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These are the eligibility conditions to buy a new HDB flat (3-room flats and bigger)

Family nucleus

You will need to qualify for the HDB Flat under one of these eligibility schemes:

  • Public Scheme
    • You must be a Singapore Citizen and at least 21 years old at the time of application.
    • Your family nucleus must comprise at least another Singapore Citizen or Singapore Permanent Resident.
    • Family Nucleus Requirement: You, the applicant and your spouse or your parents or your children under your legal custody, care and control (for widowed/ divorced).
  • Fiance/Fiancee Scheme
    • You must be a Singapore Citizen and at least 21 years old at the time of application.
    • If your fiance/fiancee is below 21 years of age, he or she can only be listed as an occupier in your flat application.
    • If your fiance/fiancee is below 21 but above 18 years of age, a written consent from the parents or guardians must be submitted with your flat application.
  • Orphans Scheme
    • You must be a Singapore Citizen and at least 21 years old at the time of application
    • A single orphan applicant and all his unmarried siblings are to be listed in the same application
    • At least one of your deceased parents was Singapore Citizen or Singapore Permanent Resident

Citizenship

  • At least 1 Singapore Citizen applicant
  • At least 1 other Singapore Citizen or Singapore Permanent Resident

Age

  • At least 21 years old

Income ceiling

  • You are within the set income ceiling for the flat you intend to buy

Property ownership

  • You do not own other property overseas or locally, or have not disposed of any within the last 30 months
  • You have not bought a new HDB/ DBSS flat or EC, or received a CPF Housing Grant before; or, have only bought 1 of these properties/ received 1 CPF Housing Grant thus far

Undischarged bankrupts

  • Undischarged bankrupts need to seek the Official Assignee (OA)’s consent if they are applying for an HDB flat that is bigger than a 5-room flat or a 3Gen-flat.
  • However, they do not need to seek the OA’s approval to be listed as an occupier.

First-timer applicant

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:

  • Not the owner of a flat bought from HDB, or an EC/ DBSS flat bought from a developer
  • Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
  • Not received any CPF Housing Grant for the purchase of an HDB resale flat
  • Not taken any form of housing subsidy (e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS) or HUDC estate privatisation)

If you are a second-timer and your spouse/ spouse-to-be is a first-timer, you will be glad to know that you and your spouse/ spouse-to-be will enjoy first-timer privileges and priority as a couple.

Second-timer applicant

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)

Existing Owner or Ex-Owner of an HDB Flat

Are you, your spouse or any of the occupiers listed in the application an existing owner or ex-owner of a:

  • Flat bought directly from HDB
  • DBSS flat bought from the developers
  • Resale flat bought under the CPF Housing Grant Scheme

If you belong to any of the above categories, you may apply to buy a flat on condition that a 5-year period (excluding any period of subletting of the whole flat) has lapsed from the date of taking possession of the flat to the date of application for a new flat.

Ex-Owner of an EC

Are you, your spouse or any of the essential occupiers listed in the application an ex-owner of an Executive Condominium bought directly from the developer? If yes, you would need to meet a 5-year period from the date of taking possession of the earlier Executive Condominium.

In addition, you need to wait out a 30-month period from the effective date of disposal (i.e., date of legal completion of the sale of their Executive Condominium, evidenced by the Notice of Transfer or such other documentary evidence as HDB may require) of the Executive Condominium before you can apply for a new flat.

Essential Occupiers

You or any person listed the application must not be currently listed as an essential occupier of:

  • An existing HDB flat bought directly from HDB,
  • A DBSS flat bought under the CPF Housing Grant Scheme, or,
  • A resale flat bought under the CPF Housing Grant Scheme

However, an essential occupier may apply or be included in an application only if he has stayed in the existing flat for 5 years from the date of taking possession of the existing flat to the date of application for a new flat.

Divorcees

in case of a divorce, conditions will apply for the following types of property:

  • Flat bought from HDB
  • Resale flat bought with a CPF Housing Grant
  • DBSS flat/ EC bought from the developer

3-year wait-out period
For 3 years from the date of the divorce, only 1 party in the divorce can own any of the above properties
If any of the above properties was the matrimonial home and is now owned by your ex-spouse, you must wait for 3 years before you can buy or be listed as an essential occupier in one
If the matrimonial home was not one of the above, or if there was no matrimonial home, 1 party can apply for the abovementioned property types. However, the other party must first undertake to not own or be listed as an essential occupier of said properties for 3 years from the date of the divorce

Exception
There is no need for any 3-year wait-out period or undertaking if you are:

  • Buying one of the above properties with your parents and/ or new spouse
  • A parent meeting these conditions:
    • ​All of your children are aged below 18 at the date of the divorce
    • All the children are under your legal custody and you are the only parent given the care and control of your children

The 3-year wait-out period will not apply for flat applications received from May 2018 sales launches.

Cancelled an HDB flat application after booking a flat

If you booked a new HDB 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:

  • New HDB flat
  • DBSS flat/ EC bought from a developer
  • EC bought from a developer
  • Resale flat bought using a CPF Housing Grant
  • Resale flat announced for SERS

Taking a Housing Subsidy

You and your spouse will be considered as having taken a housing subsidy.

Citizen Top-Up
If you are from an SC/SPR household, you can apply for the Citizen Top-Up when your SPR family member takes up Singapore Citizenship or when you have a SC child.

Disposal of existing flat

You and your family members listed in the flat will have to dispose of your existing flat within 6 months of taking possession of the new flat.

Minimum Occupation Period (MOP)

You have to occupy the flat for 5 years before you can sell it in the open market.

You can submit an application to buy another flat direct from HDB or a new DBSS flat, after 5 years from the date of keys collection for your new flat or DBSS flat.

Essential occupiers in the flat

  • Occupiers who are essential in forming a family nucleus with you in the flat application must continue to be listed in the application and stay in the flat during the 5-year MOP.
  • They cannot make a separate application, or be listed as occupiers in another application to buy an HDB flat or another EC within the MOP.

Renting out your flat

Renting out the whole flat

  • You can rent out your whole flat after the 5-year MOP after you have obtained approval from HDB.

Renting out rooms

  • No prior approval from HDB is needed if you rent out bedrooms in your flat 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.

Resale Levy

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.

You are liable to pay a resale levy

  • When you sell the subsidised flat after meeting the MOP, and buy a second subsidised flat from HDB, or take over ownership of another subsidised HDB flat
  • Buy an Executive Condominium (EC) from a developer where the land sale was launched on or after 9 December 2013

If you do not intend to buy a second subsidised flat from HDB, for example, if you are buying a resale flat, a new DBSS flat, an EC from the developer, or a private residential property, you need not pay the resale levy.

Interest in Private Property

You cannot invest in private residential property during the 5-year minimum occupation period.

For more information in details, please refer to HDB Website