Eligibility to Buy

Note: While there is no income ceiling for buying an HDB resale flat, there are income ceilings for CPF Housing Grants and HDB housing loans.

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

• 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 will have to wait 3 years from the date of obtaining SPR status before they can buy a resale flat

• Spouse and children
• Parents and siblings
• Children under your legal custody, care and control (for widowed/ divorced persons)

• SC or SPR
• SPR household (i.e. a SPR household with no SC owner): All SPR owners and essential occupiers will have to wait 3 years from the date of obtaining SPR status before they can buy a resale flat

• • A co-applicant (if 21 years old or above)
  • An occupant

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

• Register your marriage with the Registry of Civil Marriages or Registry of Muslim Marriages
• Submit your marriage certificate to HDB within 3 months from resale completion date

If applying for CPF Housing Grant

• You must submit your marriage certificate on or before the resale completion date

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 HDB 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)

Widowed or an orphan: 21 years old or above

• 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

Widowed or an orphan: 21 years old or above

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

• Your spouse must have a Long Term Visit Pass or Work Pass. The pass must be valid for at least 6 months and valid 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 Visit Pass or Work Pass. The pass can have a validity period of less than 6 months. However, it must be valid at the time you submit your application to buy a resale flat.

Note: If the Visit Pass or Work Pass expires during the transaction to buy a resale flat, it must be renewed and valid by the time of your resale flat purchase completion date.

• 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. The pass must be valid for at least 6 months and valid at the time you submit your application to buy a resale flat.

Note:If the Visit Pass or Work Pass expires during the transaction to buy a resale flat, it must be renewed and valid by the time of your resale flat purchase completion date.

• Be an SC
• Include at least 1 unmarried SC or SPR sibling as a co-applicant or occupant in your application

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

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

• Your spouse and children (if any)
• Your parents and siblings (if any)
• Children under your legal custody, care and control (for widowed/ divorced persons)

• In line with the EIP and SPR quota, you will need to check that you are within the proportion/ limit for the block/ neighbourhood

Option 2 (Buy the 3-room or smaller flat that adjoins your currently owned 3-room or smaller flat)

• No EIP/ SPR quota restriction

At least 1 Singapore Citizen (SC) is listed as a buyer

At least 1 Malaysian SPR is listed as a buyer, and no SC is listed as a buyer

All of the buyers are non-Malaysian SPRs, i.e. no SCs or Malaysian SPRs listed as buyers