Booking of Flat

You will be invited to book a flat based on your balloted queue position.

We will notify you of your flat booking appointment about 2 weeks before the appointment date. You may then view the invitation package on My HDBPage using your Singpass. The package will contain the flat list and the documents to bring along for the appointment.

You have to attend the flat booking appointment personally. If you are unable to attend the appointment, you will have to complete the authorisation form given in your invitation package and have your representative submit it to us during your booking appointment.

Option fee

You will have to pay an option fee when you book a flat. The amount payable is based on the flat type booked.

Flat Type Option Fee
4-room and bigger $2,000
3-room $1,000
2-room Flexi $500

The option fee will form part of your downpayment.

Documents required

An overview of the documents required at flat booking.

Submit the following documents of all persons listed in your flat application via MyDoc@HDB prior to your appointment. If you have issues doing so, you may bring the documents when you attend the appointment to book a flat.

Identity documents

  • Identity Cards (ICs)^ of all listed applicants/ occupants
    • 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
  • Passport for non-citizens
  • Birth certificate(s)^ of your child(ren)

Verification of relationship

Income documents

Prepare the required documents based on the nature of employment as listed below. If you are applying for the following housing grants, more income documents will be required. Please refer to:

Nature of Employment Documents to Submit Notes
Employed person
  • 3 months’ payslips preceding the month of application

or

  • Letter from employer certifying salaries for 3 months preceding the month of the flat application. The letter must contain:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation
Note: If your income includes allowances, we will require 6 months’ payslips preceding the month of application.
  • Assessment is based on the average gross monthly income, which:
    • Excludes bonuses and income earned from ad hoc overtime work
    • Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • If you are employed full-time but on no-pay leave for less than 6 months, we will consider you as employed and use your last drawn pay for assessment. If you are on no-pay leave for 6 months or more, your income will not be considered in the assessment
  • Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) will not be accepted

Self-employed person

(including private hire drivers, stallholders, etc.)

  • Latest NOA from IRAS or Statement of Annual Accounts certified by an audit firm

and

and

  • Undertaking affirming the average gross monthly income for 6 months preceding the month of application
  • Assessment is based on the average gross monthly income
  • The undertaking for applicants/ occupiers to affirm their average gross monthly income can be found in the invitation package for flat booking. Applicants/ occupiers will have to complete the undertaking and submit it at the flat booking appointment
  • If the applicant/ occupier is not in Singapore, he/ she may complete the undertaking and arrange for a proxy to submit it at the flat booking appointment
Part-time worker/ Commission-based person
  • 6 months’ commission statements/ payslips preceding the month of application

or

  • Letter from employer certifying salaries for 6 months preceding the month of the flat application. The letter must contain:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income

Odd job worker

(including freelancers, etc.)

or

  • Letter from employer certifying salaries for 6 months preceding the month of the flat application. The letter must contain:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income

Unemployed person

(from 18 to 62 years old)

  • Undertaking affirming the unemployment status

or

  • Valid Student Pass or letter from school/ college/ institute of learning to confirm student status, for a full-time student
  • If unemployed for less than 3 months, the following documents are required:
    • Income proof for the preceding month(s) from the previous employer stating gross monthly income and last day of service
    • Latest 15 months’ CPF contribution history
  • The undertaking for applicants/ occupiers to affirm their average gross monthly income can be found in the invitation package for flat selection. Applicants/ occupiers will have to complete the undertaking and submit it at the flat booking appointment
  • If the applicant/ occupier is not in Singapore, he/ she may complete the undertaking and arrange for a proxy to submit it at the flat booking appointment

Income/ allowance that will be considered for income assessment

  • Allowances (fixed/ variable) received on a regular basis, e.g. allowances for food, transport, laundry, uniform, etc.
  • Sustenance allowance
  • Stipend received on a regular basis for work conducted for the educational institute, during the full-time studies

Income/ allowance that will not be considered for income assessment

  • Alimony allowance
  • Bonuses
  • Director's fee
  • Income from ad hoc overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Pension

Others

^ Either physical or digital copy of the Identity Card, birth certificate or death certificate

Optional Component Scheme (OCS)

The OCS is a flexible, opt-in scheme that caters to the needs of different flat buyers. It gives you the added convenience of having your home closer to move-in condition when you collect your keys.

OCS is offered to buyers of new flats offered in a Build-To-Order exercise for added convenience. You may opt in for OCS at the flat booking appointment. The cost of the optional components will be added to the flat price.

For projects built using the Prefabricated Prefinished Volumetric Construction method, the flats will come with full floor finishes, internal doors, and sanitary fittings. Hence, the OCS is not applicable to these projects.

Optional components

You may choose to have the following items installed in your booked flat*:

Flat Types Optional Components Specifications
3-room and bigger Sanitary fittings and internal doors
  • Wash basin with tap mixer
  • Shower set with bath/ shower mixer
  • Doors for bedrooms and bathrooms
Floor finishes
  • Living/ dining room
  • Bedrooms
2-room Flexi+ Sanitary fittings
  • Wash basin with tap mixer
  • Shower set with bath/ shower mixer
Floor finishes
  • Living/ dining room
  • Bedrooms
* Actual specifications are subject to change
+ Not applicable for short lease 2-room Flexi flat

Short-lease 2-room Flexi flat

These flats are designed for seniors and will be fitted with grab bars. Apart from the sanitary fittings and floor finishes, you can also opt in for senior-friendly fittings, which is offered as one package.

Optional Components Specifications
Sanitary fittings
  • Wash basin with tap mixer
  • Shower set with bath/ shower mixer
Floor finishes
  • Living/ dining room
  • Bedrooms
Senior-friendly fittings^
  • Built-in kitchen cabinets# with induction hob and cooker hood, kitchen sink, tap and dish drying rack
  • Built-in wardrobe
  • Lighting (whole unit)
  • Window grilles (whole unit)
  • Water heater
  • Mirror and toilet roll holder in bathroom
# Buyers who are wheelchair-bound may choose to have a lower kitchen counter-top.
^ 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.

Deferred Income Assessment

Young couples may apply for a flat first and defer the income assessment for the Enhanced CPF Housing Grant (EHG) and HDB housing loan.

Couples who fulfil the eligibility conditions may have their income assessed nearer to their key collection appointment for the EHG and HDB housing loan.

Eligible applicants may apply during the flat booking appointment.

Eligibility conditions

Criteria Conditions
Student/ NSF status

Both parties of a couple must:

  • Be full-time students or National Servicemen (NSF); and/ or
  • Have completed full-time studies or National Service (NS) within the last 12 months prior to the flat application.

You have to provide the following documents to verify your status when booking a flat:

Status Documents Required
Full-time student Document from Education Institution confirming enrolment in a full-time programme
Completed studies within past 12 months from date of application Graduation certificate
Full-time National Serviceman National Service ID card or letter from the relevant ministry
ORD within past 12 months from date of application ORD Certificate of Service
Age limit At the point of the flat application, at least one party must be aged 30 years old or below.
Marital status The couple must be married or are applying for a flat under the Fiancé/ Fiancée Scheme.
Household status One party must be a first-timer.
Income assessment

The income assessment for EHG and HDB housing loan will be carried out at the following points:

For the Purchase of: Income Assessment
Completed flat During the flat booking
Uncompleted flat Approximately 3 months before flat completion

Please refer to our income guidelines for the EHG and HDB housing loan.

Downpayment
For the Purchase of: Income Assessment
Completed flat At key collection
Uncompleted flat

You can make use of the Staggered Downpayment Scheme and pay the required downpayment in two instalments:

  • First instalment of downpayment at signing of Agreement for Lease
  • Balance at key collection

Application for Enhanced CPF Housing Grant (EHG)

To apply for the EHG, you have to submit the relevant income documents of all the persons (co-applicants and occupiers) listed in the flat application.

The income documents required for the EHG application will depend on the nature of your employment. We may also for request further documentation if needed.

For young couples buying a flat, you may wish to find out if you are eligible for the deferred income assessment.

Nature of Employment Documents to Submit
Employed person
  • 12 months’ payslips preceding the flat application

or

  • Letter from employer certifying salaries for 12 months preceding the flat application. The letter must contain:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

and

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements showing contributions for the 12 months preceding the flat application

Note:

  • If you are employed full-time but on no-pay leave (e.g. full-time studies) for less than 6 months out of the 12 months in review, we will consider you as employed and take your last drawn full-time pay to assess your eligibility for the housing grant
  • If you are employed full-time but on no-pay leave for 6 months or more out of the 12 months in review, your income will not be considered in the assessment

Self-employed person

(including private hire drivers, stallholders, etc.)

or

  • Statement of Annual Accounts certified by an audit firm

and

Part-time worker/ Commission-based person
  • 12 months’ payslips/ commission statements preceding the flat application

or

  • Letter from employer certifying salaries for the 12 months preceding the flat application. The letter must contain 
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

and (for commission-based person)

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements showing contributions for the 12 months preceding the flat application

Odd job worker

(including freelancers, etc.)

and

  • Previous year’s NOA from IRAS
Full-time student receiving stipends
  • Letter from the education institute stating the period and nature of study (full or part-time)
  • Copy of signed contract between the applicant and the education institute stating the conditions of the stipend

Note:

  • You will be considered as employed if you receive regular payment for work conducted for the educational institute as required, during your full-time studies, e.g. you conduct teaching and/ or research for the educational institute, as required in the contract for the payments
  • You will not be considered as employed for any other work done during full-time studies
Income/ allowance that will be considered for the income ceiling
  • Allowances (fixed/ variable) received on a regular basis, e.g. allowances for food, transport, laundry, uniform, etc.
  • Sustenance allowance
  • Stipend received on a regular basis for work conducted for the educational institute, during the full-time studies
Income/ allowance that is not considered for the income ceiling
  • Alimony allowance
  • Bonuses
  • Director’s fee
  • Income from ad hoc overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Pension

Usage and distribution of EHG

The EHG can be used to:

  • Offset the purchase price of the flat
  • Reduce the housing loan required for the flat purchase

The EHG will be fully credited into the CPF Ordinary Accounts of eligible Singapore Citizen (SC) applicants. It will not be paid in cash.

If you are buying the flat with a housing loan from a financial institution, the grant will be included in the computation of withdrawal of CPF savings (up to the applicable limits). The grant cannot be used for the minimum cash downpayment (if any) and monthly housing loan instalment payments.

Type of Applicant(s) Distribution of Grant
Sole SC applicant Full grant
Joint SC applicants (couples, e.g. husband and wife) Half of the full grant each

Multi-nuclei SC applicants, e.g.:

  • Married siblings with their respective spouses
  • Parents and married child
Grant is given only to a maximum of 2 applicants who must be husband and wife

Application for Step-Up CPF Housing Grant

To apply for the Step-Up CPF Housing Grant, you have to submit the relevant income documents of all the persons (co-applicants and occupiers) listed in the flat application.

The income documents required for the application for Step-Up CPF Housing Grant will depend on the nature of your employment. We may also request further documentation if needed.

Nature of Employment Documents to Submit
Employed person
  • 12 months’ payslips preceding the flat application

or

  • Letter from employer certifying salaries for 12 months preceding the flat application. The letter must contain:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

and

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements showing contributions for the 12 months preceding the flat application

Note:

  • If you are employed full-time but on no-pay leave (e.g. full-time studies) for less than 6 months out of the 12 months in review, we will consider you as employed and take your last drawn full-time pay to assess your eligibility for the housing grant
  • If you are employed full-time but on no-pay leave for 6 months or more out of the 12 months in review, your income will not be considered in the assessment

Self-employed person

(including private hire drivers, stallholders, etc.)

or

  • Statement of Annual Accounts certified by an audit firm

and

Part-time worker/ Commission-based person
  • 12 months’ payslips/ commission statements preceding the flat application

or

  • Letter from employer certifying salaries for the 12 months preceding the flat application. The letter must contain:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

and (for commission-based person)

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements showing contributions for the 12 months preceding the flat application

Odd job worker

(including freelancers, etc.)

and

  • Previous year’s NOA from IRAS
Full-time student receiving stipends
  • Letter from the education institute stating the period and nature of study (full or part-time)
  • Copy of signed contract between the applicant and the education institute stating the conditions of the stipend

Note:

  • You will be considered as employed if you receive regular payment for work conducted for the educational institute as required, during your full-time studies, e.g. you conduct teaching and/ or research for the educational institute, as required in the contract for the payments
  • You will not be considered as employed for other work done during full-time studies
Income/ allowance that will be considered for the income ceiling
  • Allowances (fixed/ variable) received on a regular basis, e.g. allowances for food, transport, laundry, uniform, etc.
  • Sustenance allowance
  • Stipend received on a regular basis for work conducted for the educational institute, during the full-time studies
Income/ allowance that is not considered for the income ceiling
  • Alimony allowance
  • Bonuses
  • Director’s fee
  • Income from ad hoc overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Pension

Usage and distribution of Step-Up CPF Housing Grant

The Step-Up CPF Housing Grant can be used to:

  • Offset the purchase price of the flat
  • Reduce the housing loan required for the flat purchase

If you are buying the flat with a housing loan from a financial institution, the grant will be included in the computation of withdrawal of CPF savings (up to the applicable limits). The grant cannot be used for the minimum cash downpayment and monthly housing loan instalment payments.

The Step-Up CPF Housing Grant will be fully credited into the CPF Ordinary Accounts of eligible Singapore Citizen (SC) applicants. It will not be paid in cash. 

Type of Applicant(s) Distribution of Grant
Sole SC applicant Full grant
Joint SC applicants (couples, e.g. husband and wife) Half of the full grant each
Multi-nuclei SC applicants, e.g.:
  • Married siblings with their respective spouses
  • Parents and married child
Grant is given only to a maximum of 2 applicants who must be husband and wife