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Application Procedure

Get started with your flat purchase by finding out about the buying process for a new HDB flat, Design, Build and Sell Scheme flat, or Executive Condominium.

HDB flat (BTO or SBF)

You can buy a flat from HDB during our Build-To-Order System (BTO) or Sale of Balance Flats (SBF) sales launches. There are 6 steps to buying a flat.

Step 1: BTO or SBF Sales Launch

Process

Payments

We will announce the sites where flats will be built in the newspapers and the HDB InfoWEB. You can also find more information on:  
 
  • Location
  • Indicative prices
  • Preliminary designs
  • The number of units of flats offered

Before you make a flat application, check if you are:

No payments at this stage

Step 2: Submit application

Process

Payments

You must submit your flat application online via HDB InfoWEB at www.hdb.gov.sg.

Those without internet access can also visit HDB Hub or any of the HDB Branches to submit their application.

A non-refundable administrative fee of $10 is payable by credit card (Master Card/ Visa)

Step 3: Receive outcome of application

Process

Payments

At the end of the application period, HDB will ballot all applications for their queue position and inform applicants of the outcome of their application.

You can check the status of your application when the result is announced.

No payments at this stage

Step 4: Book flat

Process

Payments

You will be invited to book a flat based on the balloted queue position. Please check the flats' availability before attending the appointment.  Also, decide if you would like to opt-in for the Optional Component Scheme (OCS).

An option fee by NETS

Please bring along these documents

Step 5: Sign Agreement for Lease

Process

Payments

You will be invited to sign the Agreement for Lease. You have to submit a Letter of Offer if you are obtaining a housing loan from banks.

View sample legal documents below.

A downpayment (plus 1-3% legal and stamp fees) by CPF or cash as follows:

  • 10% for buyers taking a housing loan from HDB

  • 20% for buyers taking a housing loan from bank


Check the cost involved

Step 6: Collect flat keys

Process

Payments

For flats offered under the BTO, you will collect the keys to your flats in about three years' time.

View sample legal documents below.

99-year 2-room Flexi flat or bigger

Balance of the purchase price of the flat booked, by cash, CPF,  mortgage loan, or a combination

If you intend to use cash to pay the monthly instalments, you will have to submit a completed GIRO application form before we grant you a loan. Please submit the completed form on or before the appointment for keys collection. Otherwise, we may withdraw the letter of offer for the loan. You will then have to find alternative financing for the flat.

Short-lease 2-room flat or Studio Apartment

You must pay the balance purchase price in full before you can take possession of the flat, as we do not grant loans for the purchase of SAs and short-lease 2-room Flexi flats.

If you are selling your existing flat at the same time, you may request for contra facility where you pay for the new flat using sales proceeds from your current flat. Keys to the SA/ 2-room Flexi flat will be issued after the sale of the current flat is completed. 

Conditions after purchase

Sample Documents for Signing of Agreement for Lease

Specimen of the Legal Documents that flat buyers of 2-room and bigger flats need to sign:

(1) The Agreement for Lease
The Agreement for Lease sets out the sale terms of the HDB flat for buying a flat.
Specimen AFL

(2) The Lease
The Lease sets out the lease terms of the HDB flat.
Specimen Lease

(3) The Memorandum of Lease
The Memorandum of Lease sets out the additional general lease administration terms of the HDB flat.
Specimen Memorandum of Lease 

Sample Documents for Taking Possession

Specimen of the Legal Documents that flat buyers of 2-room and bigger flats, who are obtaining the first HDB loan, are required to sign:

(1)Deed of Assignment
The Deed Of Assignment sets out the terms of the mortgage loan from HDB - for flat buyers taking the first HDB loan.
Specimen DOA

(2)The Mortgage
The Mortgage sets out the HDB mortgage loan terms.
Specimen Mortgage

(3)The Memorandum of Mortgage
The Memorandum of Mortgage sets out the additional general loan terms of the HDB mortgage loan.
Specimen Memorandum of Mortgage

Please note that the documents shown here are specimen documents for general reference and information. Actual documents may vary from the specimen copies shown depending on the circumstances of the individual case.

Design, Build and Sell Scheme (DBSS) Flat

DBSS flats are developments which developers have a hand in designing. These flats can be bought directly from the developers.

Step 1: Available DBSS Flats

Process

Payments

You may contact the developers for the following DBSS projects that are available for sale.

Before you submit an application, check if you are:

No payments at this stage

Step 2: Submit application and book flat

Process

Payments

You will have to approach the developer to submit an application, book a flat and sign the Option to Purchase (OTP). Please check with the developer on the documents that you are required to bring.
 
You will also have to submit the application form for CPF Housing Grants to the developer, if eligible. Prompt submission will ensure that you will be able to use the CPF funds to pay for the balance downpayment.
5% option fee by Cashier’s Order, cheque or cash

Step 3: Sign Sale & Purchase Agreement 

Process

Payments

You will be invited to sign the Sale & Purchase Agreement.

15% of the purchase price plus 1-3% legal and stamp fees by CPF money or cash within 9 weeks from the date of OTP or signing of the Sale & Purchase Agreement

Step 4: Collect keys to DBSS flat

Process

Payments

The developer will arrange with you on the key collection to your DBSS flat.
 

Check with developers

Conditions after purchase

 

Executive Condominium (EC)

ECs from private developers can be purchased with or without the CPF Housing Grant.

Step 1: EC Sales Launch

Process

Payments

Developers will announce the sales launch in the newspapers and on the developer’s website. You can contact the developer to find more information on: 

Indicative prices

  • Preliminary designs
  • The number of units of EC offered

Before you make an EC application, check if you are:

No payments at this stage

Step 2: Submit application

Process

Payments

You must submit an application with the developer.  Developer has the choice to offer the units via computer balloting or walk-in selection.

Check with developer

Step 3: Receive outcome of application

Process

Payments

Developer will inform you of the outcome.

No payments at this stage

Step 4: Book flat

Process

 

Developer will invite you to book an EC and sign the Option to Purchase (OTP).

You will have to submit the application form for CPF Housing Grant to the developer, if eligible. Prompt submission will ensure that you will be able to use the CPF funds to pay for the balance downpayment.

5% option fee by Cashier’s Order, cheque or cash

Please bring along these documents.

Step 5: Sign Sale and Purchase Agreement 

Process

Payments

You will be invited by the developer to sign the Sale and Purchase Agreement. You have to submit:

  • A Letter of Offer if you are obtaining a housing loan from banks

15% of the purchase price plus 1-3% legal and stamp fees by CPF money or cash within 9 weeks from the date of OTP or signing of the Sale and Purchase Agreement

Step 6: Collect EC keys

Process

Payments

The developer will invite you to collect the keys when the EC is completed.

Check with developer

Please also check out the conditions after purchase.

With CPF Housing Grant

  • You can submit the completed EC application form and the prescribed application form for the CPF Housing Grant for EC directly to the developer when you book a unit with them. 
  • If you are applying for the CPF Housing Grant, please submit all supporting documents to the developer within 1 week from the date of booking of the EC unit. If the developer does not receive the full set of supporting documents within the 1 week deadline, we will not be able to process your application for the CPF Housing Grant in time for the downpayment.
  • After you have booked an EC unit, you must complete and send the CPF Withdrawal Form RPS/1A (Residential Properties Scheme) directly to the CPF Board for processing. This is so you can use your CPF money or the CPF Housing Grant, or both, for the payment of your EC unit.
  • You will have to pay a booking fee of 5% of the purchase price of the EC by cash/ cashier's order, or by cheque in exchange for an Option to Purchase.
  • If you qualify to buy an EC, you will sign the Sales and Purchase Agreement with the developer. Buyers are required to pay the balance of the downpayment for the EC unit within 8 weeks from the date of the Option to Purchase. The balance downpayment can be paid from CPF funds. The CPF Housing Grant, if applicable, forms part of the CPF monies and can be used to pay the balance downpayment. Legal fees and stamp duties can be paid using cash or CPF monies.
  • You are advised to engage a solicitor to handle the conveyancing matters, arrange with a bank for financing, and check with CPF Board on the use of your CPF money to pay for the EC.

Without CPF Housing Grant

  • You can book an EC unit directly from the developer and pay a booking fee of 5% of the purchase price of the EC by cash/ cashier's order or by cheque in exchange for an Option to Purchase
  • If you qualify to buy an EC, you will sign the Sales and Purchase Agreement with the developer and pay the balance of the downpayment in cash, CPF, or both within 8 weeks from the date of the Option to Purchase
  • You are advised to engage a solicitor to handle the conveyancing matters, arrange with a bank for financing, and check with CPF Board on the use of your CPF money to pay for the EC