Fresh Start Housing Scheme

The Fresh Start Housing Scheme (Fresh Start) aims to help second-timer (ST)1 families with young children, who are currently living in public rental flats. It assists them in owning a 2-room Flexi flat by integrating financial assistance with personal responsibility and social support.


1 Second-timer (ST) refer to households who have previously enjoyed one housing subsidy.

Key Features

Households under the Fresh Start will be assisted through the following measures:

Short-lease Flat
  • You can buy a short-lease 2-room Flexi flat in BTO or SBF sales exercises, which are more affordable than flats with the standard 99-year lease

  • The lease options range from 45 years to 65 years, but it must cover all owners and spouse-occupiers minimally till they are 95 years old

  • There will be a 20-year Minimum Occupation Period

HDB Concessionary Loan
  • You can take up an HDB Concessionary Loan subject to credit assessment

Cap on Resale Levy
  • The levy is capped at $30,000

  • Will be adjusted downwards based on the length of the lease chosen

  • Fresh Start Housing Grant of $35,000

  • A $20,000 lump sum will be disbursed into eligible applicants’ CPF Ordinary Accounts just before key collection

  • The remaining grant of up to $15,000 may be disbursed into eligible applicants’ CPF Ordinary Accounts equally over 5 years, after key collection

Priority Allocation

Eligibility Conditions 

To qualify for the Fresh Start, the family must fulfil these requirements:

  1. Form a Second-Timer family nucleus. The applicant and his/ her spouse (if applicable) must be aged at least 35 and below 55 years old. Applicant(s) can be married, divorced, or widowed

  2. Have at least 1 Singapore Citizen parent, with at least 1 Singapore Citizen child aged 18 or younger

  3. Have at least 1 applicant (either the applicant or his/ her spouse (if applicable)) in stable employment in the preceding 12 months

  4. Have occupied a public rental flat for at least 1 year, without accumulating 3 or more months of rental arrears in the preceding 12 months

  5. Have not received any public rental tenancy discount under Relocation, Sale of Flat to Sitting Tenants, or Rent & Purchase Schemes

  6. Qualify for the Letter of Social Assessment (LSA) from the Ministry of Social and Family Development (MSF). To qualify for the LSA, the family will be assessed based on (i) family stability, (ii) employment stability, (iii) ability to manage their finances well, and (iv) regularity of school attendance for all children below 16 years old. The LSA will be valid for 1 year

  7. Undergo annual review by MSF to renew their LSA until 5 years after key collection. The family may need to attend face-to-face interviews with MSF officers and this may include following up with Action Plans where necessary, on the four areas as stated in (f)

At the point of application for a 2-room Flexi flat, your household must also meet the following conditions:

  1. The average gross monthly household income cannot exceed $7,000

  2. Do not own other properties overseas or locally, and have not disposed of any within the last 30 months


Other Things to Note

  1. If you and all applicants do not submit a flat application within the 1-year validity period of the first LSA, your Fresh Start and HDB loan applications will be cancelled.

  2. To collect the keys to flats booked under the Fresh Start, you and all applicants must renew your LSA annually and have a valid LSA when the flats are ready. If the LSA is not renewed before its expiry, your flat and HDB loan applications will be cancelled, and 5% of the purchase price of the booked flat will be forfeited.

  3. The lump sum Fresh Start Grant disbursement of $20,000 and HDB mortgage loan can only be used to pay for a maximum of 90% of the purchase price of the flat. If you and all applicants book an uncompleted flat, you will have to make the 10% downpayment using your CPF and/ or cash savings. If you and all applicants book a completed flat, you will have to make the balance 10% payment using your own CPF and/ or cash savings.

  4. Each disbursement of the Fresh Start Grant is subject to you and all applicants' successful annual renewal of your LSA with MSF.

  5. If you and all applicants purchase a flat under the Fresh Start, you would have enjoyed two housing subsidies and will no longer be eligible to buy another subsidised flat from HDB.


Illustration of Flat Purchase under Fresh Start

Mr and Mrs Tan (aged 40), are living with their child (aged 12) in a 2-room public rental flat. Mr Tan is the sole breadwinner, earning $1,400. They are currently paying monthly rental of $240 in cash.

The following table illustrates how they stand to benefit from the Fresh Start Housing Scheme:


For Illustration Only(a)



Under Fresh Start

Flat Lease

Flat with 99-year lease

2R Flexi flat with 60-year lease

Selling Price



What They Pay

(Selling Price plus Resale Levy(c))



Upfront Grant

Not eligible


Housing Budget Needed

(Cash/CPF savings & housing loan)



Assumed Cash/CPF Savings (e.g. from sale of previous flat)



Housing Loan Needed



Monthly Mortgage Instalment (MI) Needed (over loan tenure of 25 years)



Family will not qualify for this loan quantum.


At 39% Mortgage Servicing Ratio (MSR), this exceeds the maximum 30% MSR  allowed



(21% MSR)


The family will be able to qualify for this loan quantum

  • By CPF Contribution


  • By Cash


Help via Deferred Grant



Loan tenure will be reduced by 6 years and 9 month


(a) Flat prices and amounts payable are adjusted from 99-year lease. Prices exclude cost of Optional Component Scheme. The payment amounts are rounded to nearest $100 for illustration purposes only. Monthly mortgage instalments are rounded to the nearest $10.  

(b) Based on the average price of 2R flats in non-mature estates in 2016, inclusive of Type 1 (36 sqm) and Type 2 (45 sqm) flats. The actual selling prices of 2-room Flexi flats may differ, depending on location, design features, individual flat attributes, and prevailing market conditions at the time of offer.

(c) An assumed amount for illustration purpose only. The actual amount payable varies according to the prevailing resale levy policy at the sale of the first subsidised flat.


 How to apply

If you are interested in Fresh Start, you can submit your application online.