Seniors

Understand the eligibility conditions to purchase flats designed to meet the housing needs of seniors and the CPF housing grants you may apply for, if you are a Singapore citizen aged 55 and above. You may also complete the questionnaire for a preliminary assessment.

If the information below does not apply to you, please share your situation with us via our e-Feedback form. We will assess your request holistically based on the circumstances.

Short-lease 2-room Flexi flat and Community Care Apartment

You may buy a short-lease 2-room Flexi flat or Community Care Apartment from HDB.

Eligibility conditions

Criteria Short-lease 2-room Flexi Flats Community Care Apartments
Flat type

2-room Flexi flat (lease from 15 to 45 years in 5-year increments)

Read more about short-lease 2-room Flexi flat and view the show flats of different interior designs:

Community Care Apartment (lease from 15 to 35 years in 5-year increments)

Read more about the features of Community Care Apartments.
Citizenship

You must be a Singapore Citizen (SC). Additionally, if you are applying:

  • With your fiancé/ fiancée or spouse, he/ she must be an SC or Singapore Permanent Resident (SPR)
  • With your parent(s) or child(ren), at least 1 of them must be an SC or SPR
  • With your siblings who are orphans and unmarried/ widowed/ divorced, they must be an SC or SPR
  • With your non-resident spouse (he/ she is not an SC and not an SPR), he/ she must be included as an occupier
  • With other unrelated singles, all applicants (maximum of 4) must be SC and unmarried/ widowed/ divorced
Age All buyers and their spouses must be at least 55 years old at the time of flat application. All buyers and their spouses must be at least 65 years old at the time of flat application.
Remaining lease of flat The chosen lease must be able to last all buyers and their spouses until at least age 95, computed as at the time of flat application.
Monthly household income ceiling $14,000
Property ownership If you or any person listed in the flat application owns or has an interest in any local or overseas private property, you must dispose of the property within 6 months from the completion of the flat purchase.
Previous housing subsidies

You are not eligible to buy a short lease 2-room Flexi Flat or Community Care Apartment if you had previously enjoyed 2 or more subsidised housing, one of which was a Studio Apartment or a short lease 2-room Flexi flat or Community Care Apartment.
Ownership/ interest in HDB flat If you or any persons listed in the application owns or has an interest in any HDB flat, you must dispose of the flat within 6 months from the completion of the flat purchase.
CPF housing grants Eligible first-timers may apply for the Enhanced CPF Housing Grant (Families or Singles) for the flat purchase.
Right-sizing your flat If you are selling your current flat or private housing with an Annual Value not exceeding $13,000 and buying a 3-room or smaller flat, you may apply for the Silver Housing Bonus.

Additional amount payable for some buyers

Find out if you need to make an additional payment on top of the flat price.

Household Status Condition
First-timer You have not taken any housing subsidies
Second-timer and others You have taken at least 1 housing subsidy

A subsidised housing unit refers to:

  • A flat bought from HDB
  • A resale flat bought on the open market with CPF housing grant
  • A Design Build and Sell Scheme (DBSS) flat bought from a property developer
  • An Executive Condominium (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.
Buyer Groups^ Additional Amount Payable
First-timer families with at least 2 SCs Not applicable
First-timer families with 1 SC and 1 SPR $10,000, to be pro-rated according to the lease chosen
First-timer singles and applicants with non-resident spouse, with average gross monthly household income up to $7,000. $15,000, to be pro-rated according to the lease chosen
Second-timer families Lower of resale levy payable or $30,000, to be pro-rated according to the lease chosen.
First-timer singles and applicants with non-resident spouse, with average gross monthly household income more than $7,000 and up to $14,000. $30,000, to be pro-rated according to the lease chosen
Second-timer singles and applicants with non-citizen spouse
Families or singles who own or have disposed of a private property within 30 months from flat application date
Families or singles who have taken 2 or more housing subsidies
^ Applications which fall under more than 1 buyer group category will be advised of the additional amount payable during the flat booking appointment.

For first-timer families and singles, the additional amount payable will be incorporated into the price of the booked flat. For families or singles who have taken at least 1 housing subsidy, the additional amount is to be paid in cash.

All other flat types

If you wish to buy a 2-room Flexi flat on 99-year lease or a 3-room or bigger flat, you will need to meet the eligibility conditions for one of the following: