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Residential

2-Room Flexi Flats

Under the 2-room Flexi Scheme, elderly citizens have the flexibility of choosing the length of lease on their 2-room flat, based on their age, needs, and preferences. If you are aged 55 and above, you can take up a lease of between 15 and 45 years in 5-year increments, as long as it covers you and your spouse up to the age of at least 95 years. First- and second-timer families, as well as first-timer singles, can buy new 2-room flats on a 99-year lease. 

Before you submit your application, we advise that you also learn more about the conditions that apply after you buy a 2-room Flexi flat.

What are the eligibility conditions?

You can apply for a 2-room Flexi flat when you meet these eligibility conditions:

  99-Year Lease Short Lease

Eligible Applicant/ Family Nucleus

You need to qualify for a new flat under one of our eligibility schemes:

  • Public Scheme
  • Fiancé/Fiancée Scheme
  • Orphans Scheme
  • Single Singapore Citizen Scheme
  • Non-Citizen Spouse Scheme
  • Joint Singles Scheme

Citizenship

  • At least 1 Singapore Citizen applicant
  • At least 1 other Singapore Citizen or Singapore Permanent Resident, when applying under these schemes:
    • Public Scheme
    • Fiancé/Fiancée Scheme
    • Orphans Scheme
  • Spouse is not a Singapore Citizen or Singapore Permanent Resident, when applying under the Non-Citizen Spouse Scheme
  • All applicants (maximum of 4) must be Singapore Citizens, when applying under the Joint Singles Scheme

Age

  • At least 21 years old if applying under the Public Scheme/ Fiancé/Fiancée Scheme/ Orphans Scheme
  • At least 35 years old if applying under the Single Singapore Citizen Scheme/ Non-Citizen Spouse Scheme/ Joint Singles Scheme
  • You, your spouse, and all buyers must be at least 55 years old at the time of application
  • The lease must be able to last you, your spouse, and all buyers to the age of 95 and above

Income Ceiling

Your average gross monthly household income cannot exceed $6,000

Your average gross monthly household income cannot exceed $12,000

Property Ownership

  • You do not own other properties overseas or locally, and have not disposed of any within the last 30 months
  • You have not purchased a new HDB/ DBSS flat or EC, or received a CPF Housing Grant before; or, have only purchased 1 of those properties/ received 1 CPF Housing Grant thus far

You and any other applicants/ essential occupiers listed in the flat application must dispose of any ownership or share in other properties by the set timeframe

 

Which eligibility scheme do I apply under?

You can apply for a 2-room Flexi flat as a couple, a family, a single, or together with unmarried siblings or other singles.

Eligibility Schemes

  • Public Scheme
  • Fiancé/Fiancée Scheme
  • Orphans Scheme
  • Single Singapore Citizen Scheme
  • Non-Citizen Spouse Scheme
  • Joint Singles Scheme

You can also use our e-Service to check your eligibility to purchase a new or resale flat.

Public Scheme

You can form a family nucleus with any of the following:

  • Spouse, and children (if any)
  • Parents, and siblings (if any)
  • Children under your legal custody, care, and control (for widowed/ divorced applicants)

No change of people listed in the application

Applications under this scheme are only valid if there are no changes to the people listed. This means that you cannot later replace your parents’ names with that of a spouse, or vice versa.

Fiancé/Fiancée Scheme

You form a family nucleus with your spouse-to-be. Please note the following for the Fiancé/Fiancée Scheme.

Submission of marriage certificate

Under this scheme, you need to submit a copy of your marriage certificate to us:

If You: Submit Copy of Marriage Certificate:
Applied for the Additional CPF Housing Grant (AHG) or Special CPF Housing Grant (SHG) On, or before taking possession of your flat
Booked a completed flat and did not apply for the AHG or SHG Within 3 months of taking possession of your flat
Booked an uncompleted flat and did not apply for the AHG or SHG By estimated Delivery Possession Date or within 3 months of taking possession of your flat, whichever is later
Solemnised your marriage before collecting your keys To the HDB Sales Office
Solemnised your marriage after taking possession of the flat To your managing HDB Branch

Written parental consent needed if spouse-to-be is 18 years old and above, but below 21

That person can only be listed as an essential occupier in the flat application. Written consent from that person’s parents/ guardians must be submitted during the flat selection appointment.

Special Marriage Licence needed if spouse-to-be is below 18 years old

Following your flat application, you must obtain a Special Marriage Licence from the Ministry of Social and Family Development and submit it to us during the flat selection appointment.

No change of people listed in the application

Applications under this scheme are only valid if there are no changes to the people listed. This means that in cases of break-up, you cannot later put in the names of your parents or a new spouse-to-be in the application, even if the previous spouse-to-be agrees.

Orphans Scheme

You and your siblings (those applying) are orphans and single (unmarried, divorced, or widowed):

  • All of the siblings who are single must be listed in the same application
  • At least 1 of the deceased parents was a Singapore Citizen or Singapore Permanent Resident

Please note that under the Orphans Scheme, siblings cannot buy/ rent flats separately.

Single Singapore Citizen Scheme

You are a first-timer and single (unmarried, divorced, or widowed), and eligible for a new 2-room flat in non-mature estates.

Non-Citizen Spouse Scheme

You are a first-timer and your spouse is not a Singapore Citizen or Singapore Permanent Resident:

  • Your non-citizen spouse must be holding a valid Visit Pass or Work Pass at the time of your application. The pass need not have a validity period of 6 months.
  • Only eligible for a new 2-room flat in non-mature estates

No change of people listed in the application

Applications under this scheme are only valid if there are no changes to the people listed. This means that you are cannot later replace your spouse’s name with that of your parents, or vice versa.

Joint Singles Scheme

You and the co-applicants (up to 3 others) are all first-timers and single (unmarried, divorced, or widowed).

All of you must:

  • Be Singapore Citizens
  • Be at least 35 years old
  • Apply jointly as co-applicants

Under this scheme, you will only be eligible for a new 2-room flat in non-mature estates.

No change of people listed in the application

Applications under this scheme are only valid if there are no changes to the people listed. This means that you are cannot later replace the names of the co-applicants.

What is the income ceiling?

The income ceiling depends on the type of flat you intend to get. If your average gross monthly household income exceeds the income ceiling, you will not be eligible for that flat type.

Flat Type Income Ceiling (Average Gross Monthly Household Income)

2-room Flexi flat (up to 99-years lease)

$6,000

Short-lease 2-room Flexi flat (up to 45-years lease)

$12,000
 

What income documents must I submit?

For your flat application, you and any other applicants and essential occupiers will need to prepare specific documents depending on your nature of employment. Also, please note that some forms of income/ allowance are not included when assessing your household income.

For your flat application, you and any other applicants and essential occupiers will need to prepare:

  • Latest 3 months’ payslips if employed full-time (without commission or allowances)
  • 12 months’ of income documents for other employment types
  • Proof of unemployment if not working

We require specific documents depending on your nature of employment. Also, please note that some forms of income/ allowance are not included when assessing your household income.

Aside from the above documents, we may also request further documentation if needed.

Nature of Employment

Documents to Submit

Notes

Employed person

  • Latest 3 months’ payslips (month of application and preceding 2 months)

or

  • Letter from employer certifying salaries for the month of application and the preceding 2 months; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Note: If your income includes allowance, we will require the latest 12 months’ payslips (month of application and preceding 11 months).

  • Assessment is based on the average gross monthly income, which:
    • Excludes bonuses and income earned from overtime work
    • Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted

Self-employed person

  • Latest NOA from IRAS or Statement of Annual Accounts certified by an audit firm

and

and

  • Statutory Declaration to declare the average gross monthly income for the latest 12 months (month of application and preceding 11 months)
  • Assessment is based on the average gross monthly income for the past 12 months
  • The Statutory Declaration can be made at the Sales Office at HDB Hub or at any HDB Branch. Declarants are required to bring along their Identity Cards
  • If you are not in Singapore, the Statutory Declaration can be made in before a Notary Public (in United Kingdom or any part of the Commonwealth), or before a consul or vice consul (in other countries).

Part-time worker

  • Latest 12 months’ payslips (month of application and preceding 11 months)

or

  • Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Commission-based person

  • Latest 12 months’ commission statements/ payslips (month of application and preceding 11 months)

or

  • Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Odd job worker

 

or

  • Letter from employer certifying salaries for the latest 12 months (month of application and preceding 11 months); the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Unemployed person (between 55 to 62 years old)

  • Statutory Declaration to declare the employment status

or 

  • Valid Student Pass or letter from school/ college/ institute of learning to confirm student status, if currently a full-time student
  • If unemployed for less than 3 months, the following documents are required:
    • Income proof for the preceding month(s) from the previous employer stating their gross monthly income and last day of service
    • Latest 15 months’ CPF contribution history
  • The Statutory Declaration can be made at the Sales Office at HDB Hub or any HDB Branch. Declarants are required to bring along their Identity Cards
  • If you are not in Singapore, the Statutory Declaration can be made in before a Notary Public (in United Kingdom or any part of the Commonwealth), or before a consul or vice consul (in other countries).
Retired with pension
  • Latest 3 months’ payslips from previous employer, stating monthly pension received (month of application and preceding 2 months)

or

  • Letter from previous employer certifying the monthly pension received for the month of application and the preceding 2 months; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation
  • Assessment is based on the average gross monthly income
  • Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted

Income/ allowance that will be considered for the income ceiling

  • Allowances (fixed/ variable) received on a regular basis (allowances for food, transport, laundry, uniform, etc.)
  • Pension
  • Stipend
  • Sustenance

Income/ allowance not considered for the income ceiling

  • Alimony allowance
  • Bonuses
  • Director fees
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance

Are there any time periods during which I cannot apply for a flat?

Yes. There are instances where you may need to wait out a set time period before you can apply or be listed in the application for a new flat.

This usually happens when someone:

  • Has not yet met a current flat/ EC’s Minimum Occupation Period (MOP)
  • Is a divorcee
  • Has previously cancelled a flat application, or twice chose to not book a flat

MOP requirements: current owner of a flat/ EC

Before applying for the new flat, you need to check if you or any other flat applicants/ essential occupiers to be listed in the flat application own any of these:

  • HDB flat bought from HDB
  • Resale flat bought with a CPF Housing Grant
  • EC/ DBSS flat bought from the developer

If so, that person must have already met that flat/ EC’s MOP of 5 years before he can apply for a new flat.

In the case of ECs, you must also wait out a 30-month period from the EC’s effective date of disposal, which we will verify using your Notice of Transfer, or any other such documentation we may require.

Type of Property Owned

Time Period Before You Can Apply for a New HDB Flat

  • HDB flat bought from HDB
  • Resale flat bought using a CPF Housing Grant
  • EC/ DBSS flat bought from the developer

MOP of 5 years

MOP requirements: current occupier of a flat/ EC

An essential occupier of the following must have already met the flat/ EC's 5-year MOP before they can be listed in a new HDB flat application, whether as an owner or essential occupier:

  • HDB flat bought from HDB
  • Resale flat bought with a CPF Housing Grant
  • EC/ DBSS flat bought from the developer
If so, that person must have already met that flat/ EC's MOP of 5 years before he can apply for a new flat.

In the case of ECs, you must also wait out a 30-month period from the EC’s effective date of disposal, which we will verify using your Notice of Transfer, or any other such documentation we may require.

Essential Occupier In:

Time Period Before You Can Apply for a New HDB Flat

  • HDB flat bought from HDB
  • Resale flat bought using a CPF Housing Grant
  • EC/ DBSS flat bought from the developer

MOP of 5 years

Divorcee

In the case of a divorce, you need to take note of the following conditions for any of these types of property:

  • Flat bought from HDB
  • Resale flat bought with a CPF Housing Grant
  • DBSS flat/ EC bought from the developer

3-year wait-out period

For 3 years from the date of the divorce, only 1 party in the divorce can own any of the above properties.

If any the above properties was the matrimonial home and is now owned by your ex-spouse, you must wait for 3 years before you can buy or be listed as an essential occupier in one.

If the matrimonial home was not one of the above, or if there was no matrimonial home, 1 party can apply for the property types mentioned above. However, the other party must first undertake to not own or be listed as an essential occupier of said properties for 3 years from the date of the divorce.

Exception

There is no need for any 3-year wait-out period or undertaking if you are:

  • Buying one of the above properties with your parents and/ or new spouse
  • A parent meeting these conditions:
    • All of your children are aged below 18 at the date of the divorce
    • All the children are under your legal custody, and you are the only parent given the care and control of your children

Assistance

For flat applications, priority flat allocation can be given under our Assistance Scheme for Second-Timers (Divorced/Widowed Parents) (ASSIST).

Cancelled a flat application after booking a flat

If you book a flat and subsequently cancel your booking, you must wait out a 1-year period from the date of the cancellation before you can apply or be listed as an essential occupier of a:

  • New HDB flat
  • DBSS flat bought from a developer
  • EC bought from a developer
  • Resale flat bought using a CPF Housing Grant
  • Resale flat announced for SERS

2 non-selections of a flat

If you are a second-timer applicant or first-timer single that does not book a flat after being invited to do so for 2 times in a row, you need to wait 1 year from the date of the second non-selection before you can participate in our sales launches.

Second-Timer Applicant/ First-Timer Single

Allowed to Apply for a New Flat?

Is successfully balloted and invited to select a flat, but does not do so

Yes

Gets successfully balloted a second time, and once again does not select a flat

Not for 1 year

 

Am I a first or second-timer applicant?

A first-timer applicant is a person or household that has never received any form of housing subsidy, or similar benefit; a second-timer applicant is a person or household that has. If you are a second-timer and your spouse/ spouse-to-be is a first-timer, you as a couple will enjoy first-timer privileges and priority.

First-timer applicant

First-timers enjoy privileges and priority in flat allocation.

Yours will be treated as a first-timer application if you and any of the other listed owners and essential occupiers meet the following criteria:

  • Not the owner of a flat bought from HDB, or an EC/ DBSS flat bought from a developer
  • Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
  • Not received any CPF Housing Grant for the purchase of an HDB resale flat
  • Not taken any form of housing subsidy (e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS) or HUDC estate privatisation)
If you are a second-timer and your spouse/ spouse-to-be is a first-timer, you and your spouse/ spouse-to-be will enjoy first-timer privileges and priority as a couple.

Additional amount payable (included in flat price)

Eligibility Scheme 99-Year Lease Short Lease

Average gross monthly household income $6,000 and below

Average gross monthly household income between $6,001 and $12,000

Single Singapore Citizen/ Non-Citizen Spouse $15,000 Adjusted from $15,000, based on the lease of the 2-room Flexi flat Adjusted from $30,000, based on the lease of the 2-room Flexi flat
Private property owners or those who have disposed of a private property in the last 30 months prior to flat application Not eligible Adjusted from $30,000, based on the lease of the 2-room Flexi flat

Second-timer applicant

Yours will be treated as a second-timer application if any of the following applies to you or any of the other listed owners and essential occupiers:

  • Have owned or sold any of the following:

    • HDB flat bought from HDB

    • Resale flat bought using a CPF Housing Grant

    • EC/ DBSS flat bought from the developer

  • Once taken some form of housing subsidy (e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation)

Payment of Resale Levy

Eligibility Scheme 99-Year Lease Short Lease
Public Scheme/ Fiance/Fiancee Scheme/ Orphans Scheme Amount is dependent on the date of sale of first subsidised flat
Adjusted from the lower of resale levy payable or $30,000, based on the lease of the 2-room Flexi flat
Single Singapore Citizen/ Joint Singles/ Non-Citizen Spouse Not eligible Adjusted from $30,000, based on the lease of the 2-room Flexi flat
Private property owners or those who have disposed of a private property in the last 30 months prior to flat application

Families or singles who have enjoyed two housing subsidies

You would be considered to have enjoyed two housing subsidies if you or the essential family members listed in your application have owned or sold two or more subsidised flats. You may apply for a short-lease 2-room flat if you have not bought a Studio Apartment or short-lease 2-room flat previously. You will have to pay a resale levy adjusted from $30,000 based on the lease of the 2-room Flexi flat.

Mortgage Financing

99-year Lease Short-Lease
You can obtain an HDB loan or a bank loan to finance your flat purchase. You will have to pay the flat purchase with cash or CPF savings, or both.

 

Can I use my CPF savings?

Yes. If you are 55 years old and above, and have set aside the Basic Retirement Sum, you can use the excess CPF savings in your Ordinary Account (OA) and Retirement Account (RA) to purchase the 2-room Flexi flat.

The 2-room Flexi flat will then be pledged for the CPF OA and RA amount used, up to the maximum amount allowed under the Retirement Sum Scheme.

Can I apply for a 2-room Flexi flat if I used to/ still own or have full/ partial interest in a local/ overseas non-HDB property?

99-year Lease Short-Lease
No, you may not. For a 2-room Flexi flat application, all the listed owners and essential occupiers must not own, dispose, or have an estate or interest in any other local or overseas property:
  • Within 30 months before the date of the new flat application, and up to the date of taking possession of the new flat

Exemptions may be possible for exceptional cases. To apply, please fill and submit this property questionnaire.

Yes, you can apply for a 2-room Flexi flat or be listed in the application as an essential occupier. However, you must finalise the disposal of the property or your share in it within 6 months from the date you take possession of your flat. 

Properties this condition applies to

The properties considered in this instance include but are 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 property
  • Properties owned, acquired, or disposed through nominees, regardless of properties’ location

Can I apply for a 2-room Flexi flat if I used to/ still own an HDB flat, DBSS flat, or EC?

99-year Lease Short-Lease

Yes, provided that you only own/ owned 1 of the following units prior to your application:

  • Flat bought from HDB
  • EC/ DBSS flat bought from the developer
  • HDB resale flat bought using a CPF Housing Grant (only applies to first-timer applicants)

An eligible Singapore Citizen can purchase these properties twice in total, not twice per type of property.

If you have already purchased 2 such properties, you will not be eligible to apply for a new flat or be listed as an essential occupier in an application.

If you own or have a share in an HDB flat, whether purchased directly from HDB or from the open market, you may still:
  • Apply for a short-lease 2-room Flexi flat
  • Be listed as an occupier in a short-lease 2-room Flexi flat application

You must finalise the disposal of your private property or share in the private property within 6 months from the date of taking possession of the 2-room Flexi flat.

If you have previously sold two flats purchased with housing subsidies, you can still apply for a short-lease 2-room flat provided you have not purchased a Studio Apartment or short-lease 2-room Flexi flat previously.