Conditions After Buying (For EC)

There are conditions that apply after you buy an EC unit from a property developer.

Taking a housing subsidy

You and your spouse have taken a housing subsidy when you buy an EC unit from a property developer.

Citizen Top-Up

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. Read more on the Citizen Top-Up.

Disposal of existing HDB flat

You and your family members listed in the EC application must dispose of any existing flat within 6 months of taking possession of the EC unit.

Minimum occupation period (MOP)

Sale of EC

EC units can only be sold on the open market after the 5-year MOP, computed from the date of the Temporary Occupation Permit, has been met.

Essential occupiers in EC

Occupiers who are essential in forming a family nucleus with you in the EC application must continue to be listed in the application, and live in the EC unit during the 5-year MOP. They cannot apply or be listed as occupiers in another application to buy an HDB flat or another EC unit within the 5 year from your taking possession of the EC unit.

Renting out your EC

Renting out the whole EC unit

Renting out the whole EC unit within the 5-year MOP is not allowed.

Renting out rooms

You do not need prior approval from HDB to rent out the bedrooms in your EC within the MOP. However, you must register the renting out of bedrooms with HDB within 7 days of doing so. You are also required to notify HDB when you renew or terminate the renting out of bedrooms, and when there are changes to your tenants’ particulars.

Interest in private property

You may invest in private residential property after the 5-year MOP.

Buying another subsidised home

After selling your EC unit in the open market, you must wait 30 months before you may apply to buy:

  • A flat from HDB
  • A resale flat with CPF Housing Grant (excluding the Proximity Housing Grant)
  • Another EC unit from a property developer

Resale levy

The resale levy is meant to reduce the housing subsidy on the buyers' second subsidised flat or EC unit from a property developer. It ensures a fairer allocation of housing subsidies among home buyers.

You are liable to pay a resale levy of $55,000:

  • When you sell an EC unit (bought with the CPF housing grant; or bought from a project launched from 2015 onwards) after meeting the MOP, and, after meeting a 30-month waiting period, buy a second subsidised flat from HDB or take over ownership of another subsidised HDB flat
  • Buy an EC unit from a property developer

If you do not intend to buy a second subsidised flat from HDB or EC unit from a property developer, and choose to buy a resale flat, or a private residential property, you need not pay the resale levy.