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Residential

Conditions After Buying

HDB and DBSS flats

After you buy an HDB or DBSS flat, there are conditions that apply such as a Minimum Occupation Period (MOP), and rules about renting out the flat.

Taking a housing subsidy

You and your spouse will be considered as having taken a housing subsidy. 

Citizen Top-Up

If you are from a Singapore Citizen (SC)/ Singapore Permanent Resident (SPR) household, you can apply for the Citizen Top-Up when your SPR family member takes up Singapore Citizenship or when you have an SC child.

Read more on Citizen Top-Up.

Disposal of existing flat

You and your family members listed in the flat will have to dispose of your existing flat within 6 months of taking possession of the new flat.

Minimum Occupation Period (MOP)

You have to occupy the flat for 5 years before you can sell it in the open market. 

You can submit an application to buy another flat direct from HDB or a new DBSS flat, after 5 years from the date of keys collection for your new flat or DBSS flat.

Essential occupiers in the flat

Occupiers who are essential in forming a family nucleus with you in the flat application must continue to be listed in the application and stay in the flat during the 5-year MOP. 

They cannot make a separate application, or be listed as occupiers in another application to buy an HDB flat or another EC within the MOP.

Renting out the whole flat

You can rent out your whole flat after the 5-year MOP after you have obtained approval from HDB. 

Renting out rooms

No prior approval from HDB is needed if you rent out bedrooms in your flat within the MOP. However, you must register the subletting of bedrooms with HDB within 7 days of doing so. You are also required to notify HDB when you renew or terminate the subletting of bedrooms, and when there are changes to your subtenants’ particulars. 

If you own a 3Gen flat, you cannot rent out any bedrooms within the MOP.

See more guidelines on renting out rooms.

Resale levy 

The resale levy is meant to reduce the housing subsidy on the flat buyers' second subsidised flat. It also ensures a fairer allocation of housing subsidies among flat buyers.

You are liable to pay a resale levy:

  • When you sell the subsidised flat after meeting the MOP, and buy a second subsidised flat from HDB, or take over ownership of another subsidised HDB flat
  • Buy an Executive Condominium (EC) from a developer  where the land sale was launched on or after 9 December 2013, including those where tenders were not closed, i.e. Westwood Avenue, Canberra Drive, and Anchorvale Crescent

If you do not intend to buy a second subsidised flat from HDB, for example, you are buying a resale flat, new DBSS flat, or EC from a developer where land sale was launched before 9 December 2013 or a private residential property, you need not pay the resale levy.

Subsidised flat sold on or after 3 March 2006

If you have sold your first subsidised flat from 3 March 2006 onwards, you will pay a fixed amount resale levy as follows:

Flat Type of the First Subsidised Flat

Fixed Amount Resale Levy

2-room
3-room
4-room
5-room
Executive

$15,000
$30,000
$40,000
$45,000
$50,000

The fixed amount gives flat owners certainty about the resale levy they need to pay and helps them plan ahead. Owners of smaller flats can upgrade to a bigger flat when they are financially ready, and owners of bigger flats can buy a smaller flat in the event of a financial crisis.

The revised resale levy will apply to second-time flat buyers who book their second subsidised flat and submit their application to sell their first subsidised flat, on or after 3 March 2006.

Subsidised flat sold before 3 March 2006

Flat owners who have sold their first subsidised flats before 3 March 2006 will have to pay the graded resale levy as follows:

Flat Type

Graded Resale
(Based on Declared Resale Price, or 90% of Market Valuation, whichever is higher)

2-room
3-room
4-room
5-room & Executive

10%*/ 15%
20%
22.5%
25%

*Applicable for 2-room flat owners who upgrade to a bigger flat.

You can choose to pay the resale levy at the point of resale or defer the payment until you buy another flat from HDB. If you opt to defer the payment, interest at the prevailing rate of 5% per annum will be charged. 

Mode of payment

The resale levy must be paid in cash.  HDB’s mortgage financing is not extended to the payment of resale levy.

When to pay

You will need to pay the resale levy:

If you sell your existing flat after taking possession of the second subsidised flat.

The resale levy will be deducted from the sale proceeds at the point of selling your existing flat in the open market. Any shortfall will have to be topped up in cash.

If you sell your existing flat before collecting the keys to the second subsidised flat.

The resale levy has to be paid in cash at the point of taking possession of your second subsidised flat.

Ownership/ interest in property 

You can invest in private residential property after the 5 year MOP. However, you have to continue living in the flat after the purchase of the private property.

Undertaking by parents/ married child who bought a new flat under Married Child Priority Scheme (MCPS)

Your parents/ married child are/ is to remain in the existing town or within 2 km of the new flat during the 5-year MOP.

3Gen flats

3Gen flats can only be resold in the open market to other eligible multi-generation families.

To buy a 3Gen flat, you and your multi-generation family must comprise:

  • Married couple and parent(s) 
  • Courting couple (fiancé and fiancée) and parent(s) 
  • Widow/ widower with child and parent(s) 
  • Divorcee with child and parent(s)

You must meet the minimum citizenship requirement to buy a flat under the Public Scheme or Fiancé/Fianceé Scheme. In addition, at least one of the parents must be a Singapore Citizen or Singapore Permanent Resident.

Short-lease 2-room Flexi Flats

See the conditions that apply to your short-lease 2-room Flexi flat including property ownership restrictions and disposal of current flat.

Return of short-lease 2-room Flexi flats

A short-lease 2-room Flexi flat cannot be sold in the open market. If you no longer wish to live in it or become ineligible to do so, the flat must be returned to HDB. We will then pay you a pro-rated sum of the original selling price, based on the remaining lease of the flat. 

Renting out of short-lease 2-room Flexi flats

You cannot sublet your bedroom or the whole flat.

Interest in private property

You can invest in private property after the 5-year MOP. However, you have to continue living in the short-lease 2-room Flexi flat after purchasing the private property.

Minimum Occupation Period (MOP)

As an owner or ex-owner of a short-lease 2-room Flexi flat, you must meet the 5 year time bar from the date you purchased the 2-room Flexi flat before you can apply for a new subsidised flat. These include: 

  • Flat bought from HDB 
  • Flat bought under the Sale of Flats to Sitting Tenants Scheme 
  • DBSS flat from the developers 
  • EC from the developers 
  • Resale flat bought with CPF Housing Grant Scheme

Undertaking by parents/ married child who bought a short-lease 2-room Flexi flat under Senior Priority Scheme

Your parents or married child must remain in the existing town or within 2 km of the short-lease 2-room Flexi flat during the 5-year MOP.

Disposal of existing flat

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

Disposal of existing private property

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.

Executive Condominium (EC)

After you buy an EC, there are certain conditions that apply before you can sell, rent out, or buy another subsidised property.

Selling of current HDB/ DBSS flat in the open market

You and your family members listed in the flat application must dispose of the existing flat within 6 months from when the EC's Temporary Occupation Permit (TOP) was issued. 

If you want to apply to buy an EC where the TOP has been issued, you are required to dispose of your existing HDB/ DBSS flat within 6 months from when the developer serves the Notice of Vacant Possession to you.

Taking a housing subsidy

You and your spouse will be considered to have taken a housing subsidy when you buy an EC from developers. 

Citizen Top-Up

If you are from an SC/ SPR household, you can apply for the Citizen Top-Up when your SPR family member takes up Singapore Citizenship or when you have an SC child. Read more on the Citizen Top-Up.

Minimum Occupation Period (MOP)

Sale of EC

ECs can only be sold in the open market after the 5-year MOP (from TOP date) has been met.

Essential occupiers in EC

Occupiers who are essential in forming a family nucleus with you in the EC application must continue to be listed in the application, and stay in the EC during the 5-year MOP. They cannot make a separate application, or be listed as occupiers in another application to buy an HDB flat or another EC within the MOP.

Renting out your EC

Renting out the whole EC unit

Renting out the whole EC unit within the 5-year MOP is not allowed.

Renting out rooms

You do not need prior approval from HDB to rent out the bedrooms in your EC within the MOP. However, you must register the subletting of bedrooms with HDB within 7 days of doing so. You are also required to notify HDB when you renew or terminate the subletting of bedrooms, and when there are changes to your subtenants’ particulars. You can go to the HDB Branch managing your EC to register the subletting. 

Buying another subsidised home

After selling your EC in the open market, you must wait 30 months before you can submit an application to buy any of these:

  • A new flat from HDB
  • An apartment under the Design, Build and Sell Scheme (DBSS) from developers
  • Another EC from developers

Resale levy

The resale levy is meant to reduce the housing subsidy on the buyers' second subsidised flat or EC. It ensures a fairer allocation of housing subsidies among home buyers.

You are liable to pay a resale levy of $55,000:

  • When you sell an EC bought with the CPF Housing Grant after meeting the MOP, and, after meeting a 30-month waiting period, buy a second subsidised flat from HDB or take over ownership of another subsidised HDB flat
  • Buy an EC from a developer where the land sale was launched on or after 9 Dec 2013, including those where tenders were not closed, i.e. Westwood Avenue, Canberra Drive, and Anchorvale Crescent

If you do not intend to buy a second subsidised flat from HDB, and choose to buy a resale flat, a new DBSS flat, an EC from a developer where land sale was launched before 9 Dec 2013 or a private residential property, you need not pay the resale levy.

Interest in private property

You can invest in private residential property after the 5-year MOP.