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Eligibility Schemes

You can buy an HDB resale flat when you meet the conditions of our eligibility schemes. Alternatively, use our e-Service to check which eligibility schemes you qualify for, be it for new or resale flats.

Overview

The eligibility conditions in the table below apply to all resale flat purchases. Please refer to the individual schemes for information on the following criteria:

Eligibility conditions that apply to all schemes

Criteria Details
Income ceiling

None

Note: While there is no income ceiling for buying an HDB resale flat, there are income ceilings for CPF Housing Grants and HDB housing loans.

Ownership/ interest in HDB flats

If you or any persons listed in the application owns an HDB flat, you must dispose of the HDB flat within 6 months of the resale flat purchase

Ownership/ interest in property in Singapore or overseas other than HDB flats

If you or any person listed in your resale flat application owns a private property either locally or overseas, you must dispose of all private properties before or within 6 months of the resale flat purchase

Note: If you own a private property, you are not eligible for a CPF Housing Grant or an HDB housing loan.

 

Public Scheme

Buy an HDB resale flat with your family. For example, with your wife and children, parents and siblings, or children (if you are widowed or divorced).

Eligibility criteria

Criteria Details
Citizenship

You must

  • Be an SC or SPR
  • Include at least 1 listed occupant who is an SC or SPR
  • SPR household (i.e. a SPR household with no SC owner): All SPR owners and essential occupiers will have to wait 3 years from the date of obtaining SPR status before they can buy a resale flat
Age

21 years old or above

Family nucleus

You must form a family nucleus with 1 of the following groups. Your:

  • Spouse and children
  • Parents and siblings
  • Children under your legal custody, care and control (for widowed/ divorced persons)
EIP and SPR quota

In line with the EIP and SPR quota, you will need to check that you are within the proportion/ limit for the block/ neighbourhood

 

Fiancé/Fiancée Scheme

Buy an HDB resale flat with your fiancé or fiancée.

Eligibility criteria

Criteria Details
Citizenship

You and your fiancé or fiancée must be either:

  • SC or SPR
  • SPR household (i.e. a SPR household with no SC owner): All SPR owners and essential occupiers will have to wait 3 years from the date of obtaining SPR status before they can buy a resale flat
Age

21 years old or above

Family nucleus

Your fiancé or fiancée must be listed in the application as either:

  • A co-applicant (if 21 years old or above)
  • An occupant

Note: Special conditions apply for fiancé or fiancée below 21 years old

EIP and SPR quota
In line with the EIP and SPR quota, you will need to check that you are within the proportion/ limit for the block/ neighbourhood
Special conditions

You and your fiancé or fiancée must:

  • Register your marriage with the Registry of Civil Marriages or Registry of Muslim Marriages
  • Submit your marriage certificate to us within 3 months from  resale completion date 

If applying for CPF Housing Grant

  • You must submit your marriage certificate on or before the resale completion date

Consent of parents

  • If your fiancé or fiancée is between 18 and 21 years old, his/ her parents must agree to the purchase.

Special Marriage Licence

  • If your fiancé or fiancée is below 18 years old, you need to apply for a Special Marriage Licence from the Ministry of Social and Family Development and submit it to us for verification.

Divorcees are required to produce the following for verification:

  • Interim Judgment (previously known as Decree Nisi)
  • Order of Court
  • Final Judgment (previously known as Decree Nisi Absolute)
 

Single Singapore Citizen Scheme

Buy an HDB resale flat as a single. You must be at least 35 years old if you are unmarried or divorced, and at least 21 years old if you are widowed or an orphan.

Eligibility criteria

Criteria Details
Citizenship

You must be an SC

Age
  • Unmarried or divorced: 35 years old or above
  • Widowed or an orphan: 21 years old or above
EIP and SPR quota

In line with the EIP and SPR quota, you will need to check that you are within the proportion/ limit for the block/ neighbourhood

Special conditions

For orphans:

  • At least one of your deceased parents must have been an SC or SPR
  • If you are below 35 years old, you must not have another sibling who is below 35 years old buying/ owning another flat under the:
    • ​Orphans Scheme
    • Single Singapore Citizen Scheme 
    • Joint Singles Scheme
 

Joint Singles Scheme

2 to 4 singles can jointly buy an HDB resale flat. If you are unmarried or divorced, you must be at least 35 years old. If you are widowed or an orphan, you must be at least 21 years old.

Eligibility criteria

Criteria Details
Citizenship

You and all the co-applicants must be SCs

Age
  • Unmarried or divorced: 35 years old or above
  • Widowed or an orphan: 21 years old or above
EIP and SPR quota
In line with the EIP and SPR quota, you will need to check that you are within the proportion/ limit for the block/ neighbourhood
Special conditions
  • The flat must be bought jointly, i.e. each single SC must be listed as a co-applicant
  • For orphans
    • At least one of your deceased parents must have been an SC or SPR
    • If you are below 35 years old, you must not have another sibling who is below 35 years old buying/ owning another flat under the:
      • Orphans Scheme
      • Single Singapore Citizen Scheme
      • Joint Singles Scheme
 

Non-Citizen Spouse Scheme

If your spouse is a not an SC or SPR, you can buy an HDB resale flat under the Non-Citizen Spouse Scheme.

Eligibility criteria

Criteria Details

Citizenship

You must be an SC
Age
 
If you are 21 years old or above
  • Your spouse must have a Long Term Visit Pass or Work Pass. The pass must be valid for at least 6 months and valid at the time you submit your application to buy a resale flat.

If you are 35 years old or above

  • Your spouse must have a Visit Pass or Work Pass. The pass can have a validity period of less than 6 months. However, it must be valid at the time you submit your application to buy a resale flat.

Note: If the Visit Pass or Work Pass expires during the transaction to buy a resale flat, it must be renewed and valid by the time of your resale flat purchase completion date.

Family nucleus

Your non-citizen spouse must be listed in the application as an occupier

EIP and SPR quota

In line with the EIP and SPR quota, you will need to check that you are within the proportion/ limit for the block/ neighbourhood

 

Non-Citizen Family Scheme

If you are a single SC and your family members (e.g. parents) are not SCs or SPRs, you can buy an HDB resale flat under the Non-Citizen Family Scheme.

Eligibility criteria

Criteria Details
Citizenship

You must be an SC

Age

21 years old or above

Family nucleus

You must form a family nucleus with 1 of the following groups:

  • Your parents and siblings (if any)
  • Children under your legal custody, care and control (for widowed/ divorced persons) 

At least 1 parent/ child must have a valid Long Term Visit Pass or Work Pass. The pass must be valid for at least 6 months and valid at the time you submit your application to buy a resale flat.

Note:If the Visit Pass or Work Pass expires during the transaction to buy a resale flat, it must be renewed and valid by the time of your resale flat purchase completion date.

EIP and SPR quota

In line with the EIP and SPR quota, you will need to check that you are within the proportion/ limit for the block/ neighbourhood.

 

Orphans Scheme

If you and your sibling(s) are orphans and single, you can jointly buy an HDB resale flat.

Eligibility criteria

Criteria Details
Citizenship

You must:

  • Be an SC
  • Include at least 1 unmarried SC or SPR sibling as a co-applicant or occupant in your application
Age

21 years old or above

EIP and SPR quota

In line with the EIP and SPR quota, you will need to check that you are within the proportion/ limit for the block/ neighbourhood

Special conditions

  • Your application must comprise yourself (an unmarried orphan) and your unmarried sibling(s)
  • At least one of your deceased parents must have been an SC or SPR
  • If you are below 35 years old, you must not have another sibling who is below 35 years old buying/ owning another flat under the:
    • Orphans Scheme
    • Single Singapore Citizen Scheme 
    • Joint Singles Scheme
 

Conversion Scheme

Subject to approval, the Conversion Scheme allows you and your family to buy adjoining flats that are 3-room or smaller and convert them into 1 unit.

You can buy 2 adjoining 3-room or smaller flats, or buy the 3-room or smaller flat that is adjoined to your currently owned 3-room or smaller flat.

Eligibility criteria

Criteria Details
Citizenship

You must:

  • Be an SC or SPR
  • Include at least 1 listed occupant who is an SC or SPR
Age

21 years old or above

Family nucleus

You must form a family nucleus with 1 of the following groups:

  • Your spouse and children (if any)
  • Your parents and siblings (if any)  
  • Children under your legal custody, care and control (for widowed/ divorced persons)
EIP and SPR quota
  • Option 1 (Buy 2 adjoining 3-room or smaller flats)
    • In line with the EIP and SPR quota, you will need to check that you are within the proportion/ limit for the block/ neighbourhood
  • Option 2 (Buy the 3-room or smaller flat that adjoins your currently owned 3-room or smaller flat)
    • No EIP/ SPR quota restriction

Please note this application procedure when buying an adjoining HDB flat under this scheme.

CPF Housing Grants

You may be eligible for certain CPF Housing Grants. This depends on the eligibility scheme you purchase your flat under.

Eligibility Scheme

Possible CPF Grants

  • Public Scheme
  • Conversion Scheme
  • Family Grant
  • Additional Housing Grant
  • Half-Housing Grant
  • Singles Grant
  • AHG (Singles) Grant
  • Proximity Housing Grant
  • Fiancé/Fiancée Scheme
  • Family Grant
  • AHG
  • Half-Housing Grant
  • Proximity Housing Grant
  • Single Singapore Citizen Scheme
  • Non-Citizen Spouse Scheme
  • Non-Citizen Family Scheme
  • Singles Grant
  • AHG (Singles) Grant
  • Top-Up Grant (at a later stage)
  • Proximity Housing Grant
  • Joint Singles Scheme
  • Orphans Scheme
  • Singles Grant
  • AHG (Singles) Grant
  • Proximity Housing Grant (for Joint Singles Scheme only)
 

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 an HDB flat that is bigger than a 5-room flat or a 3Gen-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.