Eligibility – Conditions

Eligibility Conditions

 

Citizenship

  • You must be a Singapore Citizen
  • Public Scheme / Fiance/Fiancee Scheme / Orphans Scheme: Your family nucleus must comprise at least another Singapore Citizen or Singapore Permanent Resident.
  • Non-Citizen Spouse Scheme: Your spouse is not a Singapore Citizen or Singapore Permanent Resident

Read more about Promoting Citizenship in HDB Households

 

Age

You must be at least 21 years old at the time of application.

You must be at least 35 years old at the time of application to buy a 2-room flat in non-mature estates under the Build-To-Order System (BTO) exercise under the Single Singapore Citizen Scheme, Non-Citizen Spouse Scheme and Joint Singles Scheme.

 

Family Nucleus

You must form a family nucleus under one of the following schemes:

Scheme Family Nucleus
Public You, the applicant, and;- your spouse, and children (if any)- your parents, and siblings (if any)- your children under your legal custody, care and control (for widowed/ divorced)Definition of multi-generation family for the purchase of 3Gen flat
Fiance/FianceeAdditional Information You, the applicant, and your fiance/fianceeDefinition of multi-generation family for the purchase of 3Gen flat
OrphanAdditional Information You, the applicant, and your unmarried siblings
Single Singapore Citizen
#
You, the applicant, must be a First-timer and is:- unmarried , divorced or widowed
Non-Citizen Spouse
#Additional Information
You, the applicant must be a First-timer, and your spouse who is not a Singapore Citizen or Singapore Permanent Resident
Joint Single Scheme
#Additional Information
You, the applicant, and the co-applicants (up to a maximum of 4) must be First-timers and are:- unmarried , divorced or widowed

# Applicable to 2-room flat in the non-mature estates under the BTO

 

Income Ceiling

Type of Flat Average Gross Monthly Household Income
Buying a 3-room (mature towns/estates), 3-room (Premium), 4-room or bigger flat
  • Your average gross monthly household incomemust not exceed $10,000
  • If you are buying a flat with your extended family, your average gross monthly household incomemust not exceed $15,000

Illustration on computation of $15,000 income ceiling

Buying a standard 3-room (non-mature towns/estates) Your average gross monthly household income must not exceed $5,000.
Buying a 2-room Your average gross monthly household income must not exceed $5,000.

More information on the income guidelines

Special Requirement for Undischarged Bankrupts

Undischarged bankrupts need to seek the Official Assignee (OA)’s consent if they are applying for an HDB flat which is bigger than a 3Gen or a 5-room flat. However, they do not need to seek the OA’s approval to be listed as an occupier of an HDB flat regardless of flat type.

 

Ownership/Interest in Property in Singapore or Overseas other than HDB flats

You, your spouse, any occupiers listed in the Application Form or their spouses must not own or dispose or have an estate or interest in any other flat, house, building or land*

    • Within 30 months before the date of application, and
    • Between the application date and the date of taking possession of the flat

* includes but not limited to:

  • HUDC flats (Privatised and Non-Privatised)
  • Properties acquired by gift
  • Properties inherited as beneficiaries under a will or as a result of the Intestate Succession Act
  • Private properties
  • Properties owned/acquired/disposed through nominees regardless of properties location
Exemption to Exceptional Cases

HDB may consider granting exemption to exceptional cases based on the merits of each case. If you wish to seek exemption to buy a flat direct from HDB, please complete the property questionnaire and submit it to HDB.

 

Owners/Ex-owners of HDB flats / DBSS flats / EC units

Each eligible Singaporean household can buy the following housing unit only twice:

  • a flat from the HDB;
  • a resale flat with the CPF Housing Grant*;
  • a DBSS flat from developer;
  • an EC unit from developer.

*Only applicable for first-timer applicants

If you have already bought two housing units, you will not be eligible to apply or be listed as an essential occupier in an application.

 

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EC Housing Scheme

THE SINGAPORE EC PORTAL

 

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