Eligibility

Eligibility conditions

You and all persons listed in the application for an EC unit have to meet the eligibility conditions.

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Family nucleus	You have to qualify for any of the eligibility schemes: Public Scheme Fiancé/Fiancée Scheme Orphans Scheme Joint Singles Scheme
Citizenship	You must be a Singapore Citizen (SC) At least 1 other applicant must be a SC or Singapore Permanent Resident (SPR) All singles must be SCs if applying under the Joint Singles Scheme
Age	At least 21 years old At least 35 years old, if applying under the Joint Singles Scheme
Monthly household income ceiling	Your monthly household income must not exceed $16,000.
Ownership/ Interest in property in Singapore or overseas other than HDB flat	All applicants and occupiers listed in the application: Must not own or have an interest in any local or overseas private property; and Must not have disposed of any private property in the last 30 months before the application to buy an EC unit from a property developer Private properties include but are not limited to houses, buildings, land, EC units and privatised HUDC flats. You have acquired an interest in a property through purchase or when it is: Acquired by gift Inherited as a beneficiary under a will or from the Intestate Succession Act Owned, acquired, or disposed of through nominees
Previous housing subsidies	A subsidised housing unit refers to: A flat bought from HDB A resale flat bought with CPF housing grant A Design Build and Sell Scheme (DBSS) flat bought from a property developer An EC unit bought from a property developer Other forms of housing subsidy (e.g. enjoyed benefits under the Selective En bloc Redevelopment Scheme (SERS), privatisation of HUDC estate, etc) If you have not taken a housing subsidy before, you are a first timer and may buy an EC unit from a property developer. If you have taken a housing subsidy, you are a second-timer and may buy an EC unit from a property developer. You have to pay a resale levy. Find out more on the resale levy payable. If you have already bought 2 subsidised housing, you will not be eligible to apply or be listed as an essential occupier in an application to buy an EC unit from a property developer.
Ownership/ Interest in HDB flat	If you or any persons listed in the application have an interest in any HDB flat, you must dispose of the interest within 6 months of completion of the EC unit purchase.
Undischarged bankrupt	Prior consent must be obtained from the Official Assignee (OA) or the private trustee for the purchase of an EC unit. However, occupiers who are bankrupts do not need prior consent.
Wait-out period before applying to buy an EC unit from a property developer	Cancellation of application after booking a flat from HDB If you have booked a flat from HDB and subsequently cancel your flat booking, you must wait out a 1-year period from the date of the cancellation before you may apply or be listed as an essential occupier to buy an EC unit from a property developer. Termination of the Sale and Purchase Agreement for an EC unit If you had previously bought an EC unit from a property developer with a CPF Housing Grant and subsequently terminated the Sale and Purchase Agreement, you must wait out a 5-year period from the date of the termination before you may apply or be listed as an essential occupier to buy an EC unit from a property developer. Owners/ Ex-owners of an EC unit bought from a property developer If you currently own or have recently disposed of your ownership in an EC unit, you must wait out a 30-month period from the date of disposal of the EC unit before you may apply or be listed as an essential occupier in an application to buy another EC unit from a property developer, subject to other eligibility conditions.

Documents required

An overview of the documents required when you submit an application for an EC unit to the property developer.

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When you book an EC unit with the developer, you must bring along the following documents of all the persons listed in your EC application:

Identity documents

• Identity cards of all listed applicants/ occupants
  • If you are employed, or serving National Service under the Singapore Armed Forces/ Civil Defence/ Police Force, you will have to log in 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

• Marriage certificate, if you are married; or divorce certificate, if you are divorced
• Death certificate of spouse, if spouse is deceased

Income documents

Prepare the required documents based on the nature of employment as listed below. The developer may also request other documents for verification, if needed.

Nature of Employment	Documents to Submit	Notes
Employed person	3 months’ payslips preceding the month of application/ booking or Letter from employer certifying salaries for 3 months preceding the month of application/ booking; 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/ booking.	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 Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) or valid licence of trade, where applicable and Undertaking affirming the average gross monthly income for 6 months preceding the month of application/ booking	Assessment is based on the average gross monthly income
Part-time worker/ Commission-based person	6 months’ commission statements/ payslips preceding the month of application/ booking or Letter from employer certifying salaries for 6 months preceding the month of application/ booking; 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.)	Latest NOA from IRAS or Letter from employer certifying salaries for 6 months preceding the month of application/ booking; 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, if currently 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

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