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.
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:
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.
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.
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.
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).
21 years old or above
You must form a family nucleus with 1 of the following groups. Your:
If you are an unmarried parent and would like to buy a resale flat, please email us at firstname.lastname@example.org. We will contact you soon after to understand more about your circumstances.
You must meet the EIP and SPR quota for the block/neighbourhood when you submit the resale application.
Buy an HDB resale flat with your fiancé or fiancée.
You and your fiancé or fiancée must be either:
Your fiancé or fiancée must be listed in the application as either:
Note: Special conditions apply for fiancé or fiancée below 21 years old.
You and your fiancé or fiancée must:
Consent of parents
Special Marriage Licence
Divorcees are required to produce the following for verification:
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.
You must be an SC
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.
You and all the co-applicants must be SCs
If your spouse is a not an SC or SPR, you can buy an HDB resale flat under the Non-Citizen Spouse Scheme.
If you are 35 years old or above
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.
Your non-citizen spouse must be listed in the application as an occupier
You must meet the EIP and SPR quota for the block/ neighbourhood when you submit the resale application.
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.
You must form a family nucleus with 1 of the following groups:
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.
If you and your sibling(s) are orphans and single (i.e. unmarried, divorced, or widowed), you can jointly buy an HDB resale flat.
EIP and SPR quota
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.
Please note this application procedure when buying an adjoining HDB flat under this scheme.
You may be eligible for certain CPF Housing Grants. This depends on the eligibility scheme you purchase your flat under.
Possible CPF housing grants
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.
Find out more about the streamlined resale process with the introduction of the new HDB Resale Portal.
We have different eligibility schemes under which you can buy an HDB resale flat.
Here are some resources to help you plan your finances before your flat purchase.
It is important to understand the resale procedures. Read about the details in the following sections.