Eligibility

The eligibility conditions to buy a resale flat are detailed below. In general, there must be at least 1 Singapore Citizen or 2 Singapore Permanent Residents listed in the flat application.

To check your eligibility to buy a resale flat, register your Intent to Buy through the HDB Resale Portal. There is no fee for registering, and you will receive an instant assessment on your eligibility to buy an HDB resale flat, for CPF housing grants and HDB housing loan.

Eligibility Schemes

The eligibility conditions in the following table apply to all resale flat purchases. Please refer to the individual schemes for information on the following criteria:

Eligibility conditions that apply to all schemes

Criteria Details
Income ceiling

There is no income ceiling for buying an HDB resale flat. However, you may wish to note that there are income ceilings for CPF Housing Grants and HDB housing loans.
Ownership/ interest in HDB flats

If you or any persons listed in the application owns an HDB flat, you must dispose of the HDB flat within 6 months of the resale flat purchase.
Ownership/ interest in property in Singapore or overseas other than HDB flats

If you or any person listed in your resale flat application owns a private property either locally or overseas, you must dispose of all private properties before or within 6 months of the resale flat purchase.

Note: If you own a private property, you are not eligible for a CPF Housing Grant or an HDB housing loan.
 

Public Scheme

Buy an HDB resale flat with your family. For example, with your wife and children, parents and siblings, or children (if you are widowed or divorced).

Eligibility criteria

Criteria Details
Citizenship

You must

  • Be an SC or SPR
  • Include at least 1 listed occupant who is an SC or SPR
  • SPR household (i.e. a SPR household with no SC owner): All SPR owners and essential occupiers must have SPR status for 3 years before they can buy a resale flat.
Age

21 years old or above
Family nucleus

You must form a family nucleus with 1 of the following groups. Your:

  • Spouse and children
  • Parents and siblings (if you are a single SPR buying with parents, at least one of your parents must be an SC or SPR)
  • Children under your legal custody, care and control (for widowed/ divorced persons)

If you are an unmarried parent and would like to buy a resale flat, please write to us via our e-Feedback Form. We will contact you soon after to understand more about your circumstances.
EIP and SPR quota

You must meet the EIP and SPR quota for the block/neighbourhood when you submit the resale application.
 

Fiancé/Fiancée Scheme

Buy an HDB resale flat with your fiancé or fiancée.

Eligibility criteria

Criteria Details
Citizenship

You and your fiancé or fiancée must be either:

  • SC or SPR
  • SPR household (i.e. a SPR household with no SC owner): All SPR owners and essential occupiers must have SPR status for 3 years before they can buy a resale flat.
Age

21 years old or above
Family nucleus

Your fiancé or fiancée must be listed in the application as either:

  • A co-applicant (if 21 years old or above)
  • An occupant

Note: Special conditions apply for fiancé or fiancée below 21 years old.
EIP and SPR quota
You must meet the EIP and SPR quota for the block/ neighbourhood when you submit the resale application.
Special conditions

You and your fiancé or fiancée must:

  • Solemnise your marriage with the Registry of Civil Marriages or Registry of Muslim Marriages within 3 months from the resale completion date
  • Submit a photocopy of your marriage certificate to us within 3 months from the resale completion date, if your marriage is registered overseas

Consent of parents

  • If your fiancé or fiancée is between 18 and 21 years old, his/ her parents must agree to the purchase.

Special Marriage Licence

  • If your fiancé or fiancée is below 18 years old, you need to apply for a Special Marriage Licence from the Ministry of Social and Family Development and submit it to us for verification.

Divorcees are required to produce the following for verification:

  • Interim Judgment (previously known as Decree Nisi)
  • Order of Court
  • Final Judgment (previously known as Decree Nisi Absolute)
 

Single Singapore Citizen Scheme

Buy an HDB resale flat as a single. You must be at least 35 years old if you are unmarried or divorced, and at least 21 years old if you are widowed or an orphan.

Eligibility criteria

Criteria Details
Citizenship

You must be an SC
Age
  • Unmarried or divorced: 35 years old or above
  • Widowed or an orphan: 21 years old or above
EIP and SPR quota

You must meet the EIP and SPR quota for the block/neighbourhood when you submit the resale application.
Special conditions

For orphans:

  • At least one of your deceased parents must have been an SC or SPR
  • If you are below 35 years old, you must not have another sibling who is below 35 years old buying/owning another flat under the:
    • Orphans Scheme
    • Single Singapore Citizen Scheme 
    • Joint Singles Scheme

If you are an unmarried parent and would like to buy a resale flat, please write to us via our e-Feedback Form. We will contact you soon after to understand more about your circumstances.
 

Joint Singles Scheme

2 to 4 singles can jointly buy an HDB resale flat. If you are unmarried or divorced, you must be at least 35 years old. If you are widowed or an orphan, you must be at least 21 years old.

Eligibility criteria

Criteria Details
Citizenship

You and all the co-applicants must be SCs
Age
  • Unmarried or divorced: 35 years old or above
  • Widowed or an orphan: 21 years old or above
EIP and SPR quota
You must meet the EIP and SPR quota for the block/neighbourhood when you submit the resale application.
Special conditions
  • The flat must be bought jointly, i.e. each single SC must be listed as a co-applicant
  • For orphans
    • At least one of your deceased parents must have been an SC or SPR
    • If you are below 35 years old, you must not have another sibling who is below 35 years old buying/owning another flat under the:
      • Orphans Scheme
      • Single Singapore Citizen Scheme
      • Joint Singles Scheme
 

Non-Citizen Spouse Scheme

If your spouse is a not an SC or SPR, you can buy an HDB resale flat under the Non-Citizen Spouse Scheme.

Eligibility criteria

Criteria Details

Citizenship
You must be an SC
Age
If you are 21 years old or above
  • Your spouse must have a valid Long Term Visit Pass or Work Pass at the time you submit your application to buy a resale flat. The pass must have a validity period of at least 6 months from the date of issue.

If you are 35 years old or above

  • Your spouse must have a valid Visit Pass or Work Pass at the time you submit your application to buy a resale flat. The pass need not have a validity period of 6 months from the date of issue.

Note: If the pass expires during the transaction to buy a resale flat, it must be renewed and valid at the time you complete the resale flat purchase.
Family nucleus

Your non-citizen spouse must be listed in the application as an occupier
EIP and SPR quota

You must meet the EIP and SPR quota for the block/ neighbourhood when you submit the resale application.
 Note: If you have a child from the marriage and the child is a Singapore Citizen or Singapore Permanent Resident, you can buy a flat under the Public Scheme.

Non-Citizen Family Scheme

If you are a single SC and your family members (e.g. parents) are not SCs or SPRs, you can buy an HDB resale flat under the Non-Citizen Family Scheme.

Eligibility criteria

Criteria Details
Citizenship

You must be an SC

Age

21 years old or above
Family nucleus

You must form a family nucleus with 1 of the following groups:

  • Your parents and siblings (if any)
  • Children under your legal custody, care and control (for widowed/ divorced persons) 

At least 1 parent/ child must have a valid Long Term Visit Pass or Work Pass at the time you submit your application to buy a resale flat. The pass must have a validity period of at least 6 months from the date of issue.

Note:If the pass expires during the transaction to buy a resale flat, it must be renewed and valid at the time you complete the resale flat purchase.
EIP and SPR quota

You must meet the EIP and SPR quota for the block/neighbourhood when you submit the resale application.
 

Orphans Scheme

If you and your sibling(s) are orphans and single (i.e. unmarried, divorced, or widowed), you can jointly buy an HDB resale flat.

Eligibility criteria

Criteria Details
Citizenship

You must:

  • Be an SC
  • Include at least 1 single (i.e.unmarried, divorced, or widowed) SC or SPR sibling as a co-applicant or occupier in your application
Age

21 years old or above

EIP and SPR quota

You must meet the EIP and SPR quota for the block/ neighbourhood when you submit the resale application.

Special conditions
  • At least one of your deceased parents must have been an SC or SPR
  • If you are below 35 years old, you must not have another sibling who is below 35 years old buying/ owning another flat under the:
    • Orphans Scheme
    • Single Singapore Citizen Scheme 
    • Joint Singles Scheme
 

Conversion Scheme

Subject to approval, the Conversion Scheme allows you and your family to buy adjoining flats that are 3-room or smaller and convert them into 1 unit.

You can buy 2 adjoining 3-room or smaller flats, or buy the 3-room or smaller flat that is adjoined to your currently owned 3-room or smaller flat.

Eligibility criteria

Criteria Details
Citizenship

You must:

  • Be an SC or SPR
  • Include at least 1 listed occupant who is an SC or SPR
Age

21 years old or above
Family nucleus

You must form a family nucleus with 1 of the following groups:

  • Your spouse and children (if any)
  • Your parents and siblings (if any)  
  • Children under your legal custody, care and control (for widowed/ divorced persons)
EIP and SPR quota
  • Option 1 (Buy 2 adjoining 3-room or smaller flats)
    • You must meet the EIP and SPR quota for the block/neighbourhood when you submit the resale application
  • Option 2 (Buy the 3-room or smaller flat that adjoins your currently owned 3-room or smaller flat)
    • No EIP/ SPR quota restriction

Please note this application procedure when buying an adjoining HDB flat under this scheme.

CPF Housing Grants

You may be eligible for certain CPF Housing Grants. This depends on the eligibility scheme you purchase your flat under.

Eligibility Scheme

Possible CPF housing grants
  • Public Scheme
  • Conversion Scheme
  • Family Grant
  • Enhanced CPF Housing Grant (EHG)
  • Half-Housing Grant
  • Singles Grant
  • EHG (Singles)
  • Proximity Housing Grant
  • Fiancé/Fiancée Scheme
  • Family Grant
  • Enhanced CPF Housing Grant (EHG)
  • Half-Housing Grant
  • Proximity Housing Grant
  • Single Singapore Citizen Scheme
  • Non-Citizen Spouse Scheme
  • Non-Citizen Family Scheme
  • Singles Grant
  • EHG (Singles)
  • Top-Up Grant (at a later stage)
  • Proximity Housing Grant
  • Joint Singles Scheme
  • Orphans Scheme
  • Singles Grant
  • Enhanced CPF Housing Grant (EHG)
  • Proximity Housing Grant (for Joint Singles Scheme only)

What if I am an undischarged bankrupt?

Prior consent must be obtained from the Official Assignee (OA) or the private trustee, if you are applying to buy an HDB flat that is bigger than a 5-room flat or a 3Gen-flat. From 1 February 2016 onwards, prior consent is also required to buy any flat type with a net purchase price of $500,000 or above, after taking into account any HDB subsidies or levy.

You do not need to seek prior consent from the OA or the private trustee to be listed as an occupier of a flat.

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