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To qualify for Fresh Start, your family must meet the following conditions:
<ol style="list-style-type: lower-roman;">
 <li>You and your spouse (if applicable) must be aged 35 to below 55</li>
 <li>You&nbsp;or your spouse, and at least 1 of your children (aged below 21) must be Singapore Citizens</li>
 <li>You or your spouse (if applicable) has been in stable employment for the last 12 months</li>
 <li>Your&nbsp;average gross monthly household income must not exceed $7,000</li>
 <li>Your&nbsp;household members do not own other properties overseas or locally, and have not disposed of any in the last 30 months</li>
 <li>Your&nbsp;household has not previously received any subsidy under the Relocation, Sale of Flat to Sitting Tenants, or Rent &amp; Purchase Schemes</li>
 <li>Your&nbsp;household has occupied a public rental flat for at least 1 year, with less than 3 months of rental arrears in the last 12 months</li>
 <li>Qualify&nbsp;for the Letter of Social Assessment (LSA) from HDB based on stability of family, employment, finances, and school attendance of the children. The LSA is subject to yearly renewal, until 5 years after key collection&nbsp;</li>
</ol>
<h2>Other things to note</h2>
<ol style="list-style-type: lower-roman;">
 <li>You must apply for a flat within the first year of your LSA to remain on Fresh Start&nbsp;</li>
 <li>You must get your LSA renewed yearly to collect the keys to your flat booked under Fresh Start. Otherwise, you may have to forfeit 5% of the flat price</li>
 <li>The&nbsp;maximum HDB loan you can take is 75% of the flat price, based on prevailing Loan-to-Value limits</li>
 <li>At&nbsp;least 10% of the flat price must be paid using your CPF Ordinary Account (OA) savings and/or cash. First-timers may use the Enhanced Housing Grant (EHG) for this</li>
 <li>The&nbsp;remaining flat price can be paid using your CPF OA savings and/or cash. Second-timers may use the upfront Fresh Start Housing Grant for this</li>
 <li>Second-timers&nbsp;will receive the deferred Fresh Start Housing Grant over 5 years after key collection. The yearly disbursement is subject to the renewal of your LSA</li>
 <li>Your&nbsp;family may need to attend face-to-face interviews to renew your LSA</li>
</ol>
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Eligibility conditions

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If you meet the eligibility conditions, you may apply for the Fresh Start Housing Scheme <a rel="noopener noreferrer" href="https://services2.hdb.gov.sg/webapp/AA11AWFreshStartAppWeb/AA11PFreshStartNote" target="_blank">online</a>.
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How to apply

<div style="text-align:justify;">
<h2>Example 1: Short-lease 2-room Flexi flat for second-timers</h2>
Mr and Mrs X (both aged 45) are second-timers living with their child (aged below 21) in a public rental flat. Mr X is the sole breadwinner, earning $1,600.
<table style="width: 100%;">
 <thead>
 </thead>
 <tbody>
 <tr>
 <td style="width: 30%;"> </td>
 <td style="width: 35%;">Without Fresh Start&nbsp;</td>
 <td style="width: 35%;">Under Fresh Start</td>
 </tr>
 <tr>
 <td>Flat type</td>
 <td>2-room Flexi flat with 99-year lease</td>
 <td>2-room Flexi flat with 50-year lease</td>
 </tr>
 <tr>
 <td>Selling price</td>
 <td>$162,000</td>
 <td>$126,000</td>
 </tr>
 <tr>
 <td>Resale Levy&nbsp;</td>
 <td>$40,000</td>
 <td>$24,000</td>
 </tr>
 <tr>
 <td>
 What they pay 
 (selling price plus resale levy)
 </td>
 <td>$202,000</td>
 <td>$150,000</td>
 </tr>
 <tr>
 <td>Eligible Grant&nbsp;</td>
 <td>Step-Up Housing Grant of $15,000&nbsp;</td>
 <td>Fresh Start Housing Grant of $75,000</td>
 </tr>
 <tr>
 <td>
 Balance payable
 (with cash/ CPF OA savings and housing loan)
 </td>
 <td>$187,000 
 </td>
 <td>$90,000 excluding $15,000 deferred Fresh Start Housing Grant</td>
 </tr>
 <tr>
 <td>
 Assumed cash and CPF Ordinary Account savings
 </td>
 <td>$40,000</td>
 <td>$40,000</td>
 </tr>
 <tr>
 <td>Housing loan needed</td>
 <td>$147,000</td>
 <td>$50,000</td>
 </tr>
 <tr>
 <td>
 Monthly mortgage instalment needed 
 (over loan tenure of 20 years)
 </td>
 <td>&nbsp;Family cannot obtain loan as the servicing ratio is too high</td>
 <td>&nbsp;$268 fully covered by CPF contributions with no cash outlay</td>
 </tr>
 </tbody>
</table>
Example 2: Short-lease&nbsp;3-room flat for second-timers
<header>


Mr and Mrs Y (both aged 45) are second-timers living with their child (aged below 21) in a public rental flat. Mr Y is the sole breadwinner, earning $3,000.
<table style="width: 100%;">
 <thead>
 </thead>
 <tbody>
 <tr>
 <td style="width: 30%;"> </td>
 <td style="width: 35%;">Without Fresh Start 
 </td>
 <td style="width: 35%;">Under Fresh Start</td>
 </tr>
 <tr>
 <td>Flat type</td>
 <td>3-room flat with 99-year lease</td>
 <td>3-room flat with 50-year lease</td>
 </tr>
 <tr>
 <td>Selling price</td>
 <td>$270,000</td>
 <td>$210,000</td>
 </tr>
 <tr>
 <td>Resale Levy&nbsp;</td>
 <td>$40,000</td>
 <td>$24,000</td>
 </tr>
 <tr>
 <td>
 What they pay 
 (selling price plus resale levy)
 </td>
 <td>$310,000</td>
 <td>$234,000</td>
 </tr>
 <tr>
 <td>Eligible Grant&nbsp;</td>
 <td>Step-Up Housing Grant of $15,000&nbsp; 
 </td>
 <td>Fresh Start Housing Grant of $75,000</td>
 </tr>
 <tr>
 <td>
 Balance payable 
 (with cash/ CPF OA savings and housing loan)
 </td>
 <td>$295,000</td>
 <td>$174,000 excluding $15,000 deferred Fresh Start Housing Grant</td>
 </tr>
 <tr>
 <td>
 Assumed cash and CPF Ordinary Account savings
 </td>
 <td>$40,000</td>
 <td>$40,000</td>
 </tr>
 <tr>
 <td>Housing loan needed</td>
 <td>$255,000</td>
 <td>$134,000</td>
 </tr>
 <tr>
 <td>
 Monthly mortgage instalment needed 
 (over loan tenure of 20 years)
 </td>
 <td>&nbsp;Family cannot obtain loan as the servicing ratio is too high</td>
 <td>&nbsp;$717 comprising $630 CPF contributions and $87 in cash&nbsp;</td>
 </tr>
 </tbody>
</table>
Example 3: Short-lease&nbsp;3-room flat for first-timers




Mr and Mrs Z (both aged 45) are first-timers living with their child (aged below 21) in a public rental flat. Mr Z is the sole breadwinner, earning $2,000.
<table style="width: 100%; text-align: justify;">
 <thead>
 </thead>
 <tbody>
 <tr>
 <td style="width: 355.927px; text-align: left;"></td>
 <td style="width: 415.698px; text-align: left;">Without Fresh Start 
 </td>
 <td style="width: 415.708px; text-align: left;">Under Fresh Start</td>
 </tr>
 <tr>
 <td style="text-align: left;">Flat type</td>
 <td style="text-align: left;">3-room flat with 99-year lease</td>
 <td style="text-align: left;">3-room flat with 50-year lease</td>
 </tr>
 <tr>
 <td style="text-align: left;">Selling price</td>
 <td style="text-align: left;">$270,000</td>
 <td style="text-align: left;">$210,000</td>
 </tr>
 <tr>
 <td style="text-align: left;">Eligible Grant</td>
 <td style="text-align: left;">Enhanced CPF Housing Grant of $110,000 
 </td>
 <td style="text-align: left;">Enhanced CPF Housing Grant of $110,000</td>
 </tr>
 <tr>
 <td style="text-align: left;">
 Balance payable
 (with cash/ CPF OA savings and housing loan)
 </td>
 <td style="text-align: left;">$160,000</td>
 <td style="text-align: left;">$100,000</td>
 </tr>
 <tr>
 <td style="text-align: left;">
 Assumed cash and CPF Ordinary Account savings
 </td>
 <td style="text-align: left;">$30,000</td>
 <td style="text-align: left;">$30,000</td>
 </tr>
 <tr>
 <td style="text-align: left;">Housing loan needed</td>
 <td style="text-align: left;">$130,000</td>
 <td style="text-align: left;">$70,000&nbsp;</td>
 </tr>
 <tr>
 <td style="text-align: left;">
 Monthly mortgage instalment needed
 (over loan tenure of 20 years)
 </td>
 <td style="text-align: left;">Family cannot obtain loan as the servicing ratio is too high</td>
 <td style="text-align: left;">$375 fully covered by CPF contributions with no cash outlay</td>
 </tr>
 </tbody>
</table>
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Fresh Start Housing Scheme

Next steps

Booking of Flat

Sign Agreement for Lease

Key Collection

Conditions After Buying a New Flat