where applicable; check the legal occupancy limit and tenancy duration; inspect the home; agree rent, deposit, utilities, repairs and notice terms; pay lease duty where required; keep inventory photographs; and retain legitimate payment records.

Before renewal in 2028, check any updated HDB rules, particularly the scheduled occupancy cap change after December 2028 for larger flats. No general online guide can promise a fixed rent or uniform contractual refund right for every property. The tenant’s own agreement and prevailing law remain the controlling documents.

36. Mastery means a stable home, not merely a cheap room

A renter understands the market when they can distinguish a whole-flat approval from a room registration, identify lawful tenancy length and occupancy, verify the landlord, calculate stamp duty and explain what the contract says about deposits, repairs and termination. They know where CEA’s authority ends and where private civil dispute procedures may begin.

The best arrangement is lawful, safe, transparent and compatible with everyday life. Paying a little more for a trustworthy landlord and clear agreement can be better than an attractive bargain that creates insecurity. These are decision skills a tenant can carry into any HDB rental search in 2027, 2028 and beyond.

Frequently asked questions

Can I rent an HDB flat for one month?

Ordinary HDB flat and room tenancies generally have a minimum six-month period.

Does a whole-flat landlord need HDB approval?

Yes, under the applicable whole-flat rental conditions.

Can an SPR owner rent out an entire HDB flat?

Generally no under HDB’s current policy.

Can a Prime or Plus owner rent out the whole flat after MOP?

No, those new classifications prohibit whole-flat renting.

Can a tourist rent an HDB bedroom?

Tourists are not eligible tenants under the HDB private rental framework.

How long can a Malaysian rent under one HDB approval?

Up to three years under the current CEA summary, subject to the agreement and HDB approval.

How long can a non-Malaysian foreign tenant rent?

Up to two years per applicable HDB approval.

What happens to the eight-occupant cap in 2028?

The temporary limit for larger flats is set to revert to six for rental periods extending beyond 31 December 2028, subject to future rules.

Must a tenant pay stamp duty for a room tenancy?

Qualifying written room tenancy agreements are stampable.

How is lease duty calculated for short leases?

Generally 0.4% of total relevant rental value for terms up to four years, with an annual rent exemption threshold and rounding rules.

Can I send the security deposit to an agent?

CEA advises not to; agents cannot handle HDB rental transaction money.

Is a one-month deposit compulsory by statute?

Deposit amount and return conditions depend on contract terms and applicable law, rather than one universal requirement.

Will CEA decide my landlord’s deposit dispute?

CEA does not normally adjudicate private deposit disputes unrelated to estate agency work.

Can I take a deposit dispute to SCT?

Some qualifying tenancy disputes can be filed, subject to the court’s limits and eligibility.

How can I avoid a fake HDB rental listing?

Verify ownership, HDB approval, the agent and property in person before paying.

Official HDB, CEA, IRAS and court resources

Related eduKateSG housing guides

Reviewed against official guidance available on 5 November 2026. Specific tenancy rights depend on the contract and applicable law. The scheduled 2028 occupancy rule should be rechecked at the point of entering or renewing a tenancy. This is general information, not legal advice.