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The Fresh Start Housing Scheme (Fresh Start) aims to help second-timer1 families with young children, who are currently living in public rental flats. It assists them in owning a 2-room Flexi2 flat by integrating financial assistance with personal responsibility and social support.
1 Second-timer refers to households who have previously enjoyed 1 housing subsidy.
2 The Fresh Start Housing Scheme will be expanded to include the purchase of 3-room short lease flats. More details will be announced when ready.
Households under the Fresh Start Housing Scheme will be assisted in the following ways:
* The $50,000 enhanced grant with $35,000 upfront disbursement will apply for flat applications made from the May 2022 sales launch. Applications made before the May 2022 sales launch will continue to be eligible for a total grant of $35,000 with $20,000 upfront disbursement. Please refer to the following table for a summary
You and all listed applicants and occupiers must meet the eligibility conditions.
To qualify for the scheme, the family must meet the following conditions:
At the point of application for a 2-room Flexi flat, your household must also meet the following conditions:
If you meet the eligibility conditions and wish to apply for the Fresh Start Housing Scheme, you may apply online.
Mr and Mrs Tan (aged 40), are living with their child (aged 12) in a 2-room public rental flat. Mr Tan is the sole breadwinner, earning $1,400. He pays a monthly rental of $240 in cash.
The following shows how they will benefit from the Fresh Start Housing Scheme:
What they pay
(selling price plus resale levy)
Housing budget needed
(cash/ CPF savings & housing loan)
Assumed cash/ CPF Savings
(e.g. from sale of previous flat)
Family will not qualify for this loan quantum.
At 47% Mortgage Servicing Ratio (MSR), this exceeds the maximum 30% MSR allowed
The family will be able to qualify for this loan quantum.
May be used to reduce loan tenure
 Flat prices and amounts payable are adjusted from 99-year lease. Prices exclude cost of Optional Component Scheme (OCS). The payment amounts are rounded to nearest $100 for illustration purposes only. Monthly mortgage instalments are rounded to the nearest $10.
 Based on the average price of 2-room Flexi flats in non-mature estates in 2021, inclusive of Type 1 (36 sqm) and Type 2 (46 sqm) flats, rounded to the nearest $5,000. The actual selling prices of 2-room Flexi flats may differ, depending on location, design features, individual flat attributes, and prevailing market conditions at the time of offer.
 An assumed amount for illustration purpose only. The actual amount payable varies according to the prevailing resale levy policy at the sale of the first subsidised flat.
Prepare for the booking appointment, application of housing grants and Optional Component Scheme.
Obtain details on the downpayment, stamp and legal fees, and how downpayment may be staggered or deferred.
Read about the payment required for collection of keys to a new flat, as well as information on the Contra Payment Facility and Temporary Loan Scheme.
Learn about the conditions that flat buyers have to follow after moving into their flat.