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Rehousing Benefits

You will receive rehousing benefits under the Selective En bloc Redevelopment Scheme (SERS). These benefits will vary, depending on your household status:

  • First- and second-timers
  • Non-Citizen Spouse Scheme households
  • Singapore Permanent Resident (SPR) households
  • Remaining singles and Joint Singles Scheme households
  • Single Singapore Citizen (SC) Scheme households
  • Third-timers and households who have had SERS benefits before
  • Private property owners

Please refer to the information below to help you identify which household status you belong to.

Note:

SERS rehousing benefits will be offered to flat owners who are eligible to retain their SERS flat and fulfil all other prevailing conditions. Flat owners may not be eligible for the SERS rehousing benefits, if they have infringed the Housing & Development Act before or after the SERS announcement.

SERS grant

The SERS grant:

  • Is paid equally to eligible SC SERS flat owners (no matter what the manner of holding is) who buy a replacement flat from HDB
  • Is credited to the CPF ordinary accounts (OA) of the SC flat owners in the form of CPF money
  • Can only be used to pay for the replacement flat
  • Must be returned (with interest) to the flat owners’ CPF ordinary accounts if the replacement flat is subsequently sold or transferred
  • Will be recovered (with interest) by HDB if the application for the replacement flat is cancelled

 

First- and second-timers

First-timers are families who have not bought a flat directly from HDB, an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat from a developer, nor had a CPF Housing Grant or any form of housing subsidy before. Second-timers are families who have bought 1 flat directly from HDB, an EC or DBSS flat from a developer, or had a CPF Housing Grant or some form of housing subsidy before.

Your rehousing benefits

Details

SERS grant

  • $30,000 grant to buy a new flat at a subsidised price

Type of flat

  • Up to a new 5-room or 3Gen flat if you meet the additional eligibility conditions

Waiver of fees

  • Administrative and booking fees for the replacement flat
  • $10,000 premium on top of the purchase price when buying a flat directly from HDB (for first-timer SC/SPR household)
  • Resale levy or premium if you bought the SERS flat directly from HDB or from the open market with a CPF Housing Grant

Deferred payment to HDB

  • Delay paying for the new flat until you collect the keys

Resale levy or premium concessions

  • Capped at $30,000, and different payment options are available, including deducting the amount from the SERS compensation

Note:

  • You will pay the resale levy or sales premium if you had previously sold a flat bought directly from HDB, or a unit, which can be a resale flat, DBSS flat or EC, bought with a CPF Housing Grant, and had chosen to pay a deferred resale levy or sales premium
  • If you sold your first subsidised flat between July 1985 and May 1997 and chose to pay the resale premium, you may now change the option to resale levy (up to $30,000), if it is more favourable

Replacement flat housing loan eligibility

If your SERS flat is or was financed by an HDB concessionary loan:

  • You are eligible for a loan from HDB
  • The maximum loan we grant for the replacement flat will depend on a credit assessment

If your SERS flat is or was financed by an HDB market rate loan or bank loan:

  • You are not eligible for a loan from HDB
  • You may get a bank loan, if you need one
 

Non-Citizen Spouse Scheme households

These are households with a Singapore citizen (SC) and a spouse who is neither a SC nor a Singapore Permanent Resident.

Your rehousing benefits

Details

SERS grant

  • $15,000 grant to buy a new flat at a subsidised price

Note:

  • If the SC is below 35 years old as at the SERS announcement, the non-citizen spouse must have a Long Term Visit Pass or Work Pass, which is valid for at least 6 months so the household can get the $15,000 SERS grant

Type of flat

  • Up to a new 5-room or 3Gen flat if you meet the additional eligibility conditions

Waiver of fees

  • Administrative and booking fees for the replacement flat
  • Resale levy or premium if you bought the SERS flat directly from HDB or from the open market with a CPF Housing Grant

Deferred payment to HDB

  • Delay paying for the new flat until you collect the keys

Resale levy or premium concessions

  • Capped at $30,000, and different payment options are available, including the amount from the SERS compensation

Note:

  • You will pay the resale levy or sales premium if you had previously sold a flat bought directly from HDB or a unit, which can be a resale flat, DBSS flat or EC, bought with a CPF Housing Grant, and had chosen to pay a deferred resale levy or sales premium
  • If you sold your first subsidised flat between July 1985 and May 1997 and chose to pay the resale premium, you may now change the option to a resale levy (up to $30,000), if it is more favourable

Replacement flat housing loan eligibility

If your SERS flat is or was financed by an HDB concessionary loan:

  • You are eligible for a loan from HDB
  • The maximum loan we grant for the replacement flat will depend on a credit assessment

If your SERS flat is or was financed by an HDB market rate loan or bank loan:

  • You are not eligible for a loan from HDB
  • You may get a bank loan, if you need one
 

Singapore Permanent Resident households

Households whose owners do not include any Singapore citizen.

Your rehousing benefits

Details

Subsidised selling price

  • New flat at a subsidised price (no SERS grant)

Type of flat

  • Up to a new 5-room or 3Gen flat if you meet the additional eligibility conditions

Waiver of fees

  • Administrative and booking fees for the replacement flat

Deferred payment to HDB

  • Delay paying for the new flat until you collect the keys

Resale levy or premium concessions

  • Capped at $30,000, and different payment options are available, including deducting the amount from the SERS compensation

Note:

  • You will pay the resale levy or sales premium if you had previously sold a flat bought directly from HDB, or a unit, which can be a resale flat, DBSS flat or EC, bought with a CPF Housing Grant, and had chosen to pay a deferred resale levy or sales premium
  • If you sold your first subsidised flat between July 1985 and May 1997 and chose to pay the resale premium, you may now change the option to a resale levy (up to $30,000), if it is more favourable

Replacement flat housing loan eligibility

  • You are not eligible for a loan from HDB
  • You may get a bank loan, if you need one

To receive a SERS grant of $30,000, and be considered for a housing loan from HDB (the maximum loan granted will depend on our credit assessment), your household must meet the following before collecting keys to your replacement flat:

  • A family member aged at least 21 obtains Singapore citizenship and is included as a co-applicant for the replacement flat 
  • Your household meets the eligibility conditions to buy a flat on 99-year lease directly from HDB

You cannot rent out the whole replacement flat.

If you buy or acquire an interest in a private property after fulfilling the required minimum occupation period for the replacement flat, you will have to dispose of the flat within 6 months from buying the private property.

Remaining singles and Joint Singles Scheme households

Remaining singles are Singapore citizens when they bought their SERS flat as a family and are now living alone due to the death of their husband or wife, parent or parents, or children. Joint Singles Scheme households are households who bought the SERS flat under the Joint Singles Scheme.

Your rehousing benefits

Details

SERS grant

  • $30,000 grant to buy a new flat at a subsidised price

Type of flat

  • Up to a new 4-room flat or the same type of flat as the SERS flat, whichever is bigger

Waiver of fees

  • Administrative and booking fees for the replacement flat
  • Resale levy or premium if you bought the SERS flat directly from HDB, or from the open market with a CPF Housing Grant

Deferred payment to HDB

  • Delay paying for the new flat until you collect the keys

Resale levy or premium concessions

  • Capped at $30,000, and different payment options are available, including deducting the amount from the SERS compensation

Note:

  • You will pay the resale levy or sales premium if you had previously sold a flat bought directly from HDB, or a unit, which can be a resale flat, DBSS flat or EC, bought with a CPF Housing Grant, and had chosen to pay a deferred resale levy or sales premium
  • If you sold your first subsidised flat between July 1985 and May 1997 and chose to pay the resale premium, you may now change the option to resale levy (up to $30,000), if it is more favourable

Replacement flat housing loan eligibility

If your SERS flat is or was financed by an HDB concessionary loan:

  • You are eligible for a loan from HDB
  • The maximum loan we grant for the replacement flat will depend on a credit assessment

If your SERS flat is or was financed by an HDB market rate loan or bank loan:

  • You are not eligible for a loan from HDB
  • You may get a bank loan, if you need one
 

Single Singapore Citizen households

Households who bought the SERS flat under the Single Singapore Citizen Scheme.

Your rehousing benefits

Details

SERS grant

  • $15,000 grant to buy a new flat at a subsidised price

Type of flat

  • Up to a new 3-room or the same type of flat as the SERS flat, whichever is bigger
  • Up to a new 4-room flat, if the SERS flat is a 3-room flat with an internal floor area which is at least 10% bigger than the internal floor area of a 3-room replacement flat at the designated replacement site. If you buy apply for a flat elsewhere under BTO or SBF exercise, you can only buy up to a new 3-room flat

Waiver of fees

  • Administrative and booking fees for the replacement flat
  • Resale levy or premium if you bought the SERS flat directly from HDB or from the open market with a CPF Housing Grant

Deferred payment to HDB

  • Delay paying for the new flat until you collect the keys

Resale levy or premium concessions

  • Capped at $30,000, and different payment options are available, including deducting the amount from the SERS compensation

Note:

  • You will pay the resale levy or sales premium if you had previously sold a flat bought directly from HDB, or a unit, which can be a resale flat, DBSS flat or EC, bought with a CPF Housing Grant, and had chosen to pay a deferred resale levy or sales premium
  • If you sold your first subsidised flat between July 1985 and May 1997 and chose to pay the resale premium, you may now change the option to resale levy (up to $30,000), if it is more favourable

Replacement flat housing loan eligibility

If your SERS flat is or was financed by an HDB concessionary loan:

  • You are eligible for a loan from HDB
  • The maximum loan we grant for the replacement flat will depend on a credit assessment

If your SERS flat is or was financed by an HDB market rate loan or bank loan:

  • You are not eligible for a loan from HDB
  • You may get a bank loan, if you need one
 
You can receive more SERS rehousing benefits if you: 
 
  • Include your parents and/ or children in the new flat application to form a family unit
  • Are legally married before you collect the keys to your new flat
 
When the newly formed household meets all the eligibility conditions to buy a flat from HDB, you will:
 
  • Receive a higher SERS grant of $30,000
  • Be eligible to buy up to a 5-room flat

Third-timers and households who have had SERS before

Third-timers are households who have bought more than 1 flat directly from HDB, or had a CPF Housing Grant and bought at least 1 flat directly from HDB. Households who have had SERS benefits before are households whose previous flat had been announced for SERS and had enjoyed the SERS rehousing benefits then.

Your rehousing benefits

Details

Subsidised selling price

  • New flat at a subsidised price (no SERS grant)

Type of flat

  • Up to a new 3-room flat (for singles), 4-room flat (for remaining singles and joint singles), 5-room flat (for families), or 3Gen flat if you meet the additional eligibility conditions, or the same type as the SERS flat, whichever is bigger
Note:
  • If you have previously enjoyed SERS rehousing benefits, you are not allowed to sell your SERS flat in the open market.

Waiver of fees

  • Administrative and booking fees for the replacement flat

Deferred payment to HDB

  • Delay paying for the new flat until you collect the keys

Resale levy or premium concessions

  • Capped at $30,000, and different payment options are available, including deducting the amount from the SERS compensation

Note:

  • The resale levy or premium does not apply to third-timers who had already paid a resale levy or premium before
  • You will pay the resale levy or sales premium if you had previously sold a flat bought directly from HDB, or a unit, which can be a resale flat, DBSS flat or EC, bought with a CPF Housing Grant, and chosen to pay a deferred resale levy or sales premium
  • If you sold your first subsidised flat between July 1985 and May 1997 and chose to pay the resale premium, you may now change the option to resale levy (up to $30,000), if it is more favourable

Replacement flat housing loan eligibility

If your SERS flat is or was financed by an HDB concessionary loan:

  • You are eligible for a loan from HDB
  • The maximum loan we grant for the replacement flat will depend on our credit assessment

If your SERS flat is or was financed by an HDB market rate loan or bank loan:

  • You are not eligible for a loan from HDB
  • You may get a bank loan, if you need one
 

Private property owners

Households who own a private property that was bought before the SERS announcement.

Your rehousing benefits

Details

Subsidised selling price

  • New flat at a subsidised price (no SERS grant)

Type of flat

  • Up to a new 3-room flat (for singles), 4-room flat (for remaining singles and joint singles), 5-room flat (for families), or 3Gen flat if you meet the additional eligibility conditions, or the same type as the SERS flat, whichever is bigger

Note:

  • If you take up a new flat at the designated replacement site or a new flat elsewhere under a BTO or Sale of Balance Flats exercise, you must live in the new replacement flat after its completion while keeping the private property for investment

Waiver of fees

  • Administrative and booking fees for the replacement flat
  • Resale levy or premium if you bought the SERS flat directly from HDB or from the open market with a CPF Housing Grant)

Deferred payment to HDB

  • Delay paying for the new flat until you collect keys

Resale levy or premium concessions

  • Capped at $30,000, and different payment options are available, including deducting the amount from the SERS compensation

Note:

  • You will pay the resale levy or sales premium if you had previously sold a flat bought directly from HDB, or a unit, which can be a resale flat, DBSS flat or EC, bought with a CPF Housing Grant, and had chosen to pay a deferred resale levy or sales premium
  • If you sold your first subsidised flat between July 1985 and May 1997 and chose to pay the resale premium, you may now change the option to resale levy (up to $30,000), if it is more favourable

Replacement flat housing loan eligibility

  • You are not eligible for a loan from HDB
  • You may get a bank loan, if you need one
 

Further financial assistance through CPF Housing Grants

On top of the SERS grant, eligible households can get further financial assistance for their replacement flat purchase by applying for the Additional CPF Housing Grant (AHG) or Special CPF Housing Grant (SHG). These grant amounts are tiered to give lower income households greater financial assistance to buy their new flat.

To qualify for the grants, your household must not:

  • Have bought a flat directly from HDB, nor a DBSS flat, or EC from a developer
  • Have received a CPF Housing Grant or any form of housing subsidy
  • Exceed the qualifying average gross monthly household income

These are the eligible household types:

  • First-timers
  • Joint Singles Scheme households
  • Remaining singles households
  • Single SC households
  • Non-Citizen Spouse Scheme households
  • Couples comprising a first-timer and second-timer

In addition, please note that:

  • The AHG is available for any type of new replacement flat
  • The SHG is only available if you are getting a 4-room or smaller replacement flat in a non-mature estate

Qualifying average gross monthly household income

Household Type

Qualifying Monthly Household Income for AHG

Qualifying Monthly Household Income for SHG

  • First-timers
  • Joint Singles Scheme households
  • $5,000 or less for the 1-year period before the replacement flat application date
  • $8,500 or less for the 1-year period before the replacement flat application date
  • Remaining singles households
  • Single SC households
  • $2,500 or less for the 1-year period before the replacement flat application date
  • Calculated based on the income of the grant recipients
  • $4,250 or less for the 1-year period before the replacement flat application date
  • Calculated based on the income of the grant recipient
  • Non-Citizen Spouse Scheme households
  • Couples comprising a first-timer and second-timer

Note: At least 1 flat applicant must have been in continuous employment during the qualifying 1-year period, and still be employed at the time of the replacement flat application

AHG and SHG amounts

Buyers of short lease 2-room Flexi flats (15 to 45 years) will receive a prorated amount based on the lease of the 2-room flat.

  • First-timers
  • Joint Singles Scheme households
  • Remaining singles households
  • Single SC households
  • Non-Citizen Spouse scheme households
  • Couples comprising a first-timer and second-timer

Applicable Average Gross Monthly Household Income

AHG Amount

SHG Amount

Applicable Average Gross Monthly Household Income

AHG Amount

SHG Amount

$1,500 or less

$40,000

$40,000

$750 or less

$20,000

$20,000

$1,501 to $2,000

$35,000

$751 to $1,000

$17,500

$2,001 to $2,500

$30,000

$1,001 to $1,250

$15,000

$2,501 to $3,000

$25,000

$1,251 to $1,500

$12,500

$3,001 to $3,500

$20,000

$1,501 to $1,750

$10,000

$3,501 to $4,000

$15,000

$1,751 to $2,000

$7,500

$4,001 to $4,500

$10,000

$2,001 to $2,250

$5,000

$4,501 to $5,000

$5,000

$2,251 to $2,500

$2,500

$5,001 to $5,500

-

$35,000

$2,501 to $2,750

-

$17,500

$5,501 to $6,000

-

$30,000

$2,751 to $3,000

-

$15,000

$6,001 to $6,500

-

$25,000

$3,001 to $3,250

-

$12,500

$6,501 to $7,000

- $20,000

$3,251 to $3,500

- $10,000

$7,001 to $7,500

- $15,000 $3,501 to $3,750 - $7,500

$7,501 to $8,000

- $10,000 $3,751 to $4,000 - $5,000

$8,001 to $8,500

- $5,000 $4,001 to $4,250 - $2,500
For young couples buying a flat, find out if you are eligible for the deferred income assessment.

Flat owners who have booked or applied for a BTO, SBF or ROF flat before the SERS announcement

You may have booked or applied for a new flat in our Build-To-Order (BTO), Sale of Balance Flats (SBF) or Re-Offer of Balance Flats (ROF) exercises, before learning that your flat had been announced for SERS. There are a few options available in such cases. During the SERS Connect, we will discuss the options with you. Subsequently, you will be given a form to indicate your choice.

Available options

You can either:

  • Keep the flat application with rehousing benefits
  • Cancel the public BTO, SBF or ROF application and take up any of the available SERS rehousing options

These options are available to:

  • First- and second-timers
  • Non-Citizen Spouse Scheme households
  • Remaining singles and Joint Singles Scheme households
  • Single SC households

Additional options for first-timers

First-timers also have additional options. You can:

  • Keep the BTO, SBF or ROF flat application as a public applicant and sell the SERS flat with rehousing benefits. You will be considered to have had 2 housing subsidies
  • Keep the BTO, SBF or ROF flat application as a public applicant and return the SERS flat for ex-gratia payment on top of total compensation. You need to pay a resale levy based on the type of SERS flat, and will be considered to have had 2 housing subsidies

 

What if I am an undischarged bankrupt?

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

You do not need to seek OA's approval to be listed as an occupier of the replacement flat.

Eligibility conditions for buying 3Gen flats

To qualify for a 3Gen flat, you need to meet the additional eligibility conditions as follows:

  • Form a multi-generation family by including your parents or married child as co-applicants or occupiers in the replacement flat; and
  • At least one parent or married child must be Singapore Citizen or Singapore Permanent Resident.

3Gen flat owners cannot rent out any bedrooms within 5 years from collecting the keys. 3Gen flats can only be resold in the open market (upon meeting the required minimum occupation period) to other eligible multi-generation families.