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FAQ

Ballot Results
Q1: Why is my queue number so big even though I am a first-timer applicant or have applied for a flat under the Parenthood Priority Scheme (PPS) and/or the Married Child Priority Scheme (MCPS)?
Q2: How are first-timers helped if they do not have a chance to book a flat in the BTO exercises?
Flat Selection
Q3: When will I receive my invitation package?
Q4: I have been given a flat selection appointment. What are the consequences if I do not proceed to book a flat? 
Q5: What should I do if I am overseas and not able to attend my flat selection appointment?
Q6: What if my married child/parents do not book a flat under the Multi-Generation Priority Scheme (MGPS), can I still retain my flat application?
Q7: My parents and I have been invited for flat selection under the Multi-Generation Priority Scheme (MGPS). If we cannot attend the appointment on the same day, can I proceed to book a flat on the scheduled appointment date while my parents turn up on another day for their flat selection, or vice versa?
Q8: I have applied with a multi-generation family for a “5-room/ 3Gen flats”. Can I book a 5-room flat instead of a 3Gen flat during the selection exercise? Do I need to comply with the condition that the multi-generation families must continue to live together in the same flat?
Q9: Can I change the location or flat type of my flat application?
Q10: If I have been given a flat selection appointment, can I still apply for a flat in another sales exercise?
Q11: How can I find out whether all the available flats have been taken up or the quota for my ethnic group has been filled before my selection appointment?
Financing
Q12: When can I apply for the Additional Housing Grant (AHG)/ Special Housing Grant (SHG)?
Q13: I am a full-time student and have been working part-time for more than 1 year. Would I qualify to apply for the AHG?
Q14: Can I use the full AHG and SHG given to pay for the flat?
Q15: I am a single applicant who has booked a 2-room Flexi flat under the Single Singapore Citizen (SSC) Scheme and obtained the AHG/SHG (singles). Can I apply for the Top-Up Grant and the AHG/SHG for family if I get married before the completion of my new flat?
Q16: How much option fee do I have to pay when I book a flat?
Q17: When do I need to apply for an HDB Loan Eligibility (HLE) letter?
Q18: How much cash proceeds/CPF refund from the sale of my current flat or immediate past flat do I have to use if I am applying for a second HDB Concessionary loan?
Q19: Will HDB grant me a mortgage loan if I buy a short-lease 2-room Flexi flat?

Q1: Why is my queue number so big even though I am a first-timer applicant or have applied for a flat under the Parenthood Priority Scheme (PPS) and/or the Married Child Priority Scheme (MCPS)?
A1:It is not possible for all first-timer flat applicants to be balloted with small queue numbers to book a flat, especially when there is overwhelming demand for the flats on offer.
Q2:How are first-timers helped if they do not have a chance to book a flat in the BTO exercises?

A2: First-timer applicants (not applicable for those applying under the Singles Scheme), who are not successful in two or more applications for a BTO flat in non-mature estates, will be given an additional ballot chance (on top of their usual two chances as first-timer applicants) for their subsequent BTO applications in the non-mature estates.

Q3:When will I receive my invitation package?

A3: To do our part for the environment, we no longer provide hardcopy invitation package. All applications invited to attend a flat selection appointment will be notified to visit My HDBPage at www.hdb.gov.sg to view the invitation package. They will need to use their SingPass to access My HDBPage. The invitation package will contain the flat list and a list of documents to bring along for the flat selection.

If you do not have your SingPass or have not set up the 2-step Verification (2FA) for your SingPass account, please apply for one or set up the 2FA via the SingPass Online Request Service so that you can access the invitation package.

Q4: I have been given a flat selection appointment. What are the consequences if I do not proceed to book a flat?
A4: The following will apply if you do not book a flat in a BTO/Sale of Balance Flats exercise on two occasions when you have a chance to do so:
 
For First-timer Households
Any additional chances accumulated from your past unsuccessful BTO attempts are considered used up. After accumulating two non-selection counts, your subsequent flat applications in our sales exercises will be placed in the second-timer category for one year. During the one-year period, if you turn down another two chances to book a flat, the one-year period will be extended, i.e. your subsequent flat applications will be placed in the second-timer category for one year from the date of your last non-selection of flat.
 
For Second-timer Households
You will have to wait out one year before you can participate in any of our sales exercises.
 
For Applicants under the Singles Scheme
You will not be allowed to participate in any of our sales exercises under the Singles Singapore Citizen Scheme, Joint Singles Scheme or Non-Citizen Spouse Scheme for one year.
 
For Applicants who have Enjoyed Two Housing Subsidies and Private Property Owner
(including those who have disposed one within 30 months from the date of application)
You will have to wait out one year before you can participate in the future sales exercises to buy a short-lease 2-room Flexi flat.
 
Q5: What should I do if I am overseas and not able to attend my flat selection appointment?
A5: If you are not able to attend your flat selection appointment personally, you may authorise someone, who is a Singapore Citizen/Singapore Permanent Resident aged 21 and above, to book a flat on your behalf. Standard authorisation forms can be obtained from HDB InfoWEB at www.hdb.gov.sg (e-Services/General/HDB Downloadable Forms/Residential/Buying a New Flat/Authorisation Form).
Q6: What if my married child/parents do not book a flat under the Multi-Generation Priority Scheme (MGPS), can I still retain my flat application?
A6: Each MGPS application is issued three queue numbers, one under the MGPS and two under the Public Scheme. Under the Public Scheme, separate queue numbers will be given to the parents and the married children. You may be invited to book a flat under the Public Scheme, depending on your balloted queue position under the Public Scheme, if your married child/parents do not wish to book a flat under the MGPS.
Q7: My parents and I have been invited for flat selection under the Multi-Generation Priority Scheme (MGPS). If we cannot attend the appointment on the same day, can I proceed to book a flat on the scheduled appointment date while my parents turn up on another day for their flat selection, or vice versa?
A7: Parents and married child who are balloted under the MGPS must turn up on their scheduled appointment date and time to book their flats at the same time. If you cannot turn up for the scheduled appointment, you may authorise your parents to book a flat on your behalf, or vice versa. (Please refer to Q4 for details on how you can obtain the authorisation form.)
Q8: I have applied with a multi-generation family for a “5-room/ 3Gen flats”. Can I book a 5-room flat instead of a 3Gen flat during the selection exercise? Do I need to comply with the condition that the multi-generation families must continue to live together in the same flat?
A8: You may choose to book either a 5-room flat or 3Gen flat depending on the available flats and ethnic quota during your flat selection. If you did not apply for the Married Child Priority Scheme (living together with married child/ parent) in your flat application and you book a 5-room flat, you do not have to maintain the multi-generation family nucleus household.
Q9: Can I change the location or flat type of my flat application?
A9: You can only book a flat of the flat type you have applied for, and in the town you have applied for.
Q10: If I have been given a flat selection appointment, can I still apply for a flat in another sales exercise?

A10: You may apply for another sales exercise so long as you have not booked a flat. Once you have booked a unit, you will not be eligible to apply for another unit. From the Mar 2012 sales exercise onwards, applicants who have booked a flat/Studio Apartment and later cancelled their booking, will have to wait out a one-year period before they can apply again (whether as applicant or occupier) for a subsidized housing-this includes the buying of a subsidized flat from HDB, a resale flat with a CPF Housing Grant, a Design, Build and Sell Scheme (DBSS) flat or an Executive Condominium (EC) unit from a private developer, and a resale flat that has been announced for redevelopment under the Selection En bloc Redevelopment Scheme (SERS). 

Q11: How can I find out whether all the available flats have been taken up or the quota for my ethnic group has been filled before my selection appointment?

A11: You may check out the availability of flats on the HDB InfoWEB at www.hdb.gov.sg(eServices/Residential/Flats Available for Selection) before turning up for your flat selection appointment. If all the available flats are taken up or the quota for your ethnic group has been filled before your appointment, you will receive an SMS and/or an email informing you not to turn up for your flat selection appointment. You will also be notified by post.

Q12: When can I apply for the Additional Housing Grant (AHG)/ Special Housing Grant (SHG)?
A12: Eligible first-timer citizen families can apply for the AHG/SHG during their flat selection appointment, and use the AHG/SHG to offset the purchase price of their new flat. The basic eligibility conditions to qualify for the AHG/SHG are:

(i) At least one AHG/SHG applicant must have worked continuously for one year immediately before the flat application, and is still working at the time of the flat application; and

(ii) The average gross monthly household income over the one year period must not be more than $5,000 (families) or $2,500 (singles) for the AHG, and not more than $8,500 (families) or $4,250 (singles) for the SHG.

More details will be given to you in the invitation package for flat selection and during the selection appointment. After you have sent in the AHG/SHG application form and all the necessary income documents, HDB will assess your eligibility and inform you of the outcome. In the meantime, you may visit HDB’s InfoWEB at www.hdb.gov.sg for more information on the AHG/SHG (Buying a Flat/New/Schemes and Grants/CPF Housing Grants for HDB Flats).

Q13: I am a full-time student and have been working part-time for more than 1 year. Would I qualify to apply for the AHG/SHG?
A13: As you are a full-time student, you are not considered an employed person for the purpose of applying for the AHG/SHG, even if you take up part-time employment. However, if you are on full-time employment but your employer has given you no-pay leave to pursue full-time studies, we will consider you as an employed person and take your last drawn full-time pay to assess your eligibility to apply for the AHG/SHG.
14 Can I use the full AHG and SHG given to pay for the flat?
A14: You will have to pay at least 5% of the purchase price using your CPF and/or cash when the total housing grants (i.e. AHG and SHG) that you qualify exceed 95% of the purchase price of the flat.  Excess housing grant, if any, can be used to pay for items under the Optional Component Scheme and premiums that singles and Singapore Citizen/Singapore Permanent Resident households have to pay, before being credited into your CPF Special Account (SA)/ Retirement Account (RA) and Medisave Account (MA).
Q15: I am a single applicant who has booked a 2-room Flexi flat under the Single Singapore Citizen (SSC) Scheme and obtained the AHG/SHG (singles). Can I apply for the Top-Up Grant and the AHG/SHG for family if I get married before the completion of my new flat?

A15: Applicants who have booked a flat under the SSC will pay $15,000 more than married couples. If you marry a Singapore Citizen or a Singapore Permanent Resident before the new flat is completed, the selling price of your booked flat will be adjusted accordingly. If your spouse is a first-timer, the AHG/SHG (singles) given to you earlier will be recovered and you may apply for the AHG/SHG for family.

Q16: How much option fee do I have to pay when I book a flat?
A16: When you book a flat, you will have to pay an option fee by NETS. The amount of option fee you need to pay, will depend on the flat type you are buying, as follows:
 
Flat Type Option Fee
2-room Flexi $500
3-room $1000
4-room/5-room/3Gen $2000
Q17: When do I need to apply for an HDB Loan Eligibility (HLE) letter?
A17: If you wish to apply for an HDB housing loan to finance the purchase of a 99-year 2-room Flexi and bigger flat, you will need to have a valid HDB Loan Eligibility (HLE) letter before you book a flat. Before coming for your flat selection appointment, you may apply for an HLE letter early to plan your housing budget. Apply for one now via the HDB InfoWEB at www.hdb.gov.sg/hleapply. You can also make use of the Enquiry on Sales Financial Plan facility on the HDB InfoWEB at www.hdb.gov.sg (Buying a Flat/New/Finance/Planning/Sales Financial Plan) to work out your financial plan and understand the other fees (eg. stamp duty, conveyancing fees) involved for your flat purchase.
Q18: How much cash proceeds/CPF refund from the sale of my current flat or immediate past flat do I have to use if I am applying for a second HDB Concessionary loan?
A18: To encourage financial prudence and ensure that you do not overstretch your finances in buying a flat, you will need to use the full CPF refund and up to 50% of the cash proceeds (including cash deposit) from the sale of your current or immediate past flat to reduce the second loan amount. You may keep the greater of $25,000 or half of the cash proceeds.
Q19: Will HDB grant me a mortgage loan if I buy a short-lease 2-room Flexi flat?
A19: There is no mortgage financing for buying of short-lease flats.  You will have to pay the full purchase price before you can collect the keys to the short-lease 2-room Flexi flat.  You may, however, use more CPF savings (if CPF Board agrees), after you have set aside the Basic Retirement Sum.  Please check your available CPF savings, before deciding to book a flat.