Buying a Resale Flat - Eligibility
The eligibility conditions to buy a resale flat are detailed below. In general, there must be at least 1 Singapore Citizen or 2 Singapore Permanent Residents listed in the flat application. To check your eligibility to buy a resale flat, register your Intent to Buy through the HDB Resale Portal. There is no fee for registering, and you will receive an instant assessment on your eligibility to buy an HDB resale flat, for CPF housing grants and HDB housing loan. Eligibility SchemesThe eligibility conditions in the following table apply to all resale flat purchases. Please refer to the individual schemes for information on the following criteria: - Citizenship
- Age
- Family nucleus
- Ethnic Integration Policy (EIP) and SPR quota
- Special conditions
Eligibility conditions that apply to all schemesCriteria | Details |
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Income ceiling | There 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 flats | If 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 flats | If 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. |
1) Public SchemeBuy an HDB resale flat with your family. For example, with your wife and children, parents and siblings, or children (if you are widowed or divorced). 2) Fiancé/Fiancée SchemeBuy an HDB resale flat with your fiancé or fiancée. 3) Single Singapore Citizen SchemeBuy an HDB resale flat as a single. You must be at least 35 years old if you are unmarried or divorced, and at least 21 years old if you are widowed or an orphan. 4) Joint Singles Scheme2 to 4 singles can jointly buy an HDB resale flat. If you are unmarried or divorced, you must be at least 35 years old. If you are widowed or an orphan, you must be at least 21 years old. 5) Non-Citizen Spouse SchemeIf your spouse is a not an SC or SPR, you can buy an HDB resale flat under the Non-Citizen Spouse Scheme. Eligibility criteria 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.
6) Non-Citizen Family SchemeIf you are a single SC and your family members (e.g. parents) are not SCs or SPRs, you can buy an HDB resale flat under the Non-Citizen Family Scheme.
7) Orphans SchemeIf you and your sibling(s) are orphans and single (i.e. unmarried, divorced, or widowed), you can jointly buy an HDB resale flat.
8) Conversion SchemeSubject to approval, the Conversion Scheme allows you and your family to buy adjoining flats that are 3-room or smaller and convert them into 1 unit.
Please call or whatsapp me to find out more. Jay Kumar Hp +65 81807655 Jay@PropNex.com
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Jay Kumar
PropNex Property Agent
PROPNEX REALTY PTE LTD pn_jay@hotmail.com
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