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HDB Flat

These are the eligibility conditions to buy a new HDB flat (3-room flats and bigger). Before submitting your application, we advise you to learn more about the flat types that are available, the financial planning involved in the flat purchase, and the conditions that apply after you buy a new flat.

You can also refer to information on our 2-room Flexi scheme, if you intend to buy a 2-room Flexi flat

What are the eligibility conditions?

A new HDB flat is subsidised and meant for Singapore Citizens. You and any other applicants and essential occupiers need to meet several eligibility conditions such as age, income, and property ownership.

Overview of eligibility conditions

Eligible Applicant/ Family Nucleus

  • You will need to qualify for a new flat under one of our eligibility schemes:
    • Public Scheme
    • Fiancé/ Fiancée Scheme
    • Orphans Scheme 

Citizenship

  • At least 1 Singapore Citizen applicant
  • At least 1 other Singapore Citizen or Singapore Permanent Resident#

Age

  • At least 21 years old

Income Ceiling

  • You are within the set income ceiling for the flat you intend to buy

Property Ownership

  • You do not own other property overseas or locally, and 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 those properties/ received 1 CPF Housing Grant thus far

# First-timer households comprising of only 1 Singapore Citizen and 1 or more Singapore Permanent Resident family members will have to pay $10,000 premium at the point of flat purchase. You may apply for the additional $10,000 Citizen Top-Up Grant when your spouse gets Singapore Citizenship or when you have an Singapore Citizen child.

Which eligibility scheme do I apply under?

Under our eligibility schemes for new flats, you can get a new flat as a couple or a family.

Eligibility Schemes

  • Public Scheme
  • Fiancé/Fiancée Scheme
  • Orphans Scheme

You can also use our e-Service to check your eligibility. It gives you an indication of whether you are eligible for a new or resale flat.

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)

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.

If applying for a 3Gen flat

For 3Gen flat applications, a multi-generation family is any of the following:

  • Married/ engaged couple* and parent(s)^
  • Widowed/ divorced with a child and parent(s)^

* The couple must be eligible to buy a flat under the Public Scheme or Fiancé/ Fiancée Scheme.

^ At least 1 parent must be a Singapore Citizen or Singapore Permanent Resident.

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.

If applying for a 3Gen flat

For 3Gen flat applications, a multi-generation family is any of the following:

  • Married/ engaged couple* and parents^
  • Widowed/ divorced with a child and parents^

* The couple must be eligible to buy a flat under the Public Scheme.

^ At least 1 parent must be a Singapore Citizen or Singapore Permanent Resident.

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.

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)
  • 4-room flat or bigger
  • $12,000
  • $18,000 if purchasing with extended or multi-generation family
  • 3-room flat

Non-mature estates: $6,000 or $12,000, depending on the project.

Mature estates: $12,000

Our press release during the sales launches will specify the income ceiling for each project.

 

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 types of employment
  • Proof of unemployment if not working

Aside from these 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.

  • 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

or

  • Letter from employer certifying salaries for the last 12 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

or

  • Letter from employer certifying salaries for the last 12 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

and

  • Previous year’s NOA from IRAS

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 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 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 income
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance

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

This income ceiling is set at a higher level of $18,000 to encourage and help working adults and their parents to live as an extended family in a flat. This includes married couples, 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 C: $2,000

Total = $11,000

  • Child A: $4,000
  • Child B: $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.

 

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 applicant(s)/ essential occupier(s) 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 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 an HDB sales launch.

Second-Timer Applicant/ First-Timer Single

Can 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 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)

What if I am an undischarged bankrupt?

Prior consent must be obtained from the Official Assignee (OA) if you are applying to buy an HDB flat that is bigger than a 5-room flat or a 3Gen-flat. From 1 February 2016, the OA’s 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 the OA’s approval to be listed as an occupier of a flat.

 

Do I need to pay a resale levy?

When buying a new HDB flat, a resale levy is payable if you have previously bought a new HDB flat, a DBSS flat or an EC from the developers, or received a CPF Housing Grant. 

 

Can I get a new HDB 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 new 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.

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 HDB 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 using 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 type of property.

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.