The Housing and Development Board 建屋发展局; Malay: Lembaga Pembangunan dan Perumahan; Tamil: வீடமைப்பு வளர்ச்சிக் கழகம்) is the statutory board of the Ministry of National Development responsible for public housing in Singapore.
HDB flats were built primarily to provide affordable housing for the masses and their purchase can be financially-aided by the Central Provident Fund. Resale HDB flat is an option for those that cannot afford to wait for several years for a new flat, or for the estate to develop the necessary facilities. These flats are at least five years old given the minimum staying period restriction imposed on owners of new HDB flats.
Buyers of Resale HDB should check if they are eligible to the following conditions by HDB;
Family Nucleus
| Eligibility Scheme | Situation |
|---|---|
| Eligibility Scheme | Situation |
| Public Scheme | Buying the resale flat with:
your husband/wife and children (if any) or
|
| Fiancé/Fiancée Scheme | Buying the resale flat with:
your fiancé/fiancée (intending to get married) |
| Single Singapore Citizen Scheme | Buying the resale flat by yourself as either a
Single (must be at least 35 years old.) or
|
| Joint Singles Scheme | Buying the resale flat with a few others (up to a maximum of 4 applicants) as either a
Single(must be at least 35 years old.) or
|
| Non-Citizen Spouse Scheme | If Singaporean Buyer at least 21 years old
Spouse must have a Long Term Visit Pass or Work Pass. The pass must have a validity of at least 6 months and it must be valid at the time of submission of resale application. If you are at least 35 years old
|
| Non-Citizen Family Scheme | Buying the resale flat with: (applicant must be at least 21 years old.)
your family members e.g. parents who are non-citizens At least one non-citizen parent or child must:
|
| Orphans Scheme | Buying the resale flat with: (applicant must be at least 21 years old.)
your single siblings |
| Conversion Scheme | Buying 2 units of resale flats which are:
3-room or smaller resale flats
Buying the resale flat with:
|
Ownership of property
Purchaser must ensure that they do not own residential properties in Singapore or overseas before date of application and the date of taking possession of flat.
Minimum Occupation Period (MOP)
HDB flat owners must have physically occupied their flats for a period of time, referred to as Minimum Occupation Period (MOP), before they are eligible to sell it in the open market. Read more on MOP here.
Ethnic Integration Policy
EIP – Ethnic Integration Policy is to promote racial integration and harmony ad to prevent the formation of racial enclaves. Having a balanced enthnic mix among the various enthnic communities living in public housing estates.
Under this policy, maximum proportions are set for all ethnic groups: Chinese, Malays, and Indian/Others, in each HDB block and neighbourhood. You may check the eligibility of the buyer’s ethnic group in any particular block.
CPF Housing Grant
| Type of CPF Grant | Eligibility | Grant Amount |
|---|---|---|
| Family Grant | Citizenship Singaporean/ SC + SPR
First-timer applicants: Married couples
Average gross monthly household income must not exceed $10,000
Not applicable for applicants of 1-room flat or a resale flat (of any flat type) that has been announced for redevelopment under the Selective Enbloc Redevelopment Scheme (SERS) | CPF Housing Grant for Family : SC Household $30,000
|
| Higher-tier Family Grant | Citizenship Singaporean/ SC + SPR
First-timer applicants: Married couples
Average gross monthly household income must not exceed $10,000 If applying with extended family, average gross monthly household income must not exceed $15,000. | CPF Housing Grant for Family staying near parents: SC Household $40,000
|
| Additional CPF Housing Grant (AHG) | Have applied for:
CPF Housing Grant for Family or
Have worked for at least 1 year and Average monthly household income over the last 1 year does not exceed $5,000 | Grant ranging from $5,000 to $40,000 depends on Average monthly income |
| Singles Grant | For Single Citizens:
Single applicants aged 35 and above who buy the resale flat to live on their own under Single Singapore Citizen (SSC) Scheme, or 2-4 Single Citizens aged 35 and above who jointly buy a resale flat under Joint Singles Scheme (JSS) Orphans Scheme Average Gross Monthly Household Income must not exceed $5,000 and buying a 2-, 3-, 4- or 5-room resale flat under the Single Singapore Citizen Scheme Average Gross Monthly Household Income must not exceed $10,000 when buying a resale flat under the other eligibility schemes | Single Grant $15,000
A single who buys a resale flat with other singles under the Joint-Single Scheme or the Public Scheme may get up to a maximum of two Singles Grants. |
| Higher-tier Singles Grant | Parents must be included in the application as the co-applicants or occupants.
At least one of the parents must be a Singapore Permanent Resident or Singapore Citizen. Average Gross Monthly Household Income must not exceed $5,000 and buying a 2-, 3-, 4- or 5-room resale flat under the Single Singapore Citizen Scheme Average Gross Monthly Household Income must not exceed $10,000 when buying a resale flat under the other eligibility schemes | Higher-tier Singles Grant $20,000
A single who buys a resale flat with other singles under the Joint-Single Scheme or the Public Scheme may get up to a maximum of two Singles Grants. |
| Top-up Grant to the Family Grant | For Singles Grant recipients who subsequently get married
Also applicable for Singles Grant recipients under the Non-Citizen Spouse Scheme whose non-citizen spouse or child subsequently obtained Singapore Citizenship or permanent residence status. Average Gross Monthly Household Income must not exceed $10,000 | The amount of Top-Up Grant is the difference between the prevailing Family Grant (at the date of application for the Top-Up Grant) and the Singles Grant given earlier. |
| Half-Housing Grant | First-timer citizen with spouse who had previously enjoyed a housing subsidy | Half Housing Grant
|
Note: Buyers have to produce proof of edibility upon applicationSource: 20 Sept 2012, from http://www.hdb.gov.sg