Couples and Families

Understand the eligibility conditions, the type of flats and CPF housing grants you may apply for, based on your household type. You may also complete the questionnaire for a preliminary assessment.

If you and your spouse are aged 55 and above and are looking to buy a short-lease 2-room Flexi flat or Community Care Apartment, please refer to the section on seniors.

If the information below does not apply to you, please share your situation with us via our e-Feedback form. We will assess your request holistically based on the circumstances.

Fiancé and fiancée

You are buying an HDB flat with your fiancé or fiancée.

You may apply for a flat from HDB or buy a resale flat on the open market with your spouse-to-be. If you intend to buy a 3Gen flat, please refer to multi-generation families.

Eligibility conditions

Criteria New Flats and Resale Prime Location Public Housing (PLH) Flats Resale Flats
Flat type Up to a 5-room flat All flat types (excluding 3Gen flats)
Citizenship

You must:

  • Be a Singapore Citizen (SC)
  • Include at least 1 other SC or Singapore Permanent Resident (SPR)^

You must:

  • Be an SC or SPR
  • Include at least 1 occupant who is an SC or SPR

For SPR households (i.e., an SPR household with no SC owner):

  • All SPR owners and essential occupiers# must have SPR status for 3 years

# An essential occupier is a family member who has enabled the applicant(s) to qualify to buy a flat. They do not have ownership of the flat and must remain in the flat application, as well as during the minimum occupation period after the flat purchase.
Age At least 21 years old
Monthly household income ceiling

2-room Flexi flat (99-year lease):

  • $7,000

3-room flat:

  • $7,000 or $14,000, depending on project. Our press release on the sales launches will specify the income ceiling for each project

4- and 5-room flat:

  • $14,000
  • $21,000 if purchasing with extended or multi-generation family (refer to the guide for more details)

No income ceiling

Note:

Income ceiling applies to qualify for CPF housing grants (excluding Proximity Housing Grant) and HDB housing loan.
Ownership/ interest in property in Singapore or overseas other than HDB flat

All applicants and occupiers listed in the flat application:

  • Must not own or have an interest in any local or overseas private property; and
  • Must not have disposed of any private property in the last 30 months before the flat application to buy a flat from HDB or resale PLH flat on the open market.

Private properties include but are not limited to houses, buildings, land, Executive Condominium (EC) units and privatised HUDC flats. You have acquired an interest in a property through purchase or when it is:

  • Acquired by gift;
  • Inherited as a beneficiary under a will or from the Intestate Succession Act; or
  • Owned, acquired, or disposed of through nominees.

All applicants and occupiers listed in the resale application:

  • Must not own or have an interest in any local or overseas private residential property; and
  • Must not have disposed of any private residential property in the last 15 months before the resale application.

The above conditions do not apply to senior citizens (and their spouses) aged 55 and above who are moving from their private residential property to a 4-room or smaller resale flat. Nevertheless, these seniors must dispose of the residential property within 6 months of the completion of the flat purchase.

Note:

If you own or have an interest in any local or overseas private property or have disposed of any private property in the last 30 months before the resale application or application for an HDB Loan Eligibility letter, you are not eligible for CPF housing grants (excluding Proximity Housing Grant) and/ or an HDB housing loan.
Previous housing subsidies

A subsidised housing unit refers to:

  • A flat bought from HDB
  • A resale flat bought on the open market with CPF housing grant
  • A Design Build and Sell Scheme (DBSS) flat bought from a property developer
  • An EC unit bought from a property developer
  • Other forms of housing subsidy (e.g., enjoyed benefits under the Selective En bloc Redevelopment Scheme (SERS), privatisation of HUDC estate, etc.)

To ensure the limited public housing subsidies are fairly distributed, each eligible household may take up to 2 housing subsidies.

If you have taken a housing subsidy, you are a second-timer and may buy a flat from HDB or resale PLH flat on the open market. You will need to pay a resale levy[1] when buying a flat from HDB. Find out more on the resale levy payable.

If you have taken 2 housing subsidies, you are not eligible to apply or be listed as an essential occupier in a flat application to buy a flat from HDB[2] or resale PLH flat on the open market.

[1] Resale levy is not applicable to buyers of resale PLH flats.
[2] Seniors may apply for a short-lease flat. Read seniors for more information.

Any previous housing subsidy taken does not affect the eligibility to buy a resale flat.

Note:

The number of housing subsidies you have taken will affect your eligibility to apply for CPF housing grants (excluding Proximity Housing Grant).
Ownership/ interest in HDB flat

If you or any person listed in the application owns or has an interest in any HDB flat, you must dispose of the flat within 6 months of the completion of the flat purchase.
Undischarged bankrupt

If you are an undischarged bankrupt, prior consent must be obtained from the Official Assignee (OA) or the private trustee, if:

  • You are applying to buy an HDB flat that is bigger than a 5-room flat or a 3Gen flat
  • You are buying any flat type with a net purchase price of $500,000 or above, after taking into account any HDB subsidies or levy

You do not need to seek prior consent from the OA or the private trustee if you are listed as an occupier of a flat.
CPF housing grants

Eligible families may apply for the following CPF housing grants for their flat purchase:

For buyers of resale PLH flats, the CPF housing grants for resale flats apply.

Eligible families may apply for the following CPF housing grants for their flat purchase:

^ First-timer households comprising only 1 SC and 1 or more SPR family members will have to pay a premium of $10,000 at flat purchase. You may apply for a Citizen Top-Up Grant of $10,000 when your spouse obtains Singapore citizenship or when you have an SC child. Find out more information about the Citizen Top-Up Grant eligibility conditions.

Solemnisation of marriage

You need to solemnise your marriage within 3 months from the completion of the flat purchase. HDB may request for a copy of your marriage certificate (where required) for verification.  

If your marriage was registered overseas, please submit a copy of your marriage certificate via our e-Feedback form within 3 months from the completion of the flat purchase.

If spouse-to-be is below 21 years old

Your spouse-to-be can only be listed as an essential occupier in the flat application. You must also submit the following document:

Age of Spouse-to-Be Document Required Submission of Document
New Flat Resale Flat
Below 21 but above 18 years old Written consent from his/ her parents/ guardians During flat booking appointment Together with resale application
Below 18 years old Special Marriage Licence from the Ministry of Social and Family Development

No change of persons listed in the application

Flat applications are only valid if there are no changes to the persons listed in the application. The application will be cancelled in the event of a break-up. Please refer to the buying procedures for new flats and resale flats for more information.

Married couples and/ or parent(s) with child(ren)

You are buying a flat as a Singapore Citizen (SC) or Singapore Permanent Resident (SPR) household.

You and your family may apply for a flat from HDB or buy a resale flat on the open market. If you intend to buy a 3Gen flat, refer to multi-generation families.

Your household must comprise 1 of the following groups:

  • You, your spouse and child(ren)
  • You, your parents and siblings. If you are an unmarried/ widowed/ divorced SC buying a flat with parents, at least one of your parents must be an SC or SPR.
  • You and your child(ren) under your legal custody, care and control (for widowed/ divorced persons). If the care and control of your child is shared with your ex-spouse, you must obtain his/ her written agreement before you may list your child in a flat application. If you face difficulties in obtaining the agreement, please share your situation and your finalised divorce documents with us via our e-Feedback form.

If you are an unwed parent and would like to buy a flat with your child(ren), please share your situation with us via our e-Feedback form. We will contact you and assess the request holistically based on the circumstances.

Eligibility conditions

Criteria New Flats and Resale Prime Location Public Housing (PLH) Flats Resale Flats
Flat type Up to a 5-room flat All flat types (excluding 3Gen flats)
Citizenship

You must:

  • Be a Singapore Citizen (SC)
  • Include at least 1 other SC or SPR^

You must:

  • Be an SC or SPR
  • Include at least 1 applicant/ occupier who is an SC or SPR

For SPR households (i.e., an SPR household with no SC owners):

  • All SPR owners and essential occupiers# must have SPR status for at least 3 years

# An essential occupier is a family member who has enabled the applicant(s) to qualify to buy a flat. They do not have ownership of the flat and must remain in the flat application, as well as during the minimum occupation period after the flat purchase.
Age At least 21 years old
Monthly household income ceiling

2-room Flexi flat (99-year lease):

  • $7,000

3-room flat:

  • $7,000 or $14,000, depending on project. Our press release on the sales launches will specify the income ceiling for each project

4- and 5-room flat:

  • $14,000
  • $21,000 if purchasing with extended or multi-generation family (refer to the guide for more details)

No income ceiling

Note:

Income ceiling applies to qualify for CPF housing grants (excluding Proximity Housing Grant) and HDB housing loan.
Ownership/ interest in property in Singapore or overseas other than HDB flat

All applicants and occupiers listed in the flat application:

  • Must not own or have an interest in any local or overseas private property; and
  • Must not have disposed of any private property in the last 30 months before the flat application to buy a flat from HDB or resale PLH flat on the open market.

Private properties include but are not limited to houses, buildings, land, Executive Condominium (EC) units and privatised HUDC flats. You have acquired an interest in a property through purchase or when it is:

  • Acquired by gift;
  • Inherited as a beneficiary under a will or from the Intestate Succession Act; or
  • Owned, acquired, or disposed of through nominees.

All applicants and occupiers listed in the resale application:

  • Must not own or have an interest in any local or overseas private residential property; and
  • Must not have disposed of any private residential property in the last 15 months before the resale application.

The above conditions do not apply to senior citizens (and their spouses) aged 55 and above who are moving from their private residential property to a 4-room or smaller resale flat. Nevertheless, these seniors must dispose of the residential property within 6 months of the completion of the flat purchase.

Note:

If you own or have an interest in any local or overseas private property or have disposed of any private property in the last 30 months before the resale application or application for an HDB Loan Eligibility letter, you are not eligible for CPF housing grants (excluding Proximity Housing Grant) and/ or an HDB housing loan.
Previous housing subsidies

A subsidised housing unit refers to:

  • A flat bought from HDB
  • A resale flat bought on the open market with CPF housing grant
  • A Design Build and Sell Scheme (DBSS) flat bought from a property developer
  • An EC unit bought from a property developer
  • Other forms of housing subsidy (e.g., enjoyed benefits under the Selective En bloc Redevelopment Scheme (SERS), privatisation of HUDC estate, etc.)

To ensure the limited public housing subsidies are fairly distributed, each eligible household may take up to 2 housing subsidies.

If you have taken a housing subsidy, you are a second-timer and may buy a flat from HDB or resale PLH flat on the open market. You will need to pay a resale levy[1] when buying a flat from HDB. Find out more on the resale levy payable.

If you have taken 2 housing subsidies, you are not be eligible to apply or be listed as an essential occupier in a flat application to buy a flat from HDB[2] or resale PLH flat on the open market.

[1] Resale levy is not applicable to buyers of resale PLH flats.
[2] Seniors may apply for a short-lease flat. Read seniors or more information.

Any previous housing subsidy taken does not affect the eligibility to buy a resale flat.

Note:

The number of housing subsidies you have taken will affect your eligibility to apply for CPF housing grants (excluding Proximity Housing Grant).
Ownership/ interest in HDB flat

If you or any person listed in the application owns or has an interest in any HDB flat, you must dispose of the flat within 6 months of the completion of the flat purchase.
Undischarged bankrupt

If you are an undischarged bankrupt, prior consent must be obtained from the Official Assignee (OA) or the private trustee, if:

  • You are applying to buy an HDB flat that is bigger than a 5-room flat or a 3Gen flat
  • You are buying any flat type with a net purchase price of $500,000 or above, after taking into account any HDB subsidies or levy

You do not need to seek prior consent from the OA or the private trustee if you are listed as an occupier of a flat.
CPF housing grants

Eligible families may apply for the following CPF housing grants for their flat purchase:

For buyers of resale PLH flats, the CPF housing grants for resale flats apply.

Eligible families may apply for the following CPF housing grants for their flat purchase:

Singles buying a resale flat with their parents may apply for the following CPF housing grants:

^ First-timer households comprising only 1 SC and 1 or more SPR family members will have to pay a premium of $10,000 at flat purchase. You may apply for a Citizen Top-Up Grant of $10,000 when your spouse obtains Singapore citizenship or when you have an SC child. Find out more information about the Citizen Top-Up Grant eligibility conditions.

Related schemes

Fresh Start Housing Scheme (New flats only)

Second-timer families with children who live in a public rental flat may qualify for the Fresh Start Housing Scheme.

Conversion Scheme (Resale flats only)

Families (including singles buying with their parents) who wish to purchase adjoining flats that are 3-room or smaller and convert them into 1 unit, may apply for the Conversion Scheme.

Multi-generation families

You are buying a flat with your fiancé/ fiancée or spouse and your parents.

Your household may apply for a 3Gen flat from HDB or buy a resale 3Gen flat.

If you intend to buy other flat types, please refer to:

Eligibility conditions

Criteria New Flats and Resale Prime Location Public Housing (PLH) Flats Resale Flats
Citizenship

You must:

  • Be a Singapore Citizen (SC)
  • Include at least 1 other SC or Singapore Permanent Resident (SPR)^
  • At least 1 parent must be an SC or SPR

You must:

  • Be an SC or SPR
  • Include at least 1 occupant who is an SC or SPR

For SPR households (i.e., an SPR household with no SC owners):

  • All SPR owners and essential occupiers# must have SPR status for 3 years
  • At least 1 parent must be an SC or SPR

# An essential occupier is a family member who has enabled the applicant(s) to qualify to buy a flat. They do not have ownership of the flat and must remain in the flat application, as well as during the minimum occupation period after the flat purchase.
Age At least 21 years old
Monthly household income ceiling

$21,000* if purchasing with extended or multi-generation family (refer to the guide for more details)

No income ceiling

Note:

Income ceiling applies to qualify for CPF housing grants (excluding Proximity Housing Grant) and HDB housing loan.
Ownership/ interest in property in Singapore or overseas other than HDB flat

All applicants and occupiers listed in the flat application:

  • Must not own or have an interest in any local or overseas private property; and
  • Must not have disposed of any private property in the last 30 months before the flat application to buy a flat from HDB or resale PLH flat on the open market.

Private properties include but are not limited to houses, buildings, land, Executive Condominium (EC) units and privatised HUDC flats. You have acquired an interest in a property through purchase or when it is:

  • Acquired by gift;
  • Inherited as a beneficiary under a will or from the Intestate Succession Act; or
  • Owned, acquired, or disposed of through nominees.

All applicants and occupiers listed in the resale application:

  • Must not own or have an interest in any local or overseas private residential property; and
  • Must not have disposed of any private residential property in the last 15 months before the resale application.

The above conditions do not apply to senior citizens (and their spouses) aged 55 and above who are moving from their private residential property to a 4-room or smaller resale flat. Nevertheless, these seniors must dispose of the residential property within 6 months of the completion of the flat purchase.

Note:

If you own or have an interest in any local or overseas private property or have disposed of any private property in the last 30 months before the resale application or application for an HDB Loan Eligibility letter, you are not eligible for CPF housing grants (excluding Proximity Housing Grant) and/ or an HDB housing loan.
Previous housing subsidies

A subsidised housing unit refers to:

  • A flat bought from HDB
  • A resale flat bought on the open market with CPF housing grant
  • A Design Build and Sell Scheme (DBSS) flat bought from a property developer
  • An EC unit bought from a property developer
  • Other forms of housing subsidy (e.g., enjoyed benefits under the Selective En bloc Redevelopment Scheme (SERS), privatisation of HUDC estate, etc.)

To ensure the limited public housing subsidies are fairly distributed, each eligible household may take up to 2 housing subsidies.

If you have taken a housing subsidy, you are a second-timer and may buy a flat from HDB or resale PLH flat on the open market. You will need to pay a resale levy[1] when buying a flat from HDB. Find out more on the resale levy payable.

If you have taken 2 housing subsidies, you are not be eligible to apply or be listed as an essential occupier in a flat application to buy a flat from HDB[2] or resale PLH flat on the open market.

[1] Resale levy is not applicable to buyers of resale PLH flats.
[2] Seniors may apply for a short-lease flat. Read seniors for more information.

Any previous housing subsidy taken does not affect the eligibility to buy a resale flat.

Note:

The number of housing subsidies you have taken will affect your eligibility to apply for CPF housing grants (excluding Proximity Housing Grant).
Ownership/ interest in HDB flat

If you or any person listed in the application owns or has an interest in any HDB flat, you must dispose of the flat within 6 months of the completion of the flat purchase.
Undischarged bankrupt

If you are an undischarged bankrupt, prior consent must be obtained from the Official Assignee (OA) or the private trustee, if:

  • You are applying to buy an HDB flat that is bigger than a 5-room flat or a 3Gen flat
  • You are buying any flat type with a net purchase price of $500,000 or above, after taking into account any HDB subsidies or levy

You do not need to seek prior consent from the OA or the private trustee if you are listed as an occupier of a flat.
CPF housing grants

Eligible families may apply for the following CPF housing grants for their flat purchase:

For buyers of resale PLH flats, the corresponding CPF housing grants for resale flats apply.

Eligible families may apply for the following CPF housing grants for their flat purchase:

^ First-timer households comprising only 1 SC and 1 or more SPR family members will have to pay a premium of $10,000 at flat purchase. You may apply for a Citizen Top-Up Grant of $10,000 when your spouse obtains Singapore citizenship or when you have an SC child. Find out more information about the Citizen Top-Up Grant eligibility conditions.

Related schemes

Conversion Scheme (Resale flats only)

If you wish to purchase adjoining flats that are 3-room or smaller and convert them into 1 unit, you may apply for the Conversion Scheme.

Orphaned siblings

You are buying a flat with your sibling(s) who are orphans and single.

You may apply for a flat from HDB or buy a resale flat on the open market with your siblings who are orphans and single, i.e., unmarried, divorced, or widowed:

  • All your siblings are listed in the same application, and they are not applying for/ owning/ renting a flat separately
  • At least 1 of your deceased parents was a Singapore Citizen (SC) or Singapore Permanent Resident (SPR)

Eligibility conditions 

Criteria New Flats and Resale Prime Location Public Housing (PLH) Flats Resale Flats
Flat type

Up to a 5-room flat

All flat types (excluding 3Gen flats)
Citizenship

You must:

  • Be an SC
  • Include at least 1 other SC or SPR^

You must:

  • Be an SC
  • Include at least 1 other SC or SPR
Age At least 21 years old
Monthly household income ceiling

2-room Flexi flat (99-year lease):

  • $7,000

3-room flat:

  • $7,000 or $14,000, depending on project. Our press release on the sales launches will specify the income ceiling for each project

4- and 5-room flat:

  • $14,000

No income ceiling

Note:

Income ceiling applies to qualify for CPF housing grants (excluding Proximity Housing Grant) and HDB housing loan.
Ownership/ interest in property in Singapore or overseas other than HDB flat

All applicants and occupiers listed in the flat application:

  • Must not own or have an interest in any local or overseas private property; and
  • Must not have disposed of any private property in the last 30 months before the flat application to buy a flat from HDB or resale PLH flat on the open market.

Private properties include but are not limited to houses, buildings, land, Executive Condominium (EC) units and privatised HUDC flats. You have acquired an interest in a property through purchase or when it is:

  • Acquired by gift;
  • Inherited as a beneficiary under a will or from the Intestate Succession Act; or
  • Owned, acquired, or disposed of through nominees.

All applicants and occupiers listed in the resale application:

  • Must not own or have an interest in any local or overseas private residential property; and
  • Must not have disposed of any private residential property in the last 15 months before the resale application.

The above conditions do not apply to senior citizens (and their spouses) aged 55 and above who are moving from their private residential property to a 4-room or smaller resale flat. Nevertheless, these seniors must dispose of the residential property within 6 months of the completion of the flat purchase.

Note:

If you own or have an interest in any local or overseas private property or have disposed of any private property in the last 30 months before the resale application or application for an HDB Loan Eligibility letter, you are not eligible for CPF housing grants (excluding Proximity Housing Grant) and/ or an HDB housing loan.
Previous housing subsidies

A subsidised housing unit refers to:

  • A flat bought from HDB
  • An HDB resale flat bought on the open market with CPF housing grant
  • A Design Build and Sell Scheme (DBSS) flat bought from a property developer
  • An EC unit bought from a property developer
  • Other forms of housing subsidy (e.g., enjoyed benefits under the Selective En bloc Redevelopment Scheme (SERS), privatisation of HUDC estate etc.)

To ensure the limited public housing subsidies are fairly distributed, each eligible household may take up to 2 housing subsidies.

If you have taken a housing subsidy, you are a second-timer and may buy a flat from HDB or resale PLH flat on the open market. You will need to pay a resale levy[1] when buying a flat from HDB. Find out more on the resale levy payable.

If you have taken 2 housing subsidies, you are not be eligible to apply or be listed as an essential occupier in a flat application to buy a flat from HDB[2] or resale PLH flat on the open market.

[1] Resale levy is not applicable to buyers of resale PLH flats.
[2] Seniors may apply for a short-lease flat. Read seniors for more information.

Any previous housing subsidy taken does not affect the eligibility to buy a resale flat.

Note:

The number of housing subsidies you have taken will affect your eligibility to apply for CPF housing grants (excluding Proximity Housing Grant).
Ownership/ interest in HDB flat

If you or any person listed in the application owns or has an interest in any HDB flat, you must dispose of the flat within 6 months of the completion of the flat purchase.
Undischarged bankrupt

If you are an undischarged bankrupt, prior consent must be obtained from the Official Assignee (OA) or the private trustee, if:

  • You are applying to buy an HDB flat that is bigger than a 5-room flat or a 3Gen flat
  • You are buying any flat type with a net purchase price of $500,000 or above, after taking into account any HDB subsidies or levy

You do not need to seek prior consent from the OA or the private trustee if you are listed as an occupier of a flat.
CPF housing grants

Eligible families may apply for the following CPF housing grants for their new flat purchase:

For buyers of resale PLH flats, the corresponding CPF housing grants for resale flats apply.

Eligible families may apply for the following CPF housing grants for their flat purchase:

^ First-timer households comprising only 1 SC and 1 or more SPR family members will have to pay a premium of $10,000 at flat purchase. You may apply for a Citizen Top-Up Grant of $10,000 when your spouse obtains Singapore citizenship or when you have an SC child. Find out more information about the Citizen Top-Up Grant eligibility conditions.

Families with non-residents

You are a Singapore Citizen (SC) buying a flat with your non-resident spouse or parents/ child(ren).

Non-resident spouse

You may apply to buy a 2-room Flexi flat in the non-mature estates from HDB or buy a resale flat on the open market with your non-resident spouse i.e., not an SC or Singapore Permanent Resident (SPR). If you have a child who is an SC or SPR, please refer to married couples and/ or parent(s) with child(ren).

Non-resident parents/ child(ren)

You may buy a resale flat as a single, divorced, or widowed SC, with your parents/ child(ren) (under your legal custody, care, and control), who are non-residents (i.e., not SC or SPR).

Eligibility conditions

Criteria New Flats
(Only for purchase with non-resident spouse)		 Resale Flats
Flat type

2-room Flexi flat in non-mature estates

 All flat types (excluding 3Gen flats and Prime Location Public Housing resale flats)
Citizenship

You must:

  • Be an SC
  • Your spouse is a non-resident, i.e., neither an SC nor an SPR, must be holding a valid Visit Pass or Work Pass of any validity period, at the time of your flat application

You must:

  • Be an SC

Non-resident spouse

If you are 21 years old or above:

  • Your spouse must have a valid+ Long Term Visit Pass or Work Pass of at least 6 months from the date of issue at the time you submit your application to buy a resale flat

If you are 35 years old or above:

  • Your spouse must have a valid+ Visit Pass or Work Pass of any validity period at the time you submit your application to buy a resale flat

Non-resident family members:

  • You must include one of the following family members in your flat application:
    • Your parents and siblings (if any)
    • Children under your legal custody, care, and control (for widowed/ divorced persons)
  • At least 1 parent/ child must have a valid+ Long Term Visit Pass or Work Pass of at least 6 months from the date of issue at the time you submit your application to buy a resale flat
+ If the pass expires during the transaction to buy a resale flat, it must be renewed and valid at the time you complete the resale flat purchase
Age At least 35 years old At least 21 years old
Monthly household income ceiling

2-room Flexi flat (99-year lease): $7,000

For short-lease 2-room Flexi flat, please refer to seniors.

No income ceiling

Note:

Income ceiling applies to qualify for CPF housing grants (excluding Proximity Housing Grant) and HDB housing loan.
Ownership/ interest in property in Singapore or overseas other than HDB flat

All applicants and occupiers listed in the flat application:

  • Must not own or have an interest in any local or overseas private property; and
  • Must not have disposed of any private property in the last 30 months before the flat application to buy a flat from HDB or resale PLH flat on the open market.

Private properties include but are not limited to houses, buildings, land, Executive Condominium (EC) units and privatised HUDC flats. You have acquired an interest in a property through purchase or when it is:

  • Acquired by gift;
  • Inherited as a beneficiary under a will or from the Intestate Succession Act; or
  • Owned, acquired, or disposed of through nominees.

All applicants and occupiers listed in the resale application:

  • Must not own or have an interest in any local or overseas private residential property; and
  • Must not have disposed of any private residential property in the last 15 months before the resale application.

The above conditions do not apply to senior citizens (and their spouses) aged 55 and above who are moving from their private residential property to a 4-room or smaller resale flat. Nevertheless, these seniors must dispose of the residential property within 6 months of the completion of the flat purchase.

Note:

If you own or have an interest in any local or overseas private property or have disposed of any private property in the last 30 months before the resale application or application for an HDB Loan Eligibility letter, you are not eligible for CPF housing grants (excluding Proximity Housing Grant) and/ or an HDB housing loan.
Previous housing subsidies

Only first-timers may qualify.

If you have taken a housing subsidy, you are a second-timer and will not be eligible. A subsidised housing unit refers to:

  • A flat bought from HDB
  • A resale flat bought on the open market with CPF housing grant
  • A Design Build and Sell Scheme (DBSS) flat bought from a property developer
  • An EC unit bought from a property developer
  • Other forms of housing subsidy (e.g., enjoyed benefits under the Selective En bloc Redevelopment Scheme (SERS), privatisation of HUDC estate, etc.)

Any previous housing subsidy taken does not affect the eligibility to buy a resale flat.

Note:

The number of housing subsidies you have taken will affect your eligibility to apply for CPF housing grants (excluding Proximity Housing Grant).
Ownership/ interest in HDB flat If you or any person listed in the application owns or has an interest in any HDB flat, you must dispose of the flat within 6 months of the completion of the flat purchase.
Undischarged bankrupt

If you are an undischarged bankrupt, prior consent must be obtained from the Official Assignee (OA) or the private trustee, if:

  • You are applying to buy an HDB flat that is bigger than a 5-room flat or a 3Gen flat
  • You are buying any flat type with a net purchase price of $500,000 or above, after taking into account any HDB subsidies or levy

You do not need to seek prior consent from the OA or the private trustee if you are listed as an occupier of a flat.
Additional amount payable

$15,000, incorporated into the price of the booked flat

Not applicable
CPF housing grants

Eligible families may apply for the following CPF housing grants for their flat purchase:

Eligible families may apply for the following CPF housing grants for their flat purchase: