Eligibility to buy new HDB flat
 

Flats sold by HDB are subsidised and meant for Singapore Citizens who meet the following:
Eligibility Conditions
Household Status
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Eligibility Conditions

Citizenship
  • You must be a Singapore Citizen
  • Public Scheme / Fiance/Fiancee Scheme / Orphans Scheme: Your family nucleus must comprise at least another Singapore Citizen or Singapore Permanent Resident.
  • Non-Citizen Spouse Scheme: Your spouse is not a Singapore Citizen or Singapore Permanent Resident




Age

You must be at least 21 years old at the time of application.

You must be at least 35 years old at the time of application to buy a 2-room flat in non-mature estates under the Build-To-Order System (BTO) exercise under the Single Singapore Citizen Scheme, Non-Citizen Spouse Scheme and Joint Singles Scheme.


Family Nucleus

You must form a family nucleus under one of the following schemes:

SchemeFamily Nucleus
PublicYou, the applicant, and;
- your spouse, and children (if any)
- your parents, and siblings (if any)
- your children under your legal custody, care and control (for widowed/ divorced)

Definition of multi-generation family for the purchase of 3Gen flat
Fiance/Fiancee

Additional Information
You, the applicant, and your fiance/fiancee

Definition of multi-generation family for the purchase of 3Gen flat
Orphan

Additional Information
You, the applicant, and your unmarried siblings
Single Singapore Citizen#You, the applicant, must be a First-timer and is:
- unmarried , divorced or widowed
Non-Citizen Spouse#

Additional Information
You, the applicant must be a First-timer, and your spouse who is not a Singapore Citizen or Singapore Permanent Resident
Joint Single Scheme#

Additional Information
You, the applicant, and the co-applicants (up to a maximum of 4) must be First-timers and are:
- unmarried , divorced or widowed
# Applicable to 2-room flat in the non-mature estates under the BTO



Income Ceiling

Type of FlatAverage Gross Monthly Household Income
Buying a 3-room (mature towns/estates), 3-room (Premium), 4-room or bigger flat
  • Your average gross monthly household income must not exceed $10,000
  • If you are buying a flat with your extended family, your average gross monthly household income must not exceed $15,000

Illustration on computation of $15,000 income ceiling
Buying a standard 3-room (non-mature towns/estates)Your average gross monthly household income must not exceed $5,000.
Buying a 2-roomYour average gross monthly household income must not exceed $5,000.
More information on the income guidelines


Special Requirement for Undischarged Bankrupts

Undischarged bankrupts need to seek the Official Assignee (OA)'s consent if they are applying for an HDB flat which is bigger than a 3Gen or a 5-room flat. However, they do not need to seek the OA's approval to be listed as an occupier of an HDB flat regardless of flat type.


Ownership/Interest in Property in Singapore or Overseas other than HDB flats

You, your spouse, any occupiers listed in the Application Form or their spouses must not own or dispose or have an estate or interest in any other flat, house, building or land*
    • Within 30 months before the date of application, and
    • Between the application date and the date of taking possession of the flat

* includes but 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 properties
  • Properties owned/acquired/disposed through nominees regardless of properties location

Exemption to Exceptional Cases

HDB may consider granting exemption to exceptional cases based on the merits of each case. If you wish to seek exemption to buy a flat direct from HDB, please complete the property questionnaire and submit it to HDB.



Owners/Ex-owners of HDB flats / DBSS flats / EC units

Each eligible Singaporean household can buy the following housing unit only twice:
  • a flat from the HDB;
  • a resale flat with the CPF Housing Grant*;
  • a DBSS flat from developer;
  • an EC unit from developer.

*Only applicable for first-timer applicants

If you have already bought two housing units, you will not be eligible to apply or be listed as an essential occupier in an application.


Household Status

First-timer Applicants

You and the essential family members listed in the application for purchase of the flat must not:
  • Be the owners of a flat bought direct from HDB, a DBSS flat or an Executive Condominium bought from the developer
  • Have sold a flat bought direct from HDB, a DBSS flat or an Executive Condominium bought from the developer
  • Have received the CPF Housing Grant for the purchase of an HDB resale flat
  • Have taken other forms of housing subsidy (for example, benefitted under the Selective En bloc Redevelopment Scheme, privatisation of HUDC estate etc)



Second-timer Applicants

You or the essential family members listed in your application have owned/sold or are currently owners of
  • Any HDB flat that was bought from HDB
  • Any resale flat that was bought under the CPF Housing Grant Scheme
  • Any apartment under Design, Build and Sell Scheme or Executive Condominium from the developer
  • Have taken other forms of housing subsidy (for example, benefitted under the Selective En bloc Redevelopment Scheme, privatisation of HUDC estate etc.)

Couples comprising First-timer and Second-timer

If you are a Second-timer and your spouse or fiancee is a First-timer, you will enjoy the same priority in flat allocation as other First-timer families. The priority for First-timer families includes:
Resale Levy
If you have previously bought a flat from the HDB or taken a CPF Housing Grant, you will have to pay a resale levy. If you previously own an EC which is bought with the CPF Housing Grant, you will have to pay a resale levy of $55,000.




Time Bar

Existing Owner or Ex-Owner of a Flat

You can apply for a flat if you, your spouse or any of the essential occupiers listed in the application is an existing owner or ex-owner of a:
  • flat bought directly from HDB,
  • resale flat bought under the CPF Housing Grant Scheme,
  • DBSS flat bought from the developer, or
  • EC bought from the developer.

This is on condition that a 5-year period (excluding any period of subletting of the whole flat) has lapsed from the *date of taking possession of the existing flat to the date of application for a new flat.


Ex-Owner of an EC

Are you, your spouse or any of the essential occupiers listed in the application an ex-owner of an Executive Condominium bought directly from the developer? If yes, you would need to meet a 5-year period from the date of taking possession of the earlier Executive Condominium.

30-Month Period

In addition, you need to wait out a 30-month period from the effective date of disposal (i.e., date of legal completion of the sale of your Executive Condominium, evidenced by the Notice of Transfer or such other documentary evidence as HDB may require) of the Executive Condominium before you can apply to buy an HDB flat.


Essential Occupier of an Existing HDB Flat

You or any person listed the application must not be currently listed as an essential occupier of:
    • An existing HDB flat bought directly from HDB,
    • A DBSS flat bought under the CPF Housing Grant Scheme, or,
    • A resale flat bought under the CPF Housing Grant Scheme

However, an essential occupier may apply or be included in an application only if he has stayed in the existing flat for 5 years from the *date of taking possession of the existing flat to the date of application for a new flat.

* The date of taking possession refers to:
    • The date of key collection, for flats that are bought directly from HDB
    • The date of resale completion, for purchase of resale flats from the open market bought with the CPF Housing Grant
    • The date of transfer at market value of the flat bought with CPF Housing Grant
    • The date of key collection for Executive Condominium/DBSS flats bought from the developer, whichever is applicable.



Cancellation of Application After Booking a Flat


If you book a flat from the March 2012 Build-To-Order and Sale of Balance Flats Exercises onwards and subsequently cancel the flat booking, you will have to meet a 1-year period from the date of cancellation before you can apply or be included as an essential occupier in an application for a:
  • new HDB flat
  • DBSS flat from developers
  • Executive Condominium unit from the developers
  • resale flat with CPF Housing Grant
  • resale flat that has been announced for SERS



Non-selection of Flat

From the July 2013 Build-To-Order exercise onwards, Second-timer applicants and First-timer singles who do not book a flat twice when invited to do so will have to wait out one year before they can participate in any HDB sales exercises.


Divorcees

Within three years from the date of the divorce, only one party in the divorce can own one of the following housing units:
  • a flat bought directly from the HDB
  • a DBSS flat / EC bought directly from a private developer
  • a resale flat bought from open market under the CPF Housing Grant Scheme

If you have an existing matrimonial home, which is one of the above, and that home is retained by your ex-spouse, you may apply to buy or be listed as an essential occupier in any of the above housing unit only three years after your date of divorce.

However, this three-year wait out period will not apply if you are buying any of the above homes with your parents or a new spouse, or if you are buying a resale flat from the open market without the CPF Housing Grant.

If there is no matrimonial home or the matrimonial home was bought from the open market without any CPF Housing Grant, you may apply for any of the above housing units after you get your ex-spouse's consent not to own or be listed as an essential occupier in any of the above housing units within the three-year period from the date of divorce.

The requirement for ex-spouse's consent is waived if you are buying any of the above housing units with your parents or a new spouse or if you are buying a resale flat from the open market without the CPF Housing Grant.

The requirement to seek ex-spouse's consent during the three-year period from the date of divorce is also waived if you meet the following conditions:
  • All your children are below 18 years old at the date of divorce; and
  • You have the legal custody of all your children and are also the only parent with the care and control of all your children.

Read about the Assistance Scheme for Second-Timers (Divorced/Widowed Parents) [ASSIST]


Last Updated on 09 Apr 2014
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