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Residential
You will receive rehousing benefits under the Selective En bloc Redevelopment Scheme (SERS). These benefits will vary, depending on your household status:
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.
The SERS grant:
A first-timer household is one that has not bought a flat directly from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat from a developer, or taken a CPF Housing Grant or any form of housing subsidy before. A second-timer household is one that has bought 1 flat directly from HDB, an EC or DBSS flat from a developer, or taken a CPF Housing Grant or some form of housing subsidy before.
Your rehousing benefits
Details
SERS grant
Type of flat
Waiver of fees
Deferred payment to HDB
Resale levy or premium concessions
Replacement flat housing loan eligibility
If your SERS flat is or was financed by an HDB concessionary loan:
If your SERS flat is or was financed by an HDB market rate loan or bank loan:
This is a household with a Singapore citizen (SC) and a spouse who is neither a SC nor a Singapore permanent resident.
This is a household with no Singapore citizen owner.
Subsidised selling price
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:
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.
A remaining single is a Singapore citizen who bought the SERS flat with his/her family and is now the only owner as his/her spouse, parent(s) or child(ren) had passed away. A joint singles household is one that comprises two or more single Singapore citizen owners.
A single Singapore citizen household is one where the owner bought the SERS flat as a single.
A third-timer household is one that has bought more than one flat directly from HDB, or had a CPF Housing Grant and bought at least one flat directly from HDB. A household who has had SERS benefits before is one whose previous flat had been announced for SERS and had enjoyed the SERS rehousing benefits then.
A private property owner is one who owns a private property at the time of SERS announcement.
On top of the SERS grant, eligible households can get further financial assistance for their replacement flat purchase by applying for the Enhanced Housing Grant (EHG). These grant amounts are tiered to give lower income households greater financial assistance to buy their new flat.
Eligible first-timer families and households under the Joint Singles Scheme may apply for the EHG if their average gross monthly household income for 12 months before applying for a replacement flat is $9,000 or less. First-timer households under the Non-Citizen Spouse Scheme, Remaining Single and Single Singapore Citizen Scheme may also apply (if eligible) and the qualifying income is set at $4,500.
At least one flat applicant must be in continuous employment for 12 months prior to the flat application, and still be employed at the time of application. The EHG is on top of the SERS grant given when buying a subsidised replacement flat. The EHG amount depends on the average gross monthly income for the 12 months prior to the flat application, as set out below:
Average gross monthly household income*
Grant Amount#
$1,500 or less
$80,000
$750 or less
$40,000
$1,501 to $2,000
$75,000
$751 to $1,000
$37,500
$2,001 to $2,500
$70,000
$1,001 to $1,250
$35,000
$2,501 to $3,000
$65,000
$1,251 to $1,500
$32,500
$3,001 to $3,500
$60,000
$1,501 to $1,750
$30,000
$3,501 to $4,000
$55,000
$1,751 to $2,000
$27,500
$4,001 to $4,500
$50,000
$2,001 to $2,250
$25,000
$4,501 to $5,000
$45,000
$2,251 to $2,500
$22,500
$5,001 to $5,500
$2,501 to $2,750
$20,500
$5,501 to $6,000
$2,751 to $3,000
$17,500
$6,001 to $6,500
$3,001 to $3,250
$15,000
You may have booked or applied for a new flat under our Build-To-Order (BTO) or Sale of Balance Flats (SBF) exercise or open booking, before learning that your flat had been announced for SERS. There are a few options available in such cases. During the Collector’s Inquiry, we will discuss the options with you. Subsequently, you will be given a form to indicate your choice.
You can either:
These options are available to:
First-timer households also have additional options. You can:
Thereafter, you will be considered to have had two housing subsidies.
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.
To qualify for a 3Gen flat, you need to meet the additional eligibility conditions as follows:
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.
See what flat owners of Blocks 562 to 565 Ang Mo Kio Avenue 3 can look forward to at the new site in Ang Mo Kio Drive, which will be developed for them to live in and enjoy.
Get the site and replacement flat details, as well as the status of announced SERS projects.
Rehousing benefits are based on the status of the households. The benefits may include a SERS grant, concessions on resale levy or premium, and type of flat eligible for.
We will pay you the compensation based on the market value of your flat as at the time of SERS announcement, and some reasonable expenses to help you move.