Before committing to the purchase of an adjoining flat, you shall:

• Request HDB to check whether the pairing of flats is possible and
• Mode of financing

Read more about the purchase of resale flats under Conversion Scheme:


Below is the step-by-step guide to the procedures involved:

1	Get the application form, "Scheme for Conversion of 3-Room or Smaller Flat" from: The Resale Operations Unit Atrium 1st floor HDB Hub 480 Lorong 6 Toa Payoh
2	Complete the application form and submit it to the Resale Operations Unit.
3	HDB will check whether the pairing of flats is possible.

The purchase of an adjoining flat can be financed with

• An HDB loan (if you meet the eligibility conditions and credit assessment) or
• A bank loan

Under the HDB Loan, HDB will give a loan of up to 90% of whichever is lower:

• Market value, or
• Declared resale price of the adjoining flat

In addition, the loan amount is also subject to credit assessment and full utilisation of the buyers' CPF savings in their Ordinary Accounts.



If you are changing your mode of financing for the purchase of the adjoining unit, you must make sure that the outstanding mortgage loan for your existing flat has been discharged.


You must:

• Check with the bank on the total loan amount available for discharge of the outstanding mortgage loan and for the purchase of the adjoining flat.
• Ensure that the outstanding HDB/bank loan of your existing flat has been discharged before purchasing of the adjoining flat.

You must:

• Consult your bank on the procedures involved in discharging the outstanding mortgage loan for your existing flat.
• Ensure that the outstanding bank loan has been discharged before purchasing of the adjoining flat.

HDB loan financing is only for purchase of the adjoining flat and not for the discharge of bank loan.



On completion of purchase, you must convert the two adjoining flats into one unit by:

What you need to do	Who you shall engage	The change is...
Constructing at least an opening (1meter x 2meters) between the 2 units	Registered renovation contractor Need to apply renovation permit from HDB before the work.	Mandatory
Removing one each of the PUB meters for electricity, water and gas supply	Licensed contractor	Mandatory
Making good the electrical sub-mains outside the flats after removal of the PUB meter	HDB term contractor	Optional
Carrying out re-wiring	Licensed electrical contractor* Need to apply for approval from Power Supply Pte Ltd before the work.	Optional
Carrying out water re-piping	Licensed plumber* Need to apply for approval from PUB Water Department before the work.	Optional
Carrying out gas re-piping	Licensed gas service worker* Need to apply approval from Power Supply Pte Ltd before the work.	Optional

You shall retain the existing flat number for the combined flat



You can sell your converted flat:

• After you have met the Minimum Occupation Period for the flat; and
• In accordance with the prevailing resale policy

If your original 3-room or 2-room flat was bought directly from HDB, you will be:

• Treated as having sold a flat, and
• Required to pay the resale levy

If your original 3-room or 2-room flat was your second flat bought directly from HDB, you will be debarred permanently from buying another flat from HDB.

You cannot sub-divide the converted flat into two flats to sell, transfer, surrender, etc.




You are required to pay for the upgrading costs based on the sum total of the two original flat types

As each Singapore Citizen household is only allowed to enjoy one upgrading subsidy, the subsidy for the second flat will be reduced even if you have not enjoyed an upgrading subsidy previously.

In addition, if the precinct has voted in favour of the Standard Package plus Space-adding Item, you will be required to pay for the 2 additional space-adding items. Read more about the type of upgrades under MUP.


You are required to pay for the upgrading costs based on the redesignated flat type.

Last Updated on 26 Aug 2010