Under the 2-room Flexi Scheme, elderly citizens have the flexibility of choosing the length of lease on their 2-room flat, based on their age, needs, and preferences. If you are aged 55 and above, you can take up a lease of between 15 and 45 years in 5-year increments, as long as it covers you and your spouse up to the age of at least 95 years. First- and second-timer families, as well as first-timer singles, can buy new 2-room flats on a 99-year lease.
The eligibility conditions to buy a 2-room Flexi flat are detailed below.
Alternatively, you can also use our e-Service to check your eligibility to buy an HDB flat.
Before you submit your application, we advise that you learn more about the financial planning involved in a flat purchase and the conditions that apply after you buy a 2-room Flexi flat.
You can apply for a 2-room Flexi flat if you meet these eligibility conditions:
Eligible Applicant/ Family Nucleus
You need to qualify for a new flat under one of our eligibility schemes:
Your average gross monthly household income cannot exceed $7,000
Your average gross monthly household income cannot exceed $14,000
If you or any person listed in your flat application owns a private property either locally or overseas, you must dispose of all private properties within 6 months from the date of taking possession of the 2-room Flexi flat
You can apply for a 2-room Flexi flat as a couple, a family, a single, or together with unmarried siblings or other singles.
If you are an unmarried parent and would like to apply for a flat from HDB, please write to us via our e-Feedback Form. We will contact you soon after to understand more about your circumstances.
You can form a family nucleus with any of the following:
#If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application. If you face difficulties in obtaining the agreement or have a question for us, please contact us via our e-Feedback Form.
Applications under this scheme are only valid if there are no changes to the people listed in the application. This means that in the case of a break-up, you are not allowed to subsequently include the name(s) of a new fiancé/fiancée or your parents in the application, even if your ex-fiance/fiancée agrees.
You form a family nucleus with your spouse-to-be. Please note the following for the Fiancé/Fiancée Scheme.
Under this scheme, you need to solemnise your marriage within 3 months of collecting your keys to your flat. If your marriage is registered overseas, please submit a photocopy of your marriage certificate to us.
That person can only be listed as an essential occupier in the flat application. Written consent from that person’s parents/ guardians must be submitted during the flat selection appointment.
You and your siblings (those applying) are orphans and single, i.e. unmarried, divorced or widowed:
Please note that under the Orphans Scheme, siblings cannot buy/ rent flats separately.
You are a first-timer and single (unmarried, divorced, or widowed), and eligible for a new 2-room flat in non-mature estates.
You are a first-timer applicant and your spouse is a non-resident, i.e. neither a Singapore Citizen nor a Singapore Permanent Resident:
Applications under this scheme are valid only if there is no change to the people listed in your flat application. This means that you cannot later replace your spouse with your parents, or any other persons.
Note: If you have a child from the marriage and the child is a Singapore Citizen or Singapore Permanent Resident, you can apply for a flat under the Public Scheme.
You and the co-applicants (up to 3 others) are all first-timers and single (unmarried, divorced, or widowed).
All of you must:
Under this scheme, you will only be eligible for a new 2-room flat in non-mature estates.
Applications under this scheme are only valid if there are no changes to the people listed. This means that you are cannot later replace the names of the co-applicants.
The income ceiling depends on the type of flat you intend to get. If your average gross monthly household income exceeds the income ceiling, you will not be eligible for that flat type.
2-room Flexi flat on 99-year lease
2-room Flexi flat on short-lease (15-year to 45-year lease)
For your flat application, you and any other applicants and essential occupiers will need to prepare specific documents depending on your nature of employment. Also, please note that some forms of income/ allowance are not included when assessing your household income.
For your flat application, you and the other applicants and essential occupiers will need to get ready the following documents for our verification:
Aside from the above documents, we may also request other documents for verification if needed.
Nature of Employment
Documents to Submit
Note: If your income includes allowances, we will require 6 months’ payslips preceding the month of application.
Assessment is based on the average gross monthly income
The undertaking for applicants/occupiers to affirm their average gross monthly income will be included in the invitation package for flat selection. Applicants/occupiers will have to complete the undertaking and submit it during the flat selection appointment.
If the applicant/occupier is not in Singapore, he/she may complete the undertaking and arrange for a proxy to submit it during the flat selection appointment.
Odd job worker
Unemployed person (between 18 to 62 years old)
Income/ allowance that will be considered for income assessment
Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
Income from ad hoc overtime work
Interest from deposit accounts
National Service Allowance
Scholarship overseas allowance
Overseas cost of living allowance
Yes. There are instances where you may need to wait out a set time period before you can apply or be listed in the application for a new flat.
This usually happens when someone:
Before applying for the new flat, you need to check if you or any other flat applicant(s)/ essential occupier(s) to be listed in the flat application own any of these:
If so, that person must have already met that flat/ EC’s 5-year MOP before he can apply for a new flat. An essential occupier must also have met the flat/ EC's 5-year MOP before he can be listed in a new flat application.
In the case of ECs, you must also wait out a 30-month period from the EC’s effective date of disposal, which we will verify using your Notice of Transfer, or any other such documentation we may require.
Type of Property
Time Period Before You Can Apply for a New HDB Flat
MOP of 5 years
If you book a flat and subsequently cancel your booking, you must wait out a 1-year period from the date of the cancellation before you can apply or be listed as an essential occupier of a:
2 non-selections of a flat
If you are a second-timer applicant or first-timer single that does not book a flat after being invited to do so for 2 times in a row, you need to wait 1 year from the date of the second non-selection before you can participate in our sales launches.
Second-Timer Applicant/ First-Timer Single
Allowed to Apply for a New Flat?
Is successfully balloted and invited to select a flat, but does not do so
Gets successfully balloted a second time, and once again does not select a flat
Not for 1 year
A first-timer applicant is a person or household that has never received any form of housing subsidy, or similar benefit; a second-timer applicant is a person or household that has received some form of housing subsidy, or similar benefit. If you are a second-timer and your spouse/ spouse-to-be is a first-timer, you as a couple will enjoy first-timer privileges and priority.
First-timers enjoy privileges and priority in flat allocation.
Yours will be treated as a first-timer application if you and any of the other listed owners and essential occupiers meet the following criteria:
Average gross monthly household income $7,000 and below
Average gross monthly household income between $7,001 and $14,000
Yours will be treated as a second-timer application if any of the following applies to you or any of the other listed owners and essential occupiers:
Have owned or sold any of the following:
HDB flat bought from HDB
Resale flat bought using a CPF Housing Grant
EC/ DBSS flat bought from the developer
Once taken some form of housing subsidy (e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation)
You would be considered to have enjoyed two housing subsidies if you or the essential family members listed in your application have owned or sold two or more subsidised flats. You may apply for a short-lease 2-room flat if you have not bought a Studio Apartment or short-lease 2-room flat previously. You will have to pay a resale levy adjusted from $30,000 based on the lease of the 2-room Flexi flat.
Yes. If you are 55 years old and above, and have set aside the Basic Retirement Sum, you can use the CPF savings in your Ordinary Account (OA) to purchase the 2-room Flexi flat.
The 2-room Flexi flat will then be pledged for the CPF OA amount used, up to the maximum amount allowed under the Retirement Sum Scheme.
For further enquiries on the use of your CPF money to buy a flat, please call the CPF Board Service Line at 1800-227-1188 during office hours.
Exemptions may be possible for exceptional cases. To apply, please fill and submit this property questionnaire.
The properties considered in this instance include but are not limited to:
Yes, provided that you only own/ owned 1 of the following units prior to your application:
An eligible Singapore Citizen can purchase these properties twice in total, not twice per type of property.
If you have already purchased 2 such properties, you will not be eligible to apply for a new flat or be listed as an essential occupier in an application.
You must finalise the disposal of your private property or share in the private property within 6 months from the date of taking possession of the 2-room Flexi flat.
If you have been invited to select a flat, you may check out the flats available for selection