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Design, Build and Sell Scheme (DBSS) Flat

A new Design, Build and Sell Scheme (DBSS) flat is offered for sale under similar eligibility conditions as those of a new HDB flat. However, you buy the flat directly from the developer, not from us. Before you submit an application, we advise that you also learn more about the conditions that apply after you buy a new DBSS flat.

What are the eligibility conditions?

You and any other applicants and essential occupiers need to meet several eligibility conditions such as citizenship, age, income, and property ownership.

Family Nucleus

You will need to qualify for the DBSS flat under 1 of these eligibility schemes:

  • Public Scheme
  • Fiancé/Fiancée Scheme
  • Orphans Scheme

Citizenship

  • You must be a Singapore Citizen
  • At least 1 other applicant must be a Singapore Citizen or Singapore Permanent Resident

Age

At least 21 years old

Income Ceiling

The monthly household income must not exceed $12,000, or $18,000 if applying with your extended family.

Property Ownership

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

Which eligibility scheme do I apply under?

You can apply for a new DBSS flat under any of these eligibility schemes: Public Scheme, Fiancé/Fiancée Scheme, or Orphans Scheme.

Public Scheme

You 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)

Applications under this scheme are only valid if there are no changes to the people listed. That means that you are not allowed to subsequently 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 this scheme.

Submission of marriage certificate

Under this scheme, you need to submit a copy of your marriage certificate to the developer.

If You:

Submit Copy of Marriage Certificate:

Applied for a CPF Housing Grant

Before taking possession of your flat

Did not apply for a CPF Housing Grant

Within 3 months of taking possession of your flat

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 when you book a DBSS flat.

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 when you book a DBSS flat.

No change of people listed in the application

Applications under this scheme are only valid if there are no changes to the people listed. That means that, in a case of break-up, you are not allowed to subsequently include the name(s) of a new Fiancé/Fiancée or your parents in the application, even if your ex-Fiancé/Fiancée agrees.

Orphans Scheme

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

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

Note that under the Orphans Scheme, siblings are not allowed to buy/ rent flats separately.

What is the income ceiling?

Your average gross monthly household income must not exceed:

  • $12,000
  • $18,000 if applying with your extended family

What income documents must I submit?

To assess the average gross monthly household income for your DBSS 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.

Income documents to prepare

You and any other applicants and essential occupiers will need to prepare:

  • Latest 3 months’ payslips if employed full-time
  • 12 months’ of income documents for other employment types
  • Proof of unemployment if not working

Aside from these documents, we or the developer 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
  • 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

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

Part-time worker

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

or

  • Letter from employer certifying salaries for the lastest 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 lastest 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

Latest NOA from IRAS

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 18 to 62 years old)

  • Statutory Declaration to declare the employment status or valid Student Pass if currently a full-time student
  • If unemployed for less than 3 months, the following documents are required:
    • Income proof for the preceding months 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 executed at the HDB Hub Loans Counter or any HDB Branch. Declarants are required to bring along their Identity Cards
  • If not in Singapore, the Statutory Declaration can be made in the presence of a Commissioner for Oaths or Notary Public for that country

Income/ allowance that will be considered for the income ceiling

  • Allowances (fixed/ variable) received on a regular basis (e.g. 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

What is the $18,000 extended family income ceiling? How do I work it out?

This income ceiling is set at a higher level of $18,000 to encourage and facilitate working adults and their parents to live as an extended family in a DBSS flat-- such as a married couple, their siblings, and their parents. It is calculated using the combined income of 2 set groups in the extended family.

How to calculate the $18,000 income ceiling

The set groups and income ceiling calculation are as follows:

Household Type

Income of Group A

(Cannot exceed $12,000)

Income of Group B

(Cannot exceed $12,000)

Extended Family Income Ceiling

Parents* with single children

Parents and 1 of the single children

Remaining single children

Group A + Group B must not exceed $18,000

Parents* with married children^

Parents and remaining working children (if any)

The married children and their children (if any)

* Includes widow/ widower or divorcee

^ Includes applicants applying under the Fiancé/Fiancée Scheme

Example

A married couple and their 3 working children wish to buy a new flat. Individually, their average gross monthly income is:

  • Husband: $5,000
  • Wife: $4,000
  • Child A: $4,000
  • Child B: $3,000
  • Child C: $2,000

Their average gross monthly income as an extended family thus works out as:

Income of Group A

  • Parents and 1 of the single children
  • Cannot exceed $12,000

Income of Group B

  • Remaining single children
  • Cannot exceed $12,000

Extended Family Income Ceiling

  • Group A + Group B must not exceed $18,000
  • Husband: $5,000
  • Wife: $4,000
  • Child B: $2,000

Total = $11,000

  • Child A: $4,000
  • Child C: $3,000

Total = $7,000

  • Group A: $11,000
  • Group B: $7,000

Total = $18,000

The extended family’s income is within the income ceiling.

 

What if I am an undischarged bankrupt?

Prior consent must be obtained from the Official Assignee (OA) or the private trustee, if you are applying to buy a DBSS flat that is bigger than a 5-room flat. From 1 February 2016 onwards, prior consent is also required to buy any flat type with a net purchase price of $500,000 or above, after taking into account any HDB subsidies or levy.

You do not need to seek prior consent from the OA or the private trustee to be listed as an occupier of a flat.

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. You are not required to pay a resale levy when you buy a DBSS flat from a developer as a second-timer.

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 will be glad to know that you and your spouse/ spouse-to-be will enjoy first-timer privileges and priority as a couple.

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)
 

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 DBSS 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 an HDB flat application

MOP requirements: current owner of a flat/ EC

Before applying for the new flat, do you – or any other flat applicant(s)/ essential occupier(s) to be listed in the flat application – own any of these?

  • HDB flat bought from HDB
  • Resale flat bought using 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 apply for a new DBSS flat.

In the case of ECs, you must also wait out a 30-month period from the EC’s effective date of disposal as evidenced by your Notice of Transfer, or any other such documentation requested.

Type of Property Owned

Time Period Before You Can Apply for a New DBSS Flat

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

MOP of 5 years

EC bought from the developer

MOP of 5 years + 30 months from date of EC disposal

MOP requirements: essential occupier of a flat/ EC

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

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

Essential Occupier In:

Time Period Before You Can Apply for a New DBSS 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, conditions will apply for the following 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're 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 an HDB flat application after booking a flat

If you booked a new HDB 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 with a CPF Housing Grant
  • Resale flat announced for SERS

Can I get a new DBSS flat if I used to/ still own or have full/ partial interest in a local/ overseas non-HDB property?

No, you may not. For a DBSS 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 DBSS flat application, and up to the date of taking possession of the DBSS flat

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 get a new DBSS flat if I used to/ still own an HDB flat, DBSS flat, or EC?

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 with a CPF Housing Grant (only applies to first-timer applicants)

In essence, an eligible Singapore Citizen is allowed to buy the above properties twice in total, not twice per property type

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