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After you buy a flat, there are conditions that apply to flat owners and occupiers.
Find out if you have taken a housing subsidy, and if you qualify for the Citizen Top-Up Grant and Top-Up Grant.
You and your co-applicant(s) have taken a housing subsidy if you have bought:
If you are from a Singapore Citizen (SC)/ Singapore Permanent Resident (SPR) household, you may apply for a Citizen Top-Up Grant of $10,000 when your SPR family member obtains Singapore citizenship or when you have an SC child. Find out more information about the eligibility conditions of the Citizen Top-Up Grant.
If you have bought a resale flat with the Singles Grant or a 2-room Flexi flat (99-year lease) from HDB as a single, and are now married, you may apply for the Top-Up Grant. Find out more about the eligibility conditions of the Top-up Grant.
You are required to dispose your existing flat or property, or terminate the tenancy of your rental flat, when you buy another flat from HDB.
If you are buying a flat from HDB
You, your spouse, co-applicants, and any occupiers listed in the flat will have to dispose of the existing flat within 6 months from the date of key collection to the flat.
If you are buying a resale flat
You, your spouse, co-applicants, and any occupiers listed in the resale application must dispose of any interest in any existing HDB flat or private residential property within 6 months of the legal completion of the resale flat purchase.
All flat buyers who are renting a flat from HDB must terminate the tenancy and surrender the rental flat with vacant possession within 4 months of the date of key collection to a new flat or legal completion of the resale flat purchase.
The MOP is the period that you are required to physically occupy your flat before you can sell it on the open market.
All owners and occupiers listed in the flat application must occupy the flat for a minimum period of 5 years before you may:
* Note: There are eligibility conditions that you and your tenants have to meet. SPR households, i.e. all owners of a flat are SPRs, are not eligible to rent out whole flat or invest in private property.
The MOP starts from the day your flat purchase is legally completed.
For owners of Prime Location Public Housing (PLH) flats, the MOP is 10 years.
Occupiers who are essential in forming a family nucleus with you in the flat application must continue to be listed in the application and live in the flat during the MOP.
They cannot apply or be listed as occupiers in another application to buy an HDB flat or Executive Condominium unit from a property developer within the MOP.
If you and your spouse each own a flat and wish to dispose of both flats to get an HDB resale flat using the Top-Up Grant, the MOP may be waived for 1 flat to allow you to sell it in the open market. The other flat can be transferred to eligible family members or persons.
The resale levy is meant to reduce the housing subsidy on the flat buyers' second subsidised flat. It also ensures a fairer allocation of housing subsidies among flat buyers.
If you have bought a subsidised housing, you will need to pay a resale levy when you buy a second subsidised flat. A subsidised housing is:
If you do not intend to buy a second subsidised flat from HDB, i.e., you are buying a resale flat or private residential property, you need not pay the resale levy.
The resale levy payable is determined at the point you book your second subsidised flat. It applies regardless of ownership type (joint-tenancy or tenancy-in-common) or shared interest in the flat. Payment must be made using your flat sale proceeds and/or cash. HDB housing loan will not be extended to the payment of a resale levy.
Resale levy deducted from the net proceeds upon the sale of the first subsidised flat
Any shortfall to be paid in cash
If you have sold your first subsidised flat from 3 March 2006 onwards, you will pay a fixed amount resale levy as follows:
If the first subsidised flat was sold before 3 March 2006, a percentage graded resale levy will apply (see table for more details).
If you have opted to defer the payment of the resale levy until you buy another flat from HDB, an interest at a prevailing rate of 5% per annum is charged.
If you and your spouse are aged 55 and above, have sold your first subsidised flat before 3 March 2006 and right-sizing to a new 3-room or smaller flat, you will pay only the percentage graded resale levy, with the interest waived. The resale levy payable is also subject to a minimum amount of $15,000 for 2-room, $30,000 for 3-room, $40,000 for 4-room, $45,000 for 5-room, and $50,000 for Executive flat sold. These are the same resale levy amounts payable by second-timers who sold their first subsidised flat on or after 3 March 2006.
If you have any questions about the amount of resale levy payable, you may contact us via e-Feedback form.
Conditions apply for renting out your whole flat or your bedroom(s).
You may rent out your whole flat after the 5-year minimum occupation period (MOP) and after you have obtained an approval from HDB.
Owners of Prime Location Public Housing (PLH) flats are not allowed to rent out the whole flat.
You must seek HDB’s approval before renting out your bedroom(s). Applications to rent out flat/ bedrooms can be submitted online via HDB’s e-Services.
If you own a 3Gen flat, you cannot rent out any bedrooms within the MOP.
If you own a PLH flat, you may rent out your spare bedrooms.
Read more guidelines on renting out rooms.
Find out the conditions if you wish to acquire interest in another property.
All owners and occupiers listed in the flat may only invest in private residential property only after the minimum occupation period. However, you have to continue living in the flat after the purchase of the private residential property unless you have obtained HDB’s prior approval to rent* it out.
Further conditions apply if you applied for a flat under the Married Child Priority Scheme (MCPS), intend to sell your 3Gen flat, or obtained a Proximity Housing Grant for your resale flat.
Married Child Priority Scheme (MCPS)
Your parents/ married child must continue living in the same town or within 4km of the new flat during the 5-year minimum occupation period (MOP).
For flats offered under the Prime Location Public Housing model, the period is 10 years.
3Gen flats can only be resold in the open market to eligible multi-generation families.
Proximity Housing Grant (PHG)