General Conditions For Purchase of Flat
GENERAL CONDITIONS FOR PURCHASE OF A FLAT
UNDER BUILD-TO-ORDER SYSTEM (BTO)



1.APPLICATION CONDITIONS AND PROCEDURES
1.1Submission of Application Form
1.2Documents to Submit
1.3Correspondence Address for Application

2.ELIGIBILITY CONDITIONS
2.1Family Nucleus
2.2Citizenship
2.3Age
2.4Income Ceiling
2.5Financing
2.6Ownership / Interest in Property
2.7Payment of Premium / Levy
2.8Time Bar
2.9Owner or Ex-owner of Second Flat Bought from HDB

3.OTHER CONDITIONS
3.1Non-Deletion of Essential Occupier
3.2Change of Applicant / Occupier
3.3Outstanding Debts Owing to HDB
3.4Debarment
3.5Ethnic Classification

4.PRIORITY SCHEMES
4.1Important Notes
4.2Tenants' Priority Scheme
4.3Third Child Priority Scheme
4.4Married Applicant(s) Staying Near/With Parents/Married Child(ren) Scheme

5.MORE CHANCES FOR FIRST-TIMERS

6.SELECTION OF FLAT

7.APPLICATION FOR MORTGAGE LOAN
7.1Loan Eligibility
7.2HDB Loan Eligibility Letter (HLE)
7.3Mortgage Loan from Banks/Financial Institutions

8.SIGNING AGREEMENT FOR LEASE

9.TAKING POSSESSION OF NEW FLAT

10.FORFEITURE UPON REJECTION OF FLAT

10.1Before Signing Agreement for Lease
10.2After Signing Agreement for Lease





1. APPLICATIONS CONDITIONS AND PROCEDURES

1.1Submission of Application Form

(a)Applications must be submitted electronically via the HDB InfoWEB for buying a flat under the Build-To-Order System (BTO). Applicants must pay a non-refundable administrative fee of $10 by way of CashCard/Credit Card (Visa/Master Card).

(b)The applicant and any family member listed in the application can only submit one application under this BTO exercise. If the applicant or any member listed in the application is listed in more than one application, all the applications will be disqualified.

(c)Applicants who have earlier booked a flat from HDB but wish to participate in this BTO exercise will have to cancel their booking first, before submitting a new application under this exercise (subject to current eligibility conditions). The usual forfeiture for such cancellation will apply.

(d)With effect from the May 2008 BTO exercise, applicants who are given an opportunity to book a flat will be deemed successful in their flat application. HDB will allow these applicants a maximum of two (2) successful attempts to book a flat. First-Timer applicants who do not book a flat after two (2) successful applications will no longer be able to enjoy the benefits given to First-Timers when they participate in any HDB sales exercises, for a period of one year.

(e)First-Timer applicants whose First-Timer status are removed in 1.1(d) above, would no longer enjoy the following when they apply for a flat in any HDB sales exercise within the one year period:
(i)2 chances in the ballot for a First-Timer applicant;
(ii)2 more chances (i.e. a total of 4) if the First-Timer applicant applies under the Married Child Priority Scheme (MCPS);
(iii)Additional chances for subsequent tries for First-Timer applicants who are not invited to select a flat in more than 2 attempts; and
(iv)Balloting in the 90% of flat supply for public applicants set aside for First-Timer applicants, i.e. they can only ballot in the 10% allocated for second-timers.

(f)Any request for cancellation of application must be submitted and received by HDB within the application period. If the cancellation request is received by HDB after the application period, the cancelled application will still be included in the balloting process and be given a balloted queue number accordingly. If the applicant has a chance to select a flat based on his balloted queue number, the cancelled application would be treated as one successful application and all the additional chances accumulated from previous unsuccessful applications, if any, will be nullified.


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1.2Documents to Submit
Applicants must submit the following documents of all persons listed in the Application Form for verification and registration of the application when requested by HDB:

(a)Copy of Identity Cards of ALL persons (including occupiers) listed in the application. If you are in the service of SAF/Civil Defence/Police Force, you are required to obtain a certified true copy of your Singapore pink/blue identity card from your Personnel Department on the appointed date.
(b)Copy of Birth Certificates : for proof of relationship
(c)Copy of Passport for Non-Citizens to verify residential status in Singapore
(d)Income Documents :

(i)Employed
(1)Latest original payslip; or
(2)Latest income letter from employer (which must bear either the company’s letterhead or stamp and the name and designation of the signatory) stating the current gross monthly income of the employed person.

(ii)Self-Employed persons
(1)Latest income tax assessment; or
(2)Certified Statement of Accounts from an Audit Firm; and
(3)Valid Accounting & Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) / Valid license of business / trade; and
(4)Statutory Declaration* to declare the average monthly income for the past 12 months.

(iii)Commission-based Persons
(1)Latest 12 months commission statements/ payslips; or
(2)Letter from employer stating past 12 months commissions (which must bear either the company's letterhead or stamp and the name and designation of the signatory).

(iv)Part-time Worker
(1)Monthly-rated part-time employee with fixed monthly salary is required to submit a letter from employer stating his/her permanent staff status and salary received (which must bear either the company’s letterhead or stamp and the name and designation of the signatory).
(2)Hourly-rated part-time employee with variable salary is required to submit the latest 12 months payslips or Letter from employer stating past 12 months salary (which must bear either the company’s letterhead or stamp and the name and designation of the signatory).

(v)Odd-Job Worker
Latest income tax assessment.

(vi)Unemployed
Statutory Declaration* to declare the period of unemployment with no income
*Statutory Declaration may be executed at the Sales Office at HDB Hub or at any HDB Branch Office.


(e)Copy of Student Pass or Letter from School/College/Institute of Learning for persons who are 18 years old and above: to confirm student status.
(f)Copy of Marriage Certificate / Deed of Separation / Divorce Documents (if applicable): to verify marital status.
(g)Copy of Death Certificate of spouse (if applicable): to verify demise of spouse.


Note: In processing the application, HDB has the right to rely on its own records and/or other relevant authorities at any time.

The applicant must produce the original documents whenever required. He must also submit any other documents requested by HDB. HDB has the right to cancel/not register the application if the applicant fails to submit the above or any other documents as required.

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1.3Correspondence Address for Application
(a)HDB will obtain Applicant 1’s NRIC address from National Registration Office and use it as the correspondence address for the applicant. If there is a change in the NRIC address and the applicant has made a report of the change in accordance with National Registration Act, he shall be deemed to have notified HDB of the change of NRIC address.

(b)If Applicant 1 wishes to use a correspondence address which is different from his NRIC address, he is required to indicate the correspondence address in the Application Form.

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ELIGIBILITY CONDITIONS

2.1Family Nucleus
The applicant and occupiers in the Application Form must form a family nucleus comprising any of the following:

Applicant and his spouse and children (if any);

Applicant (single) and both his parents; and siblings (if any);

Applicant (widowed or divorced) and children under his legal custody;

Applicant (single) and his siblings, if parents are deceased (to submit copy of Death Certificates of parents for verification); or

Applicant and fiance/fiancee. Both the fiance and fiancee must be unmarried, widowed or divorced (with Decree Nisi Absolute/Interim Judgment Final granted) at the time of application. They must produce their Marriage Certificate for inspection by HDB, within 3 months after taking possession of the new HDB flat or by the *Delivery Possession Date (DPD), whichever is the later. If either fiance/fiancee is below 21 but 18 years old and above, the written consent of parents or guardians must be submitted with the application.

*Delivery Possession Date (DPD) is the date by which HDB is required under the Agreement for Lease to deliver possession of the flat.

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2.2Citizenship
Each family nucleus must comprise at least two Singapore Citizens or one Singapore Citizen and one Singapore Permanent Resident. Applicant 1 must be a Singapore Citizen. The other applicant(s) and essential occupier(s) can be Singapore Citizens or Singapore Permanent Residents.

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2.3Age
All applicants must be at least 21 years old at the time of application.

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2.4Income Ceiling
(a)Application to buy a 2-room flat
The total gross income of all persons listed in the Application Form must not exceed $2,000/- per month at the time of application.

(b)Application to buy a 3-room flat
The total gross income of all persons listed in the Application Form must not exceed $3,000/- per month at the time of application.

(c)Application to buy a 4-room/ 5-room flat
The total gross income of all persons listed in the Application Form must not exceed $8,000/- per month at the time of application.


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2.5Financing
On or before the exercise of the Option to Purchase, the applicants must have :
(a)a valid HDB Loan Eligibility Letter if they are taking an HDB loan to finance the purchase of the flat; or

(b)a valid Letter of Offer from a bank/financial institution if they are financing the purchase of the flat with a loan from the bank/financial institution; or

(c)documentary proof acceptable to HDB that the applicants have the financial means to buy the flat without an HDB loan or a loan from a bank/financial institution if they will not be taking an HDB loan or a loan from a bank/financial institution to finance the purchase of the flat.

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2.6Ownership / Interest in Property
A person is not entitled to buy an HDB flat if he, his spouse, any occupiers listed in the Application Form or their spouses:

(a)is the owner of any other flat, house, building or land* or has an estate or interest therein; or

(b)has at any time within 30 months before the date of applying to buy an HDB flat, or between the date of the application and the date of completion of the purchase, acquired or disposed of any flat, house, building or land, or any interest therein.

*Includes but not limited to HUDC flats and Executive Condominiums, properties acquired by gift / inheritance, private properties, properties outside Singapore and properties owned / acquired / disposed through nominees.

HDB may consider exempting persons from conditions 2.6 (a) and (b) upon his application for exemption, based on the merits of each case. The applicant must pay a non-refundable processing fee of $50 or $150 (for cases which require a valuation report), subject to GST, within 2 weeks of HDB’s request to do so.

Note: For more information on the various categories where HDB may consider granting exemption, please refer to the HDB InfoWEB at www.hdb.gov.sg

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2.7Payment of Premium / Levy
The applicant or spouse listed in this application must pay any premium or levy and interest due to HDB before they can buy or take possession of the new HDB flat. If the premium or levy or any part thereof remains unpaid, the applicant/spouse acknowledge that this shall constitute a debt due to HDB.

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2.8Time Bar
An applicant, his spouse or essential occupier listed in the application who is an existing owner or ex-owner of a flat bought directly from HDB, or a resale flat bought under the CPF Housing Grant Scheme, may apply to buy an HDB flat on condition that a 5-year period (excluding any period of subletting of the whole flat) has lapsed from the *date of taking possession of the flat to the date of this application.

Any person currently listed as an essential occupier of an existing HDB flat bought directly from HDB, or a resale flat bought under the CPF Housing Grant Scheme, may apply to buy an HDB flat or be listed as an occupier only if he has stayed in the existing flat for 5 years from the *date of taking possession of the existing flat to the date of this application.

A person who is divorced may apply to buy an HDB flat or be listed as an occupier after 5 years from the date the divorce is finalised to the date of application for a new flat. The divorced person may however, apply with his/her parents or new spouse or be listed as an occupier in their application to buy an HDB flat within the 5-year period.

The computation of the time bar is subject to HDB‘s prevailing policies, rules and regulations and all decisions reached by HDB are final and conclusive.

Note: *The date of taking possession refers to the date of key collection for new flats that are bought from HDB or the date of legal completion for purchase of resale flats under the CPF Housing Grant Scheme.

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2.9Owner or Ex-owner of Second Flat Bought from HDB
Existing owners or ex-owners of a second flat bought directly from HDB are not eligible to apply or be listed in the application as an essential occupier to buy another flat directly from HDB.

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3. OTHER CONDITIONS

3.1Non-Deletion of Essential Occupier
Any person listed as an essential occupier in the application must continue to be listed in the application and stay in the new flat during the 5-year occupation period. An essential occupier is one who forms a family nucleus with the applicant to qualify for a flat from HDB.

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3.2Change of Applicant / Occupier
Any request for change or deletion of applicants / occupiers listed in the application is subject to HDB's approval. If HDB finds the existing applicants/occupiers ineligible to continue with the application, HDB will cancel the application and all monies paid will be forfeited.

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3.3Outstanding Debts Owing to HDB
If there are any outstanding debts or monies owing to HDB by any person listed in the Application Form, the applicant must settle such debts and pay an administrative charge as determined by HDB, before he can buy or take possession of the new flat.

Where an applicant or occupier listed in the Application is required to pay a cash sum arising from the forfeiture of the registration deposit, under a previous application under the Fiance/Fiancee Scheme, he must pay such cash sum and interest thereon as may be determined by HDB before his application can be considered.

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3.4Debarment
A person who has been debarred from buying a flat from HDB under any of HDB’s or the Government’s rules, regulations or policies will not be eligible to buy an HDB flat or be listed as an occupier in an application for an HDB flat.

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3.5Ethnic Classification
The application and selection of a flat will be subject to the ethnic classification of the application. Each application is classified based on the head of household regardless whether he is listed as the main applicant, co-applicant or proposed occupier. For example, in an application consisting of a married couple, the husband is considered as the head of household and the ethnic classification of the application would be based on his ethnic group.

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4. PRIORITY SCHEMES

4.1Important Notes
Applicants may wish to apply for an HDB flat under one of the following Priority Schemes, i.e. the Tenants’ Priority Scheme or the Third Child Priority Scheme or the Married Applicant(s) Staying Near/With Parents/Married Child(ren) Scheme. The conditions for the Priority Schemes (known as the 'Conditions of the Scheme') shall be in addition to all of HDB's conditions of purchase and sale under the Build-To-Order System (BTO). In the event of any inconsistency between the Conditions of the Scheme and the General Conditions For Purchase Of A Flat Under Build-To-Order System (BTO), the Conditions of the Scheme shall prevail.

Each applicant is allowed to apply for a flat under only one of the Priority Schemes and will be given priority allocation in accordance with the HDB’s prevailing policies.

In the event of death, divorce or separation of any person listed in the application after approval of the application under any of the Priority Schemes, the applicant must produce the relevant documents (e.g. Death Certificate, divorce documents, Deed of Separation) to HDB for verification within 14 days from the date of the demise, divorce or separation respectively.

If an applicant is or becomes ineligible to buy an HDB flat under any of the Priority Schemes, his application will be cancelled and all monies paid will be forfeited.

If the applicant breaches any of the conditions of the Priority Schemes or makes any false declaration / misrepresentation under any of these Schemes for the purchase of an HDB flat under these schemes, his application will be cancelled and all monies paid by him will be forfeited. If the HDB flat has already been allocated to him, HDB will compulsorily acquire or determine the Lease of the HDB flat and all monies paid by him will be forfeited.

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4.2Tenants' Priority Scheme
Priority allocation under the Tenants’ Priority Scheme is restricted to the purchase of a 2-room or 3-room flat only. To be eligible for the scheme, the applicant(s) must meet the following conditions:
(a)Must be a first-timer who is currently an HDB rental tenant; and
(b)Must have lived in the existing HDB rental flat for a minimum of 2 years as at the date of this flat application; and
(c)Must meet the income ceiling of $2,000 or $3,000 for purchase of a 2-room or 3-room flat respectively.

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4.3Third Child Priority Scheme
(1)Each family must have at least 3 children (natural offsprings from lawful marriages) and comply with the following conditions:-

(a) The third child must be a Singapore Citizen born on or after 1 Jan 1987, and the other children must be Singapore Citizens or Singapore Permanent Residents. All the children qualifying for the Scheme must be listed in the application. ; and

(b) Both parents must be Singapore Citizens or a Singapore Citizen and the other a Singapore Permanent Resident. Where one of the parents is deceased, the remaining parent must be a Singapore Citizen.

(2)Each family is only allowed to enjoy the benefit of the Third Child Priority Scheme to buy/sell a flat once.
(3)Each applicant will be given priority allocation in accordance with HDB’s prevailing policies, rules and regulations.
(4)An applicant will become ineligible to buy an HDB flat under this Scheme if the composition of the 3-child family as listed in his application changes by reason of death or divorce or separation or for any other reasons at any time whatsoever.
(5)If an applicant is or becomes ineligible to buy an HDB flat under this Scheme, his application shall be cancelled at the discretion of HDB and all monies paid by him shall be forfeited by HDB.
(6)If the applicant breaches any of the Terms and Conditions of this Scheme or makes any false declaration/misrepresentation for the purchase of an HDB flat under this Scheme, his application will be cancelled and all monies paid by him will be forfeited by HDB or if an HDB flat has already been allocated to him, HDB will compulsorily acquire or determine the Lease of the HDB flat and forfeit all monies paid by him.
(7)Birth Certificates (photocopy) of the children must be submitted together with the application.
(8)Applicants must comply with all other Terms and Conditions as may be imposed from time to time under this Scheme.

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4.4* Married Applicant(s) Staying Near/With Parents/Married Child(ren) Scheme
Priority allocation may be given to married applicants upon request, if they meet either of the following criteria:

(a)They are applying for flats located in the same town as their parents or married child, who are lessees, tenants or occupiers of an HDB flat; or
(b)Their parents' or married child's existing housing block is within 2 km from the nearest block offered in the town applied for; or
(c)Their parents or married child own and occupy the private property that is located in the same town or within 2 km from the nearest block offered in the town applied for; or
(d)Their parents or married child will be living with them in the flat to be purchased and will be included in the Application.

* Applicants under the Fiance/Fiancee Scheme may also request their application to be processed under the Scheme if they are applying to stay near/with their parents.

Applicants requesting for priority allocation under 4.4(a) or 4.4(b) or 4.4(c) or 4.4(d) must indicate their request under “Request For Priority Allocation For Married Applicant(s) Staying Near/With Parents/Married Child(ren)” of the Application Form. Parents/married child(ren) who are non-citizens or who are on visit pass/visa to Singapore are not eligible to qualify for the Scheme.

Successful applicants under 4.4(a) or 4.4(b) or 4.4(c) or 4.4(d) must ensure that their parents or married child continue to reside in the same flat/property or same town for a period of 5 years from the date of taking possession of the new flat. They are not allowed to move to another HDB flat/property outside the existing town within the 5-year occupation period.

For the purpose of determining whether the applicant meets the above criteria, HDB will rely solely on its records and/or other relevant authorities as it deems fit. HDB reserves the right to reject as evidence, any form of private tenancy agreements or contracts made by or with the applicant's parents/married child and any other party, including receipts for rents paid by the applicant's parents/married child.

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5. MORE CHANCES FOR FIRST-TIMERS

First-timer applicants will be given more chances over the Second-Timer applicants in the balloting, subject to the prevailing policy on ethnic ratios and quota of flats available for selection.

An applicant is considered a First-Timer if he and the other essential family members listed in the Application Form:
(a)are currently not the owner(s) of a flat bought direct from HDB, a Design, Build & Sell Scheme (DBSS) flat or an Executive Condominium (EC) Unit bought from the developer; or
(b)have not sold a flat bought direct from HDB, a Design, Build & Sell Scheme (DBSS) flat or an Executive Condominium (EC) Unit bought from the developer; or
(c)have not transferred at market value a flat bought direct from HDB or an HDB resale flat bought under the CPF Housing Grant Scheme; or
(d)have never been a recipient of any CPF Housing Grant for the purchase of an HDB resale flat or a Design, Build & Sell Scheme (DBSS) flat or an Executive Condominium (EC) Unit bought from the developer; or
(e)have not sold any HDB flat with re-housing benefits under the Selective En-Bloc Redevelopment Scheme (SERS); or
(f)have not ever enjoyed other forms of housing subsidy such as enjoyed SERS benefits or privatisation of HUDC estate, or purchased an HDB flat under the Sale of Flats to Sitting Tenants Scheme.

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6. SELECTION OF FLAT

6.1A computer ballot will be conducted to shortlist the applicants. Selection of flats by shortlisted applicants with queue numbers exceeding the flat supply would be subject to availability when their turn is due. The results of the ballot will be final and conclusive.

6.2If the applicant is invited to select a flat, he will have to book a flat and confirm his eligibility under HDB’s prevailing policies, rules and regulations. He must produce all original documents requested or required by HDB for verification.

6.3Upon selection of a 2-room or 3-room or 4-room/ 5-room flat, applicants are required to pay an option fee of $500/- or $1,000/- or $2,000/- respectively (by cash/cheque/NETS) and HDB will grant them an Option to Purchase.

6.4An applicant who has selected a flat under the “Build-To-Order System (BTO)” will have his other existing application (if any), cancelled.

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7. APPLICATION FOR MORTGAGE LOAN

7.1Loan Eligibility
Applicants are advised to check on their loan eligibility through the HDB InfoWEB or Loan Enquiry Counters at HDB Hub before they commit to buy a flat. Those who intend to apply for an HDB loan in their flat purchase will need to apply for an HDB Loan Eligibility Letter (HLE). For applicants who are applying for a loan from the banks or financial institutions licensed by the Monetary Authority of Singapore (MAS), they are required to produce a valid Letter of Offer. Applicants who do not require any mortgage loan to buy the HDB flats will have to produce documentary proof showing that they have the financial means to buy the flats.

7.2HDB Loan Eligibility Letter (HLE)
Applicants will need to apply for an HDB Loan Eligibility Letter (HLE) if they intend to obtain an HDB loan in their flat purchase. They may be granted a mortgage loan of up to 90% of the purchase price of the flat, subject to full utilisation of available balance in the CPF Ordinary Account and credit assessment.

Applicants who are eligible and are obtaining a mortgage loan from HDB are required to produce a valid HLE before they can exercise the Option to Purchase by signing the Agreement for Lease. Applicants who fail to produce a valid HLE when they exercise the Option to Purchase would not be granted a mortgage loan from HDB in their purchase of the HDB flats.

If the applicant(s) is/are not using CPF monies to pay the monthly loan instalments or if the CPF monies are or shall become insufficient, the applicant(s) shall pay the monthly loan instalments through GIRO.

If the applicant(s) is/are using CPF monies to pay part of the monthly loan instalments, the applicant(s) shall pay the remaining part of the monthly loan instalments through GIRO.

Applicants have to submit a GIRO application form duly completed and signed before a mortgage loan is granted by HDB.

The approval of the loan shall be at HDB’s sole discretion and is subject to HDB’s prevailing rules and regulations and such terms and conditions as may be imposed by HDB.

7.3Mortgage Loan from Banks/Financial Institutions
Applicants who are taking a mortgage loan from banks or financial institutions licensed by the Monetary Authority of Singapore (MAS) are required to obtain a valid Letter of Offer from the bank/financial institution before they can exercise the Option to Purchase by signing the Agreement for Lease.

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8. SIGNING AGREEMENT FOR LEASE

The sale of a new BTO flat will only proceed if a minimum number of flats in each BTO contract have been booked. The minimum number shall be determined by HDB in its absolute discretion and its decision shall be final and conclusive. HDB will assess the minimum number of flats booked for each BTO contract offered for sale independently. If the number of flats booked for a BTO contract after the selection exercise exceeds the minimum number, applicants will be invited to sign the Agreement for Lease with HDB and pay 10% of the purchase price of the flat as downpayment. In addition, they must pay legal and stamp fees on the purchase price.

Applicants who are taking a mortgage loan from banks or financial institutions licensed by the Monetary Authority of Singapore (MAS) are required to pay a compulsory 5% cash payment of the purchase price of the flat selected.

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9. TAKING POSSESSION OF NEW FLAT

Applicants are required to pay the balance of the full purchase price (inclusive of premium, where applicable) and levy, as the case may be, before they can take possession of the flat. They may use their CPF or cash savings and/or mortgage loan to pay the balance of the purchase price (inclusive of premium, where applicable). Payment of levy and its interest due to HDB, must be in cash.

Disposal of Existing Flat
(a)Applicants or occupiers listed in the application who are owners of an existing HDB flat, must dispose of the flat within 6 months from the date of taking possession of the new flat.

(b)Applicants or occupiers who are existing tenants of an HDB rental flat must terminate the tenancy and surrender vacant possession of the rental flat to HDB within 4 months from the date of taking possession of the new flat.

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10. FORFEITURE UPON REJECTION OF FLAT

10.1Before Signing Agreement for Lease
If the applicant rejects the flat selected before he signs the Agreement for Lease, his application will be cancelled and the option fee forfeited.

10.2After Signing Agreement for Lease
If the applicant rejects the flat selected after he signs the Agreement for Lease, his application will be cancelled and a sum equivalent to 5% of the purchase price of the flat selected will be forfeited. The stamp and legal fees which have been expended will not be refunded.

Note: HDB has the right to reject any application or delete any person’s name from the application without assigning any reason. If HDB deems that the applicant is not eligible to apply for an HDB flat or becomes ineligible to retain his application under HDB’s prevailing policies / conditions in force from time to time, the application will be cancelled and all monies paid will be forfeited, at the sole discretion of HDB.

The General Conditions For Purchase of A Flat Under Build-To-Order System (BTO) contained in this form are current and are subject to HDB’s prevailing policies, rules and regulations in force from time to time. HDB reserves the right to add, delete and/or vary the conditions at any time. All decisions by HDB shall be final and conclusive.

Words importing the singular number or the masculine gender herein shall include the plural number or the feminine gender where applicable.

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CAUTION: IN ADDITION TO OTHER REMEDIES, THE HOUSING & DEVELOPMENT ACT (CHAPTER 129) PROVIDES THAT ANY PERSON WHO MAKES A FALSE STATEMENT IS LIABLE TO A FINE NOT EXCEEDING $5,000/- OR IMPRISONMENT FOR A TERM NOT EXCEEDING 6 MONTHS OR BOTH.