Fiancé and fiancée

Married couples and/ or parent(s) with child(ren)

<a name="multi-gen" id="multi-gen"></a>
<h2><a name="multigen-core" id="multigen-core"></a>Core family nucleus</h2>
<p>A household&rsquo;s eligibility for <a href="#multigen-housing-subsidies">housing subsidies</a> and HDB housing loan is assessed based on the core family nucleus, which is formed by the core member(s). Core members refer to the applicant(s) and occupier(s) in an HFE letter application who enable the household to qualify for a flat purchase under an eligibility scheme. All core members must remain in the flat application, and physically reside in the flat during the <a rel="noopener noreferrer" href="/buying-a-flat/bto-sbf-and-open-booking-of-flats/conditions-after-buying-a-new-flat?anchor=mop" target="_self">minimum occupation period (MOP)</a> after the flat purchase. Their names cannot be removed.</p>
<p>You and your fianc&eacute;/ fianc&eacute;e or spouse will form a core family nucleus. Together with your parents (at least one of your parents must be an SC or SPR), your household may apply for a 3Gen flat from HDB or buy a resale 3Gen flat.</p>
<p>If you intend to buy other flat types, please refer to:</p>
<ul>
    <li><a rel="noopener noreferrer" href="/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families#fs" target="_self">Fianc&eacute; and fianc&eacute;e</a></li>
    <li><a rel="noopener noreferrer" href="/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families#pa" target="_self">Married couples and/or parent(s) with child(ren)</a></li>
</ul>
<h2>Eligibility conditions</h2>
<table style="width:100%;">
    <thead>
        <tr>
            <th style="width: 16%;">Criteria</th>
            <th style="width: 42%;">New Flats<br />
            Resale Plus Flats<br />
            Resale Prime<sup>[1]</sup> Flats</th>
            <th style="width: 42%;">Resale Unclassified<sup>[2]</sup>/ Standard Flats</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td colspan="3">
            <p class="Footnote">
            [1] Prime flats include Prime Location Public Housing (PLH) flats sold before October 2024 sales exercise. The eligibility criteria for resale Prime flats follow the prevailing BTO eligibility criteria.<br />
            [2] Unclassified resale flats refer to flats sold before October 2024 sales exercise and not classified as Standard, Plus or Prime.
            </p>
            </td>
        </tr>
        <tr>
            <td><strong>Flat type</strong></td>
            <td>Up to a 3Gen flat</td>
            <td>All flat types</td>
        </tr>
        <tr>
            <td><strong>Citizenship</strong></td>
            <td>
            <p>You must:</p>
            <ul>
                <li>Be a Singapore Citizen (SC)</li>
                <li>Include at least 1 other SC or Singapore Permanent Resident (SPR)<sup>@</sup></li>
            </ul>
            </td>
            <td>
            <p>You must:</p>
            <ul>
                <li>Be an SC or SPR</li>
                <li>Include at least 1 occupant who is an SC or SPR</li>
            </ul>
            <p>For SPR households (i.e., an SPR household with no SC applicant):</p>
            <ul>
                <li>All <a href="#fs-core">applicants and core occupiers</a> must have SPR status for at least 3 years</li>
            </ul>
            </td>
        </tr>
        <tr>
            <td><strong>Age</strong></td>
            <td colspan="2">At least 21 years old</td>
        </tr>
        <tr>
            <td><strong>Monthly household income ceiling</strong></td>
            <td>
            <p>Total income of all persons listed in the HFE letter application.</p>
            <p>2-room Flexi flat (99-year lease):</p>
            <ul>
                <li>$7,000</li>
            </ul>
            <p>3-room flat:</p>
            <ul>
                <li>$14,000 or $7,000, depending on project. Our press release on the sales launch will specify the income ceiling for each BTO project</li>
                <li>$21,000 if  buying with extended or multi-generation family in projects with $14,000 income ceiling (refer to the <a href="/-/media/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families/Income-ceiling-for-extended-family.pdf" target="_blank">guide</a> for more details)</li>
            </ul>
            <p>4- and 5-room flat:</p>
            <ul>
                <li>$14,000</li>
                <li>$21,000 if buying with extended or multi-generation family (refer to the <a href="/-/media/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families/Income-ceiling-for-extended-family.pdf" target="_blank">guide</a> for more details)</li>
            </ul>
            </td>
            <td>
            <p>No income ceiling</p>
            <p><strong>Note:</strong></p>
            <p>Income ceiling applies to qualify for CPF housing grants (excluding Proximity Housing Grant) and <a href="/buying-a-flat/flat-grant-and-loan-eligibility/housing-loan/housing-loan-from-hdb" target="_self">HDB housing loan</a>.</p>
            </td>
        </tr>
        <tr>
            <td><strong>Ownership/ interest in property in Singapore or overseas other than HDB flat</strong></td>
            <td colspan="2">
            <h4>Interest or ownership in a property</h4>
            <p>
            </p>
            <p>You are considered to own or have an interest in a property if you and/ or your spouse<sup>[3]</sup> have acquired a property through purchase or when it is:</p>
            <ul>
                <li>Acquired by gift</li>
                <li>Inherited as a beneficiary under a will or from the Intestate Succession Act</li>
                <li>Owned, acquired, or disposed of through nominees</li>
                <li>Acquired by holding on trust for another person/ entity</li>
                <li>Held on trust with you and/ or your spouse as the beneficiary</li>
            </ul>
            <p class="Footnote">[3] Refers to both current and late spouse, if any.</p>
            <p>The conditions on ownership/ interest in private residential and non-residential property apply to <strong>all local and overseas properties that are completed or uncompleted</strong>, and include but are not limited to the following:</p>
            <table style="width: 100%;">
                <thead>
                    <tr>
                        <th>Private residential property</th>
                        <th>Non-residential property</th>
                    </tr>
                </thead>
                <tbody>
                    <tr>
                        <td>
                        <p>A house, building, land that is under a residential land zoning (including land with multiple land zoning<sup>[4]</sup>), Executive Condominium (EC) unit, privatised HUDC flat, mixed use development<sup>[5]</sup><span>, and any land without zoning.</span></p>
                        <p class="Footnote">[4] E.g. residential with commercial at 1st storey or commercial and residential zoning.</p>
                        <p class="Footnote">[5] E.g. properties with a residential component, such as HDB shop with living quarters or shophouse.</p>
                        </td>
                        <td>
                        <p>A property under a non-residential land zoning and/ or the permitted use does not include housing.</p>
                        <p>This may include commercial properties (e.g. shops or offices), industrial properties, market/ hawker stalls, or vacant/ plantation/ agricultural land.</p>
                        </td>
                    </tr>
                </tbody>
            </table>
            <h4>Private residential property</h4>
            <p>All applicants and occupiers listed in the HFE letter application:</p>
            <ul>
                <li>Must not own or have an interest in any local or overseas private residential property; and</li>
                <li>Must not have disposed of any private residential property in the following time period:</li>
                <table style="width: 100%;">
                    <thead>
                        <tr>
                            <th>Application</th>
                            <th>Disposal of private residential property</th>
                        </tr>
                    </thead>
                    <tbody>
                        <tr>
                            <td>
                            <ul>
                                <li>Buying a flat from HDB</li>
                                <li>Buying a resale Plus or Prime flat</li>
                                <li>Buying a resale unclassified/ Standard flat with CPF housing grant(s)</li>
                                <li>Applying for a housing loan from HDB</li>
                            </ul>
                            </td>
                            <td>At least 30 months before HFE letter application, from the legal completion date<sup>[6]</sup></td>
                        </tr>
                        <tr>
                            <td>Buying a non-subsidised resale unclassified/ Standard flat with or without Proximity Housing Grant</td>
                            <td>At least 15 months before HFE letter application, from the legal completion date<sup>[6]</sup></td>
                        </tr>
                    </tbody>
                </table>
                <p class="Footnote">[6] For example, if the private residential property was disposed on 1 July 2024, based on the legal completion date of disposal, you may apply for an HFE letter to buy a resale unclassified/ Standard flat without CPF housing grant(s) and an HDB housing loan on or after 1 October 2025. To apply for an HFE letter to buy a flat from HDB, or a resale Plus or Prime flat, or take an HDB housing loan, please do so on or after 1 January 2027.</p>
            </ul>
            <p>The time period requirement in the above table does not apply to Singapore citizens (and their spouses) aged 55 and above if they intend to buy:</p>
            <ul>
                <li><a href="/buying-a-flat/flat-grant-and-loan-eligibility/seniors" target="_self">Short-lease 2-room Flexi flat (for those aged 55 and above) or Community Care Apartment from HDB (for those aged 65 and above)</a>; or</li>
                <li>4-room or smaller non-subsidised resale unclassified/ Standard flat without an HDB housing loan. They may apply for the Proximity Housing Grant, if eligible.</li>
            </ul>
            <p>These seniors must dispose of their interest in the private residential property, based on the legal completion of the disposal, within 6 months of the completion of the flat purchase. For example, if the flat purchase was completed on 1 July 2024, the legal completion of the private residential property sale must be on or before 31 December 2024.</p>
            <h4>Non-residential property</h4>
            <p>All applicants and occupiers listed in the HFE letter application can, as a household:</p>
            <table style="width: 100%;">
                <thead>
                    <tr>
                        <th>Application</th>
                        <th>Retention and disposal of non- residential private property</th>
                    </tr>
                </thead>
                <tbody>
                    <tr>
                        <td>
                        <ul>
                            <li>Buying a flat from HDB</li>
                            <li>Buying a resale Plus or Prime flat</li>
                            <li>Buying a resale unclassified/ Standard flat with CPF housing grant(s)</li>
                            <li>Applying for a housing loan from HDB</li>
                        </ul>
                        </td>
                        <td>
                        <p>Own or have an interest in up to 1 non-residential property<sup>[7] </sup>at HFE letter application</p>
                        <p>Households who own or have an interest in more than 1 non-residential property must dispose of the other non-residential properties at least 30 months (counted from the legal completion date of the disposal of the interest) beforeapplying for an HFE letter.</p>
                        </td>
                    </tr>
                    <tr>
                        <td>Buying a non-subsidised resale unclassified/ Standard flat with or without Proximity Housing Grant</td>
                        <td>
                        <p>No restriction on the number of non-residential properties.</p>
                        <p>There is also no wait-out period to apply for an HFE letter after disposal of the non-residential properties.</p>
                        </td>
                    </tr>
                </tbody>
            </table>
            <p class="Footnote">[7] This is regardless of the share of ownership in the non-residential property. If the applicants and occupiers own the same non-residential property, the household is considered as owning 1 non-residential property.</p>
            <p>Singapore citizens (and their spouses) aged 55 and above who own or have an interest in more than 1 non-residential property may buy a <a href="/buying-a-flat/flat-grant-and-loan-eligibility/seniors" target="_self">short-lease 2-room Flexi flat (for those aged 55 and above) or Community Care Apartment from HDB (for those aged 65 and above)</a>.</p>
            <p>These seniors can continue to own or retain their interest in up to 1 non-residential property after the flat purchase. They must dispose of the other non-residential properties, based on the legal completion of the disposal, within 6 months of the completion of the flat purchase. For example, if the flat purchase was completed on 1 July 2024, the legal completion of the non-residential property sale must be on or before 31 December 2024.</p>
            </td>
        </tr>
        <tr>
            <td><strong><a name="fs-housing-subsidies" id="fs-housing-subsidies"></a>Previous housing subsidies</strong></td>
            <td>
            <p>A subsidised housing unit refers to:</p>
            <ul>
                <li>A flat bought from HDB</li>
                <li>A resale flat bought on the open market with CPF housing grant(s)</li>
                <li>A Design Build and Sell Scheme (DBSS) flat bought from a property developer</li>
                <li>An EC unit bought from a property developer</li>
                <li>Other forms of housing subsidy (e.g., enjoyed benefits under the Selective En bloc Redevelopment Scheme (SERS), privatisation of HUDC estate, etc.)</li>
            </ul>
            </td>
            <td>
            <p>Any previous housing subsidy taken does not affect the eligibility to buy a resale flat.</p>
            <p><strong>Note:</strong></p>
            <p>The number of housing subsidies you have taken will affect your eligibility to apply for CPF housing grants. You may apply for the Proximity Housing Grant, if eligible.</p>
            </td>
        </tr>
        <tr>
            <td><strong>Resale levy payable</strong></td>
            <td>
            <p>If you and/ or any <a href="#fs-core">core member(s)</a> have taken a housing subsidy, you are considered a second-timer. All second-timer core member(s) will need to pay their respective resale levies<sup>[8]</sup>, if applicable, when buying a flat from HDB. Find out more on the <a rel="noopener noreferrer" href="/buying-a-flat/bto-sbf-and-open-booking-of-flats/conditions-after-buying-a-new-flat?anchor=resale-levy" target="_self">resale levy payable</a>.</p>
            <p>If you and/ or any core members have taken 2 housing subsidies, you are not eligible to apply or be listed as a core occupier in a flat application to buy a flat from HDB<sup>[9]</sup> or resale Prime flat on the open market.</p>
            <p class="Footnote">
            [8] Resale levy is not applicable to buyers of resale flats.<br />
            [9] Seniors may apply for a short-lease flat. Read <a href="/buying-a-flat/flat-grant-and-loan-eligibility/seniors" target="_self">seniors </a>for more information.</p>
            </td>
            <td>Not applicable</td>
        </tr>
        <tr>
            <td><strong>Ownership/ interest in HDB flat</strong></td>
            <td colspan="2">
            <p>If you or any person listed in the application owns or has an interest in any HDB flat, you must dispose of the interest in the flat, within 6 months of completing your flat purchase. This shall be based on the legal completion date of the disposal.</p>
            </td>
        </tr>
        <tr>
            <td><strong>Undischarged bankrupt</strong></td>
            <td colspan="2">
            <p>If you are an undischarged bankrupt, prior consent must be obtained from the Official Assignee (OA) or the private trustee, to apply to buy:</p>
            <ul>
                <li>An HDB flat that is bigger than a 5-room flat or a 3Gen flat</li>
                <li>Any flat type with a net purchase price of $500,000 or above, after taking into account any HDB subsidies or levy</li>
            </ul>
            <p>You do not need to seek prior consent from the OA or the private trustee if you are listed as an occupier of a flat.</p>
            </td>
        </tr>
        <tr>
            <td><strong>CPF housing grants</strong></td>
            <td>
            <p>Eligible families may apply for the following CPF housing grants for their flat purchase:</p>
            <ul>
                <li><a href="/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families/enhanced-cpf-housing-grant" target="_self">Enhanced CPF Housing Grant (Families)</a></li>
                <li><a href="/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families/stepup-cpf-housing-grant" target="_self">Step-Up CPF Housing Grant (Families)</a></li>
            </ul>
            <p>For buyers of resale Plus and Prime flats, the corresponding CPF housing grants for resale flats apply.</p>
            </td>
            <td>
            <p>Eligible families may apply for the following CPF housing grants for their flat purchase:</p>
            <ul>
                <li><a href="/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families/cpf-housing-grants" target="_self">CPF Housing Grant (Families)</a></li>
                <li><a href="/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families/enhanced-cpf-housing-grant" target="_self">Enhanced CPF Housing Grant (Families)</a></li>
                <li><a href="/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families/stepup-cpf-housing-grant" target="_self">Step-Up CPF Housing Grant (Families)</a></li>
                <li><a href="/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families/proximity-housing-grant" target="_self">Proximity Housing Grant (Families)</a></li>
            </ul>
            </td>
        </tr>
    </tbody>
</table>
<p class="Footnote">@ First-timer households comprising only 1 SC and 1 or more SPR family members will have to pay a premium of $10,000 at flat purchase. You may apply for a Citizen Top-Up of $10,000 when your spouse obtains Singapore citizenship or when you have an SC child. Find out more information about the <a href="/managing-my-home/finances/citizen-topup" target="_self">Citizen Top-Up eligibility conditions</a>. </p>

Multi-generation families

<a name="or-scheme" id="or-scheme"></a>
<h2><a name="or-core" id="or-core"></a>Core family nucleus</h2>
<p>A household&rsquo;s eligibility for <a href="#or-housing-subsidies">housing subsidies</a> and HDB housing loan is assessed based on the core family nucleus, which is formed by the core member(s). Core members refer to the applicant(s) and occupier(s) in an HFE letter application who enable the household to qualify for a flat purchase under an eligibility scheme. All core members must remain in the flat application, and physically reside in the flat during the <a rel="noopener noreferrer" href="/buying-a-flat/bto-sbf-and-open-booking-of-flats/conditions-after-buying-a-new-flat?anchor=mop" target="_self">minimum occupation period (MOP)</a> after the flat purchase. Their names cannot be removed.</p>
<p>You and your siblings, who are orphans and single, i.e., unmarried, divorced, or widowed persons<sup>@</sup>, will form a core family nucleus and may apply for a flat from HDB or buy a resale flat on the open market with the following criteria:</p>
<ul>
    <li>All your siblings are listed in the same application, and they are not applying for/ owning/ renting a flat separately</li>
    <li>At least 1 of your deceased parents was a Singapore Citizen (SC) or Singapore Permanent Resident (SPR)</li>
</ul>
<p class="Footnote">@ Divorced or widowed persons who have child(ren) and can form a family unit will not qualify to buy a flat as orphaned siblings.</p>
<h2>Eligibility conditions</h2>
<table style="width: 100%;">
    <thead>
        <tr>
            <th style="width: 16%;">Criteria</th>
            <th style="width: 42%;">New Flats<br />
            Resale Plus Flats<br />
            Resale Prime<sup>[1]</sup> Flats</th>
            <th style="width: 42%;">Resale Unclassified<sup>[2]</sup>/ Standard Flats</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td colspan="3">
            <p class="Footnote">
            [1] Prime flats include Prime Location Public Housing (PLH) flats sold before October 2024 sales exercise. The eligibility criteria for resale Prime flats follow the prevailing BTO eligibility criteria.<br />
            [2] Unclassified resale flats refer to flats sold before October 2024 sales exercise and not classified as Standard, Plus or Prime.
            </p>
            </td>
        </tr>
        <tr>
            <td><strong>Flat type</strong></td>
            <td>Up to a 5-room flat</td>
            <td>All flat types (excluding 3Gen flats)</td>
        </tr>
        <tr>
            <td><strong>Citizenship</strong></td>
            <td>
            <p>You must:</p>
            <ul>
                <li>Be a Singapore Citizen (SC)</li>
                <li>Include at least 1 other SC or Singapore Permanent Resident (SPR)<sup>^</sup></li>
            </ul>
            </td>
            <td>
            <p>You must:</p>
            <ul>
                <li>Be an SC or SPR</li>
                <li>Include at least 1 occupant who is an SC or SPR</li>
            </ul>
            <p>For SPR households (i.e., an SPR household with no SC applicant):</p>
            <ul>
                <li>All <a href="#fs-core">applicants and core occupiers</a> must have SPR status for at least 3 years</li>
            </ul>
            </td>
        </tr>
        <tr>
            <td><strong>Age</strong></td>
            <td colspan="2">At least 21 years old</td>
        </tr>
        <tr>
            <td><strong>Monthly household income ceiling</strong></td>
            <td>
            <p>Total income of all persons listed in the HFE letter application.</p>
            <p>2-room Flexi flat (99-year lease):</p>
            <ul>
                <li>$7,000</li>
            </ul>
            <p>3-room flat:</p>
            <ul>
                <li>$14,000 or $7,000, depending on project. Our press release on the sales launch will specify the income ceiling for each BTO project</li>
                <li>$21,000 if  buying with extended or multi-generation family in projects with $14,000 income ceiling (refer to the <a href="/-/media/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families/Income-ceiling-for-extended-family.pdf" target="_blank">guide</a> for more details)</li>
            </ul>
            <p>4- and 5-room flat:</p>
            <ul>
                <li>$14,000</li>
                <li>$21,000 if buying with extended or multi-generation family (refer to the <a href="/-/media/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families/Income-ceiling-for-extended-family.pdf" target="_blank">guide</a> for more details)</li>
            </ul>
            </td>
            <td>
            <p>No income ceiling</p>
            <p><strong>Note:</strong></p>
            <p>Income ceiling applies to qualify for CPF housing grants (excluding Proximity Housing Grant) and <a href="/buying-a-flat/flat-grant-and-loan-eligibility/housing-loan/housing-loan-from-hdb" target="_self">HDB housing loan</a>.</p>
            </td>
        </tr>
        <tr>
            <td><strong>Ownership/ interest in property in Singapore or overseas other than HDB flat</strong></td>
            <td colspan="2">
            <h4>Interest or ownership in a property</h4>
            <p>
            </p>
            <p>You are considered to own or have an interest in a property if you and/ or your spouse<sup>[3]</sup> have acquired a property through purchase or when it is:</p>
            <ul>
                <li>Acquired by gift</li>
                <li>Inherited as a beneficiary under a will or from the Intestate Succession Act</li>
                <li>Owned, acquired, or disposed of through nominees</li>
                <li>Acquired by holding on trust for another person/ entity</li>
                <li>Held on trust with you and/ or your spouse as the beneficiary</li>
            </ul>
            <p class="Footnote">[3] Refers to both current and late spouse, if any.</p>
            <p>The conditions on ownership/ interest in private residential and non-residential property apply to <strong>all local and overseas properties that are completed or uncompleted</strong>, and include but are not limited to the following:</p>
            <table style="width: 100%;">
                <thead>
                    <tr>
                        <th>Private residential property</th>
                        <th>Non-residential property</th>
                    </tr>
                </thead>
                <tbody>
                    <tr>
                        <td>
                        <p>A house, building, land that is under a residential land zoning (including land with multiple land zoning<sup>[4]</sup>), Executive Condominium (EC) unit, privatised HUDC flat, mixed use development<sup>[5]</sup><span>, and any land without zoning.</span></p>
                        <p class="Footnote">[4] E.g. residential with commercial at 1st storey or commercial and residential zoning.</p>
                        <p class="Footnote">[5] E.g. properties with a residential component, such as HDB shop with living quarters or shophouse.</p>
                        </td>
                        <td>
                        <p>A property under a non-residential land zoning and/ or the permitted use does not include housing.</p>
                        <p>This may include commercial properties (e.g. shops or offices), industrial properties, market/ hawker stalls, or vacant/ plantation/ agricultural land.</p>
                        </td>
                    </tr>
                </tbody>
            </table>
            <h4>Private residential property</h4>
            <p>All applicants and occupiers listed in the HFE letter application:</p>
            <ul>
                <li>Must not own or have an interest in any local or overseas private residential property; and</li>
                <li>Must not have disposed of any private residential property in the following time period:</li>
                <table style="width: 100%;">
                    <thead>
                        <tr>
                            <th>Application</th>
                            <th>Disposal of private residential property</th>
                        </tr>
                    </thead>
                    <tbody>
                        <tr>
                            <td>
                            <ul>
                                <li>Buying a flat from HDB</li>
                                <li>Buying a resale Plus or Prime flat</li>
                                <li>Buying a resale unclassified/ Standard flat with CPF housing grant(s)</li>
                                <li>Applying for a housing loan from HDB</li>
                            </ul>
                            </td>
                            <td>At least 30 months before HFE letter application, from the legal completion date<sup>[6]</sup></td>
                        </tr>
                        <tr>
                            <td>Buying a non-subsidised resale unclassified/ Standard flat with or without Proximity Housing Grant</td>
                            <td>At least 15 months before HFE letter application, from the legal completion date<sup>[6]</sup></td>
                        </tr>
                    </tbody>
                </table>
                <p class="Footnote">[6] For example, if the private residential property was disposed on 1 July 2024, based on the legal completion date of disposal, you may apply for an HFE letter to buy a resale unclassified/ Standard flat without CPF housing grant(s) and an HDB housing loan on or after 1 October 2025. To apply for an HFE letter to buy a flat from HDB, or a resale Plus or Prime flat, or take an HDB housing loan, please do so on or after 1 January 2027.</p>
            </ul>
            <p>The time period requirement in the above table does not apply to Singapore citizens (and their spouses) aged 55 and above if they intend to buy:</p>
            <ul>
                <li><a href="/buying-a-flat/flat-grant-and-loan-eligibility/seniors" target="_self">Short-lease 2-room Flexi flat (for those aged 55 and above) or Community Care Apartment from HDB (for those aged 65 and above)</a>; or</li>
                <li>4-room or smaller non-subsidised resale unclassified/ Standard flat without an HDB housing loan. They may apply for the Proximity Housing Grant, if eligible.</li>
            </ul>
            <p>These seniors must dispose of their interest in the private residential property, based on the legal completion of the disposal, within 6 months of the completion of the flat purchase. For example, if the flat purchase was completed on 1 July 2024, the legal completion of the private residential property sale must be on or before 31 December 2024.</p>
            <h4>Non-residential property</h4>
            <p>All applicants and occupiers listed in the HFE letter application can, as a household:</p>
            <table style="width: 100%;">
                <thead>
                    <tr>
                        <th>Application</th>
                        <th>Retention and disposal of non- residential private property</th>
                    </tr>
                </thead>
                <tbody>
                    <tr>
                        <td>
                        <ul>
                            <li>Buying a flat from HDB</li>
                            <li>Buying a resale Plus or Prime flat</li>
                            <li>Buying a resale unclassified/ Standard flat with CPF housing grant(s)</li>
                            <li>Applying for a housing loan from HDB</li>
                        </ul>
                        </td>
                        <td>
                        <p>Own or have an interest in up to 1 non-residential property<sup>[7] </sup>at HFE letter application</p>
                        <p>Households who own or have an interest in more than 1 non-residential property must dispose of the other non-residential properties at least 30 months (counted from the legal completion date of the disposal of the interest) beforeapplying for an HFE letter.</p>
                        </td>
                    </tr>
                    <tr>
                        <td>Buying a non-subsidised resale unclassified/ Standard flat with or without Proximity Housing Grant</td>
                        <td>
                        <p>No restriction on the number of non-residential properties.</p>
                        <p>There is also no wait-out period to apply for an HFE letter after disposal of the non-residential properties.</p>
                        </td>
                    </tr>
                </tbody>
            </table>
            <p class="Footnote">[7] This is regardless of the share of ownership in the non-residential property. If the applicants and occupiers own the same non-residential property, the household is considered as owning 1 non-residential property.</p>
            <p>Singapore citizens (and their spouses) aged 55 and above who own or have an interest in more than 1 non-residential property may buy a <a href="/buying-a-flat/flat-grant-and-loan-eligibility/seniors" target="_self">short-lease 2-room Flexi flat (for those aged 55 and above) or Community Care Apartment from HDB (for those aged 65 and above)</a>.</p>
            <p>These seniors can continue to own or retain their interest in up to 1 non-residential property after the flat purchase. They must dispose of the other non-residential properties, based on the legal completion of the disposal, within 6 months of the completion of the flat purchase. For example, if the flat purchase was completed on 1 July 2024, the legal completion of the non-residential property sale must be on or before 31 December 2024.</p>
            <p> </p>
            </td>
        </tr>
        <tr>
            <td><strong><a name="fs-housing-subsidies" id="fs-housing-subsidies"></a>Previous housing subsidies</strong></td>
            <td>
            <p>A subsidised housing unit refers to:</p>
            <ul>
                <li>A flat bought from HDB</li>
                <li>A resale flat bought on the open market with CPF housing grant(s)</li>
                <li>A Design Build and Sell Scheme (DBSS) flat bought from a property developer</li>
                <li>An EC unit bought from a property developer</li>
                <li>Other forms of housing subsidy (e.g., enjoyed benefits under the Selective En bloc Redevelopment Scheme (SERS), privatisation of HUDC estate, etc.)</li>
            </ul>
            </td>
            <td>
            <p>Any previous housing subsidy taken does not affect the eligibility to buy a resale flat.</p>
            <p><strong>Note:</strong></p>
            <p>The number of housing subsidies you have taken will affect your eligibility to apply for CPF housing grants. You may apply for the Proximity Housing Grant, if eligible.</p>
            </td>
        </tr>
        <tr>
            <td><strong>Resale levy payable</strong></td>
            <td>
            <p>If you and/ or any <a href="#fs-core">core member(s)</a> have taken a housing subsidy, you are considered a second-timer. All second-timer core member(s) will need to pay their respective resale levies<sup>[8]</sup>, if applicable, when buying a flat from HDB. Find out more on the <a rel="noopener noreferrer" href="/buying-a-flat/bto-sbf-and-open-booking-of-flats/conditions-after-buying-a-new-flat?anchor=resale-levy" target="_self">resale levy payable</a>.</p>
            <p>If you and/ or any core members have taken 2 housing subsidies, you are not eligible to apply or be listed as a core occupier in a flat application to buy a flat from HDB<sup>[9]</sup> or resale Prime flat on the open market.</p>
            <p class="Footnote">
            [8] Resale levy is not applicable to buyers of resale flats.<br />
            [9] Seniors may apply for a short-lease flat. Read <a href="/buying-a-flat/flat-grant-and-loan-eligibility/seniors" target="_self">seniors </a>for more information.</p>
            </td>
            <td>Not applicable</td>
        </tr>
        <tr>
            <td><strong>Ownership/ interest in HDB flat</strong></td>
            <td colspan="2">
            <p>If you or any person listed in the application owns or has an interest in any HDB flat, you must dispose of the interest in the flat, within 6 months of completing your flat purchase. This shall be based on the legal completion date of the disposal.</p>
            </td>
        </tr>
        <tr>
            <td><strong>Undischarged bankrupt</strong></td>
            <td colspan="2">
            <p>If you are an undischarged bankrupt, prior consent must be obtained from the Official Assignee (OA) or the private trustee, if:</p>
            <ul>
                <li>You are applying to buy an HDB flat that is bigger than a 5-room flat or a 3Gen flat</li>
                <li>You are buying any flat type with a net purchase price of $500,000 or above, after taking into account any HDB subsidies or levy</li>
            </ul>
            <p>You do not need to seek prior consent from the OA or the private trustee if you are listed as an occupier of a flat.</p>
            </td>
        </tr>
        <tr>
            <td><strong>CPF housing grants</strong></td>
            <td>
            <p>Eligible families may apply for the following CPF housing grant for their new flat purchase:</p>
            <ul>
                <li><a href="/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families/enhanced-cpf-housing-grant" target="_self">Enhanced CPF Housing Grant (Families)</a></li>
            </ul>
            <p>For buyers of resale Plus and Prime flats, the corresponding CPF housing grants for resale flats apply.</p>
            </td>
            <td>
            <p>Eligible families may apply for the following CPF housing grants for their flat purchase:</p>
            <ul>
                <li><a href="/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families/cpf-housing-grants" target="_self">CPF Housing Grant (Families)</a></li>
                <li><a href="/buying-a-flat/flat-grant-and-loan-eligibility/couples-and-families/enhanced-cpf-housing-grant" target="_self">Enhanced CPF Housing Grant (Families)</a></li>
            </ul>
            </td>
        </tr>
    </tbody>
</table>
<p class="Footnote">^ First-timer households comprising only 1 SC and 1 or more SPR family members will have to pay a premium of $10,000 at flat purchase. You may apply for a Citizen Top-Up of $10,000 when any of the SPR family member obtains Singapore citizenship or when you have an SC child. Find out more information about the <a href="/managing-my-home/finances/citizen-topup" target="_self">Citizen Top-Up eligibility conditions</a>.</p>

Couples and Families

Next steps

Financial Planning for a Flat Purchase

Application for an HDB Flat Eligibility (HFE) Letter

Finding a New Flat

Process for Buying a New Flat

Process for Buying a Resale Flat