• With my income, I cannot afford to buy a flat. Can HDB let me have a rental flat?

    For low-income citizen households who cannot afford to buy a flat and have no other housing options or family support, HDB can assist them with public rental flats.

    Rents of these flats are heavily subsidised to help those in need. You may apply for one if you meet this set of eligibility criteria.

    Helping rental tenants progress onto home ownership

    HDB is committed to helping Singaporeans own a home, including low-income households who live in public rental flats. There are several assistance measures to help them progress onto home ownership when they are ready. These measures include:


    First-timer families

    Second-timer families

    Housing Grants

    With Enhanced CPF Housing Grants of up to $80,000, their first flat purchase from HDB will become even more affordable. They can use the grants to pay part or all of the downpayment, and reduce their loan amount


    Under the Fresh Start Housing Scheme, they can enjoy a Fresh Start Housing Grant of up to $35,000 to buy a 2-room Flexi flat with shorter lease.

    Those looking to buy a 2-room or 3-room, new or resale flat in the non-mature estates can receive a Step Up Housing Grant of $15,000.

    Priority Scheme

    They will be given priority in sales exercises. Up to 10% of available 2-room Flexi and 3-room BTO/ SBF flats will be set aside for them under the Tenants’ Priority Scheme.

    Home ownership Support Team

    A dedicated team of HDB officers will guide and support rental tenants who are ready to buy a flat. The officers will advise them on their housing budget and options, the grants and schemes available to them, and help them through the flat buying process from application to key collection.

    If they require help in other areas such as employment support and financial assistance with their children’s school fees, etc, we will also link them up with social service agencies.


    Example: Fresh Start Housing Scheme

    Mr and Mrs Tan, aged 40, are second-timers. They are living with their 12-year-old child in a 2-room public rental flat. Mr Tan is the sole breadwinner, earning $1,400 a month. They are currently paying monthly rental of $240 in cash.

    If they apply for a 2-room flexi flat with a 60-year lease under the Fresh Start Housing Scheme (Fresh Start), they will be eligible for up to $35,000 in housing grants. Assuming they have cash/ CPF savings of $35,000, they would need a housing loan of about $65,800, which they will be able to qualify for with their household income. The monthly mortgage instalment of $300, over a loan tenure of 25 years, can be paid mostly through their CPF contributions of $290. The remaining $10 can be paid by cash. This will free up more cash for their daily needs. Find out more about Fresh Start.


    Example: Step-Up Housing Grant, Home ownership Support Team

    Mdm Lim, who is divorced with a young child, was a rental tenant of a 1-room flat. She wanted to buy a flat of her own to provide a stable home for her child. However, having bought a flat from HDB previously, she no longer qualified for the CPF Housing Grant.

    When officers from HDB’s Home ownership Support Team learnt of Mdm Lim’s case, they helped her to apply for a Step-Up CPF Housing Grant of $15,000, and guided her through the flat buying process. With the grant, Mdm Lim has since gone on to buy a 3-room resale flat in a non-mature estate. She and her child now have a home to call their own.



    Helping Rental Tenants Move Onto Home Ownership