HDB Buyer Eligibility

You or your family nucleus will need to qualify for a new flat under one of the eligibility schemes:

  • Public Scheme
  • Fiancé/Fiancée Scheme
  • Orphans Scheme

You must be at least 21 years old and must be within the set income ceiling for the flat that you intend to buy and at least one of you must be a Singapore Citizen or both of you must be Singapore PR.

As a Singapore PR, you will be eligible to buy a resale flat not a BTO flat; and you need to have been residing in Singapore for at least three years. This condition applies to both your spouse and you.  For example, if you have been in Singapore for 8 years, but your spouse has been in Singapore for only 2 years, you will have to wait another year.

As a single Singaporean PR who is 35 years old is not eligible to buy a HDB flat.

You do not own other property overseas or locally, and 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 those properties/ received 1 CPF Housing Grant thus far

Public Scheme

You form a family nucleus with any of the following:

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

Income Ceiling

You are eligible to buy a 4 room flat or bigger if your average monthly household income does not exceed $12,000 or $18,000 if purchasing with extended or multi-generation family.

You are eligible to buy a 3 room flat if your average monthly household income does not exceed $6,000 or $12,000 for mature estates.