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HDB Buyer Timeline – Eligibility - PropertyWiki

Am I eligible to buy?

You can buy an HDB resale flat when you meet the conditions of the eligibility schemes. In general, there must be at least 1 Singapore Citizen or 2 Singapore Permanent Residents listed in the flat application.

Click on the FAQ below to find out more

Eligibility criteria

CriteriaDetails
CitizenshipYou must
  • Be an SC or SPR
  • Include at least 1 listed occupant who is an SC or SPR
  • SPR household (i.e. a SPR household with no SC owner): All SPR owners and essential occupiers must have SPR status for 3 years before they can buy a resale flat.
Age21 years old or above
Family nucleusYou must form a family nucleus with 1 of the following groups. Your:
  • Spouse and children
  • Parents and siblings (if you are a single SPR buying with parents, at least one of your parents must be an SC or SPR)
  • Children under your legal custody, care and control (for widowed/ divorced persons)
EIP and SPR quotaYou must meet the EIP and SPR quota for the block/neighbourhood when you submit the resale application.

Eligibility criteria

CriteriaDetails
CitizenshipYou and your fiancé or fiancée must be either:
  • SC or SPR
  • SPR household (i.e. a SPR household with no SC owner): All SPR owners and essential occupiers must have SPR status for 3 years before they can buy a resale flat.
Age21 years old or above
Family nucleusYour fiancé or fiancée must be listed in the application as either:
  • A co-applicant (if 21 years old or above)
  • An occupant

Note: Special conditions apply for fiancé or fiancée below 21 years old.

EIP and SPR quota
You must meet the EIP and SPR quota for the block/ neighbourhood when you submit the resale application.
Special conditionsYou and your fiancé or fiancée must:
  • Solemnise your marriage with the Registry of Civil Marriages or Registry of Muslim Marriages within 3 months from the resale completion date
  • Submit a photocopy of your marriage certificate to us within 3 months from the resale completion date, if your marriage is registered overseas

Consent of parents

  • If your fiancé or fiancée is between 18 and 21 years old, his/ her parents must agree to the purchase.

Special Marriage Licence

  • If your fiancé or fiancée is below 18 years old, you need to apply for a Special Marriage Licence from the Ministry of Social and Family Development and submit it to us for verification.

Divorcees are required to produce the following for verification:

  • Interim Judgment (previously known as Decree Nisi)
  • Order of Court
  • Final Judgment (previously known as Decree Nisi Absolute)

Eligibility criteria

CriteriaDetails
CitizenshipYou must be an SC
Age
  • Unmarried or divorced: 35 years old or above
  • Widowed or an orphan: 21 years old or above
EIP and SPR quotaYou must meet the EIP and SPR quota for the block/neighbourhood when you submit the resale application.
Special conditionsFor orphans:
  • At least one of your deceased parents must have been an SC or SPR
  • If you are below 35 years old, you must not have another sibling who is below 35 years old buying/owning another flat under the:
    • ​Orphans Scheme
    • Single Singapore Citizen Scheme
    • Joint Singles Scheme

Eligibility criteria

CriteriaDetails
CitizenshipYou and all the co-applicants must be SCs
Age
  • Unmarried or divorced: 35 years old or above
  • Widowed or an orphan: 21 years old or above
EIP and SPR quota
You must meet the EIP and SPR quota for the block/neighbourhood when you submit the resale application.
Special conditions
  • The flat must be bought jointly, i.e. each single SC must be listed as a co-applicant
  • For orphans
    • At least one of your deceased parents must have been an SC or SPR
    • If you are below 35 years old, you must not have another sibling who is below 35 years old buying/owning another flat under the:
      • Orphans Scheme
      • Single Singapore Citizen Scheme
      • Joint Singles Scheme

Eligibility criteria

CriteriaDetails
Citizenship
You must be an SC
Age
If you are 21 years old or above
  • Your spouse must have a valid Long Term Visit Pass or Work Pass at the time you submit your application to buy a resale flat. The pass must have a validity period of at least 6 months from the date of issue.

If you are 35 years old or above

  • Your spouse must have a valid Visit Pass or Work Pass at the time you submit your application to buy a resale flat. The pass need not have a validity period of 6 months from the date of issue.

Note: 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.

Family nucleusYour non-citizen spouse must be listed in the application as an occupier
EIP and SPR quotaYou must meet the EIP and SPR quota for the block/ neighbourhood when you submit the resale application.
 Note: If you have a child from the marriage and the child is a Singapore Citizen or Singapore Permanent Resident, you can buy a flat under the Public Scheme.

Eligibility criteria

CriteriaDetails
CitizenshipYou must be an SC
Age21 years old or above
Family nucleusYou must form a family nucleus with 1 of the following groups:
  • 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 at the time you submit your application to buy a resale flat. The pass must have a validity period of at least 6 months from the date of issue.

Note: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.

EIP and SPR quotaYou must meet the EIP and SPR quota for the block/neighbourhood when you submit the resale application.

Eligibility criteria

CriteriaDetails
CitizenshipYou must:
  • Be an SC
  • Include at least 1 single (i.e.unmarried, divorced, or widowed) SC or SPR sibling as a co-applicant or occupier in your application
Age21 years old or above
EIP and SPR quotaYou must meet the EIP and SPR quota for the block/ neighbourhood when you submit the resale application.
Special conditions
  • At least one of your deceased parents must have been an SC or SPR
  • If you are below 35 years old, you must not have another sibling who is below 35 years old buying/ owning another flat under the:
    • Orphans Scheme
    • Single Singapore Citizen Scheme
    • Joint Singles Scheme

You can buy 2 adjoining 3-room or smaller flats, or buy the 3-room or smaller flat that is adjoined to your currently owned 3-room or smaller flat.

Eligibility criteria

CriteriaDetails
CitizenshipYou must:
  • Be an SC or SPR
  • Include at least 1 listed occupant who is an SC or SPR
Age21 years old or above
Family nucleusYou must form a family nucleus with 1 of the following groups:
  • Your spouse and children (if any)
  • Your parents and siblings (if any)
  • Children under your legal custody, care and control (for widowed/ divorced persons)
EIP and SPR quota
  • Option 1 (Buy 2 adjoining 3-room or smaller flats)
    • You must meet the EIP and SPR quota for the block/neighbourhood when you submit the resale application
  • Option 2 (Buy the 3-room or smaller flat that adjoins your currently owned 3-room or smaller flat)
    • No EIP/ SPR quota restriction

Please note this application procedure when buying an adjoining HDB flat under this scheme.

Eligibility conditions that apply to all schemes

CriteriaDetails
Income ceilingThere is no income ceiling for buying an HDB resale flat. However, you may wish to note that there are income ceilings for CPF Housing Grants and HDB housing loans.
Ownership/ interest in HDB flatsIf you or any persons listed in the application owns an HDB flat, you must dispose of the HDB flat within 6 months of the resale flat purchase.
Ownership/ interest in property in Singapore or overseas other than HDB flatsIf you or any person listed in your resale flat application owns a private property either locally or overseas, you must dispose of all private properties before or within 6 months of the resale flat purchase.

Note: If you own a private property, you are not eligible for a CPF Housing Grant or an HDB housing loan.

You can check your eligibility on the HDB website.

All SPR buyer(s) must meet the three year wait out period; and

a) Where there is only one SPR buyer, at least one SPR essential occupier* forming the requisite family unit with the buyer, needs to meet the three year wait out period.

b) Where there are two or more SPR buyers but they do not form a family unit by themselves, at least one other SPR essential occupier* needs to meet the three year wait out period.

c) Where there is one SC essential occupier* listed, only the SPR buyer(s) needs to meet the three year wait out period.

(Note: * They are the spouse of the buyer or occupier (i.e. parent or child) who is essential to form the requisite family unit with the buyer in order for the buyer to be eligible for the flat purchase.)

Yes. You may buy a resale flat with your spouse if you are a Singapore Citizen and are able to fulfil the eligibility conditions under the Non-Citizen Spouse Scheme.

If your non-resident spouse has obtained Singapore citizenship or Singapore Permanent Resident status or when you have a Singapore Citizen or Singapore Permanent Resident child from the marriage, your family may buy a resale flat under the Public Scheme.

Both of you must meet the 3-year wait out period before you can buy a resale flat in the open market.

Yes. You may buy a resale flat if you are a Singapore Citizen and able to fulfil the eligibility conditions under the Non-Citizen Spouse Scheme or the Non-Citizen Family Scheme.

Yes. Applicants must be Singapore Citizens (SCs) or Singapore Permanent Residents (SPRs). The minimum citizen requirement is two SPRs.

SPR household (i.e. an SPR household with no SC owner) will have to wait 3 years from the date of obtaining SPR status before they can buy a resale flat.

For more information on resale eligibility schemes.

Yes. Applicants must be at least 21 if they buy under the Public Scheme, Fiancé/Fiancée Scheme, Non-Citizen Family Scheme, Orphans Scheme or Non-Citizen Spouse Scheme (if the spouse is holding a long term visit pass or work pass valid for at least 6 months).

Applicants must be at least 35 if they buy under the Single Singapore Citizen Scheme, Joint Singles Scheme or Non-Citizen Spouse Scheme (if the spouse does not hold a long term visit pass or work pass valid for at least 6 months).

For more information on the resale eligibility schemes.

Yes. A single person can buy a resale flat on his/her own if they fulfil the conditions under the Single Singapore Citizen Scheme or the Orphans Scheme. For more information on the resale eligibility schemes.

No. Such a household is treated as a citizen household as there is a Singapore citizen among the buyers to the flat.

Yes. If you are applying for the CPF Housing Grant, your gross monthly household income must not exceed:

 ^For resale applications received on or after 11 Sep 2019. For resale applications received before 11 Sep 2019, income ceiling is $6,000.
 
#For resale applications received on or after 11 Sep 2019. For resale applications received before 11 Sep 2019, income ceiling is $12,000.

No. While there is no income ceiling for buying an HDB resale flat, there are income ceilings for HDB housing loans and all CPF Housing Grants (except the Proximity Housing Grant, which has no income ceiling).

To buy a SERS flat, you must also meet the eligibility conditions to buy a new flat on 99-year lease from the HDB. For eligibility conditions to buy a resale flat which has been announced for the SERS.

HDB will only recognise the records registered with ICA in administration of the EIP. Those with a double-barrelled race who wish to make changes to their race must comply with ICA’s requirements on such changes. Details on the policy and registration procedures can be found on ICA’s website at www.ica.gov.sg.

You may opt to classify your household under your spouse’s or your ethnic group when you purchase a flat. Once the option is made, it is irrevocable. Also, the ethnic classification will remain the same when you subsequently sell the flat on the open market.

Yes. The mobility of residents either from the resale or transfer of flats affects the ethnic composition for a particular neighbourhood and block. Thus, the control on ethnic proportions is updated monthly based on the ethnic composition statistics in each neighbourhood and block.

The SPR Quota is intended to ensure social harmony and cohesion, and prevent the formation of foreigner enclaves. Malaysians are excluded from the quota due to our close historical and cultural links.

Only few neighbourhoods across various towns are affected with the implementation of the SPR Quota. Thus, the non-Malaysian SPRs would still have ample choices when buying homes within public housing estates.

The objective of the SPR Quota is to prevent the formation of immigrant enclaves and facilitate assimilation of immigrants within the HDB estates to promote social harmony. Such objectives are relevant regardless of the nationalities of our immigrants. Furthermore, given the SPRs come from diverse ethnic backgrounds and countries of origin it is not practical to implement a quota along nationality lines.

Compared with the Malay and Chinese, both the Indian and Other races have much smaller population bases.

If Indian and Other races are administered as separate ethnic groups, the respective ethnic limit would be lower than the combined limits for the neighbourhood and block level respectively. Grouping Indians and Other races together thus gives more flexibility to these minority groups in the administration of the EIP.

The SPR Quota is part of the Government’s on-going review of public policies to ensure that SPRs integrate with the local community and prevent the formation of immigrant enclaves.

The SPR quota takes into account the composition of SCs and SPRs in Singapore, and their respective demand for public housing.

In the administration of the EIP, the HDB will use the first race component of the double-barrelled race.  Hence there is no advantage given to applicants of double-barrelled race compared with those of mixed parentage and having a singular race.