
<table style="width: 100%;">
    <thead>
        <tr>
            <th style="width: 50%;">Flat Type</th>
            <th style="width: 50%;">Option Fee</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td>4-room and bigger</td>
            <td>$2,000</td>
        </tr>
        <tr>
            <td>3-room</td>
            <td>$1,000</td>
        </tr>
        <tr>
            <td>2-room Flexi</td>
            <td>$500</td>
        </tr>
    </tbody>
</table>
<p>The option fee will form part of your downpayment.</p>

Option fee


<p>You will be informed of the required documents in your invitation package. You may also submit softcopy of the documents via  <a rel="noopener noreferrer" href="https://services2.hdb.gov.sg/webapp/BE01AWMyDoc/BE01SMyDoc" target="_blank">MyDoc@HDB</a>&nbsp;prior to your flat booking appointment. On the day of appointment, please&nbsp;bring your physical or digital Identity Card(s) (IC) for verification.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th style="width: 20%;">Type of Documents</th>
            <th style="width: 80%;">Details</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td><strong>Identity documents</strong></td>
            <td>
            <p><strong>Applicant(s) and occupier(s)</strong></p>
            <ul>
                <li>Physical or digital IC<sup>[1] </sup>of all persons listed in your flat application
                <ul>
                    <li>If you are employed, or serving National Service under the Singapore Armed Forces/ Civil Defence/ Police Force, you will need to log on to the Singpass app to facilitate verification of your digital IC</li>
                </ul>
                </li>
            </ul>
            <p><strong>Additional documents, where applicable</strong></p>
            <ul>
                <li>Physical passport<span style="background-color: #ffffff; color: #212529;"><sup>[1]</sup></span> for non-residents</li>
                <li>Birth certificate(s) of your child(ren)</li>
            </ul>
            </td>
        </tr>
        <tr>
            <td><strong>Verification of relationship</strong></td>
            <td>
            <ul>
                <li>Marriage certificate<sup>[2]</sup>, if you are married; or divorce certificate, if you are divorced</li>
                <li>Death certificate of your spouse, if your spouse is deceased</li>
                <li>Your birth certificate and your parents' marriage certificate<sup>[2]</sup> if you are buying a flat under the <a rel="noopener noreferrer" href="/buying-a-flat/bto-sbf-and-open-booking-of-flats/process-for-buying-a-new-flat/application/priority-schemes?anchor=fcs-joint-balloting" target="_self">Family Care Scheme (FCS) (Joint Balloting)</a> or <a rel="noopener noreferrer" href="/buying-a-flat/bto-sbf-and-open-booking-of-flats/process-for-buying-a-new-flat/application/priority-schemes?anchor=fcs-proximity" target="_self">FCS (Proximity)</a></li>
            </ul>
            </td>
        </tr>
        <tr>
            <td><strong>Others</strong></td>
            <td>Either a doctor's certification of pregnancy, or your child's birth certificate, if you have applied for a flat under the <a rel="noopener noreferrer" href="https://www.hdb.gov.sg/buying-a-flat/bto-sbf-and-open-booking-of-flats/process-for-buying-a-new-flat/application/priority-schemes#tcps" target="_blank">Third Child Priority Scheme&nbsp;(TCPS)</a>,&nbsp;<a rel="noopener noreferrer" href="/buying-a-flat/bto-sbf-and-open-booking-of-flats/process-for-buying-a-new-flat/application/priority-schemes?anchor=fpps" target="_self">Family and Parenthood Priority Scheme (FPPS)</a>&nbsp;or <a rel="noopener noreferrer" href="https://www.hdb.gov.sg/buying-a-flat/bto-sbf-and-open-booking-of-flats/process-for-buying-a-new-flat/application/priority-schemes?anchor=assist" target="_blank">Assistance Scheme for Second-Timers (Divorced/ Widowed Parents) (ASSIST)</a>.
            </td>
        </tr>
    </tbody>
</table>
<p class="Footnote">[1] You do not need to submit a softcopy on <a rel="noopener noreferrer" href="https://services2.hdb.gov.sg/webapp/BE01AWMyDoc/BE01SMyDoc" target="_blank">MyDoc@HDB</a>. Please bring this document to your flat booking appointment.<br />
[2] A physical copy of the marriage certificate is required for marriages registered overseas.</p>
<h4>Changes to flat application</h4>
<p>If there are any changes to your household particulars or financial circumstances, please contact us via <a rel="noopener noreferrer" href="https://services2.hdb.gov.sg/webapp/BE15AWMyRequest/BE15PMain" target="_self">MyRequest@HDB</a>. If the changes render you ineligible to continue with the flat purchase, your flat application and the HFE letter that was used for the flat application will be cancelled. The usual <a rel="noopener noreferrer" href="/buying-a-flat/bto-sbf-and-open-booking-of-flats/process-for-buying-a-new-flat/application?anchor=cancellation" target="_self">financial forfeitures and consequences upon the cancellation</a> of the flat application will apply, depending on the stage of the application.</p>

Documents required


<p>OCS is offered to buyers of new flats offered in a Build-To-Order (BTO) exercise for added convenience. You may opt in for OCS items during the flat booking appointment. The cost of the optional components will be added to the flat price.</p>
<p><span style="font-size: xx-large; font-weight: 700; color: #495057;">Optional components</span></p>
<p>You may choose to have the following items installed in your booked flat<sup>[1]</sup>. Do note that if you do not opt for the OCS items during the flat booking appointment, you will not be able to do so later. This is because the building contractor of the project would have already ordered the required quantities and may have even completed the installations of the OCS items for the other flats.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th style="width: 16%;">Flat Types</th>
            <th style="width: 40%;">Optional Components</th>
            <th style="width: 44%;">Specifications</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td rowspan="2">3-room and bigger</td>
            <td>Sanitary fittings and internal doors</td>
            <td>
            <ul>
                <li>Wash basin with tap mixer</li>
                <li>Shower set with bath/ shower mixer</li>
                <li>Doors for bedrooms<sup>[2]</sup> and bathrooms</li>
            </ul>
            </td>
        </tr>
        <tr>
            <td>Floor finishes<sup>[2]</sup></td>
            <td>
            <ul>
                <li>Living/ dining room</li>
                <li>Bedrooms</li>
            </ul>
            </td>
        </tr>
        <tr>
            <td rowspan="2">2-room Flexi</td>
            <td>Sanitary fittings</td>
            <td>
            <ul>
                <li>Wash basin with tap mixer</li>
                <li>Shower set with bath/ shower mixer</li>
            </ul>
            </td>
        </tr>
        <tr>
            <td>Floor finishes</td>
            <td>
            <ul>
                <li>Living/ dining room</li>
                <li>Bedrooms</li>
            </ul>
            </td>
        </tr>
    </tbody>
</table>
<p class="Footnote">[1] Specifications are subject to change.<br />
[2] Not applicable to 'White flats'.</p>
<p>OCS is not offered for BTO projects with shorter waiting times, as these flats will come with floor finishes, internal doors, and sanitary fittings. Nonetheless, seniors buying short-lease 2-room Flexi flats may opt for senior-friendly fittings in these BTO projects.</p>
<p><span style="font-size: x-large; font-weight: 700; color: #495057;">Short-lease 2-room Flexi flat</span></p>
<p>These flats are designed for seniors and will be fitted with grab bars. In addition to sanitary fittings and floor finishes, you can also opt in for senior-friendly fittings, which is offered as one package.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th style="width: 25%;">Optional Components</th>
            <th style="width: 75%;">Specifications</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td>Sanitary fittings</td>
            <td>
            <ul>
                <li>Wash basin with tap mixer</li>
                <li>Shower set with bath/ shower mixer</li>
            </ul>
            </td>
        </tr>
        <tr>
            <td>Floor finishes</td>
            <td>
            <ul>
                <li>Living/ dining room</li>
                <li>Bedrooms</li>
            </ul>
            </td>
        </tr>
        <tr>
            <td>Senior-friendly fittings<sup>[3]</sup></td>
            <td>
            <ul>
                <li>Built-in kitchen cabinets<sup>[4]</sup> with induction hob and cooker hood, kitchen sink, tap and dish drying rack</li>
                <li>Built-in wardrobe</li>
                <li>Lighting (whole unit)</li>
                <li>Window grilles (whole unit)</li>
                <li>Water heater</li>
                <li>Mirror and toilet roll holder in bathroom</li>
            </ul>
            </td>
        </tr>
    </tbody>
</table>
<p class="Footnote">[3] <span style="color: #212529;">Buyers who opt for the package must also choose floor finishes as the flooring has to be laid before the installation of built-in kitchen cabinets and wardrobes.&nbsp;</span><br />
[4]&nbsp;<span style="color: #212529;">Buyers who are wheelchair-bound may choose to have a lower kitchen counter-top.</span></p>
<p>For BTO projects with shorter waiting time, only senior-friendly fittings are available as optional components.</p>

Optional Component Scheme (OCS)


<p>Couples who fulfil the eligibility conditions within 12 months before the HFE letter application may have their income assessed nearer to their key collection appointment for the EHG and HDB housing loan.</p>
<p>Those who fulfil the eligibility conditions will be informed during their flat booking. They do not have to opt for it when they apply for the HFE letter.</p>
<h2>Eligibility conditions</h2>
<table style="width: 100%;">
    <thead>
        <tr>
            <th style="width: 20%;">Criteria</th>
            <th style="width: 80%;">Conditions</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td><strong>Student/ NSF status</strong></td>
            <td>
            <p>1 party* of a couple must:</p>
            <ul>
                <li>Be a full-time student or National Serviceman (NSF); and/ or</li>
                <li>Has completed full-time studies or National Service (NS) within 12 months before the HFE letter application.</li>
            </ul>
            <p class="Footnote"><span>*For flat applications submitted before the July 2025 sales exercises, both parties of a couple must be full-time students or NSF and/ or have completed full-time studies or NS within 12 months before the HFE letter application.
            </span></p>
            <p>You must provide the following documents for verification when booking a flat:</p>
            <table style="width: 100%;">
                <thead>
                    <tr>
                        <th style="width: 50%;">Status</th>
                        <th style="width: 50%;">Documents Required</th>
                    </tr>
                </thead>
                <tbody>
                    <tr>
                        <td>Full-time student</td>
                        <td>Document from an education institution to confirm enrolment in a full-time programme</td>
                    </tr>
                    <tr>
                        <td>Completed studies within 12 months before the HFE letter application</td>
                        <td>Graduation certificate</td>
                    </tr>
                    <tr>
                        <td>Full-time National Serviceman</td>
                        <td>National Service ID card or letter from the relevant ministry</td>
                    </tr>
                    <tr>
                        <td>ORD within 12 months before the HFE letter application</td>
                        <td>ORD Certificate of Service</td>
                    </tr>
                </tbody>
            </table>
            </td>
        </tr>
        <tr>
            <td><strong>Age limit</strong></td>
            <td>At the point of the HFE letter application, at least 1 party must be aged 30 or below.</td>
        </tr>
        <tr>
            <td><strong>Marital status</strong></td>
            <td>The couple must be married or are applying for a flat under the Fianc&eacute;/ Fianc&eacute;e Scheme.</td>
        </tr>
        <tr>
            <td><strong>Household status</strong></td>
            <td>1 party must be a first-timer.</td>
        </tr>
        <tr>
            <td><strong>Income assessment</strong></td>
            <td>
            <p>The income assessment for EHG and HDB housing loan is carried out as follows:</p>
            <table style="width: 100%;">
                <thead>
                    <tr>
                        <th style="width: 50%;">Purchase of:</th>
                        <th style="width: 50%;">Income Assessment</th>
                    </tr>
                </thead>
                <tbody>
                    <tr>
                        <td>Completed flat</td>
                        <td>During flat booking</td>
                    </tr>
                    <tr>
                        <td>Uncompleted flat</td>
                        <td>Approximately 3 months before flat completion</td>
                    </tr>
                </tbody>
            </table>
            </td>
        </tr>
    </tbody>
</table>
<h2>Downpayment</h2>
<p>You must pay the downpayment when you sign the <a href="/buying-a-flat/bto-sbf-and-open-booking-of-flats/process-for-buying-a-new-flat/sign-agreement-for-lease" target="_self">Agreement for Lease</a>:</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th style="width: 20%;">Purchase of:</th>
            <th style="width: 80%;">Payment</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td>Completed flat</td>
            <td>At key collection</td>
        </tr>
        <tr>
            <td>Uncompleted flat</td>
            <td>
            <p>You can pay the downpayment in 2 instalments under the <a rel="noopener noreferrer" href="/buying-a-flat/bto-sbf-and-open-booking-of-flats/process-for-buying-a-new-flat/sign-agreement-for-lease?anchor=sds" target="_self">Staggered Downpayment Scheme</a>:</p>
            <ul>
                <li>First instalment at signing of Agreement for Lease</li>
                <li>Balance at key collection</li>
            </ul>
            </td>
        </tr>
    </tbody>
</table>

Deferred Income Assessment

<p>You can log in to the LO Request eService and convert your IPA into an LO, if you have not obtained any LO from a FI. You must obtain an LO after you book a flat, before you sign the <a href="/buying-a-flat/bto-sbf-and-open-booking-of-flats/process-for-buying-a-new-flat/sign-agreement-for-lease">Agreement for Lease</a>.</p>
<p>The FI(s) will inform you of the outcome of your LO application(s) directly. While you may apply for a LO from more than one FI, please accept a LO only from one FI.</p>

Booking of Flat

Next steps

Sign Agreement for Lease

Key Collection

Conditions After Buying a New Flat