FIND OUT IF YOU ARE ELIGIBLE

What are the Eligibility Conditions?

  • Public Scheme
  • Fiancé/Fiancée Scheme
  • Orphans Scheme
  • Joint Singles Scheme
  • You must be a Singapore Citizen
  • At least 1 other applicant must be a Singapore Citizen or Singapore Permanent Resident
  • All singles must be Singapore Citizens if applying under the Joint Singles Scheme
  • At least 21 years old
  • At least 35 years old, if applying under the Joint Singles Scheme

Your Household Income must not exceed the $14,000 Income Ceiling

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

Which Eligibility Scheme do I apply under?

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 (if widowed/divorced#)

#If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application.

No change of people listed in the application

Applications under this scheme are only valid if there are no changes to the people listed in the application. This means that in the case of a break-up, you are not allowed to subsequently include the name(s) of a new fiancé/fiancée or your parents in the application, even if your ex-fiance/fiancée agrees.

If applying for a dual-key EC as a multi-generation family

A multi-generation family is any of the following:

  • Married/engaged couple and parent(s)/grandparent(s)
  • Widowed/divorced with children under legal custody, care and control# and parent(s)/ grandparent(s)

#If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application.

You form a family nucleus with your spouse-to-be.

1. Submission of marriage certificate

Under this scheme, you need to submit a photocopy of your marriage certificate to the developer within 3 months* of collecting your keys to the EC unit.

*Applicable for Option To Purchase granted by property developer on or after 1 May 2018

2. Written parental consent needed if spouse-to-be is 18 years old and above, but below 21

  • That person can only be listed as an essential occupier in the flat application
  • Written consent from that person’s parents/ guardians must be submitted during the EC selection appointment.

3. Special Marriage Licence needed if spouse-to-be is below 18 years old

Following your flat application, you must obtain a Special Marriage Licence from the Ministry of Social and Family Development and submit it to us during the EC selection appointment.

4. No change of people listed in the application

Applications under this scheme are only valid if there are no changes to the people listed. That means that, in a case of break-up, you are not allowed to subsequently include the name(s) of a new Fiancé/Fiancée or your parents in the application, even if your ex-Fiancé/Fiancée agrees.

5. If applying for a dual-key EC as a multi-generation family

A multi-generation family is any of the following:

  • Married/ engaged couple and parents/ grandparents
  • Widowed/divorced with children under legal custody, care and control# and parent(s)/grandparent(s)

#If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application.

You and your siblings (those applying) are orphans and single, i.e. unmarried, divorced, or widowed:

  • All of the siblings that are single must be listed in the same application
  • At least 1 of the deceased parents was a Singapore Citizen or Singapore Permanent Resident

Please note that under the Orphans Scheme, siblings are not allowed to buy or rent flats separately.

You and up to 3 other co-applicants, and all of you are:

  • Single (unmarried, divorced, or widowed)
  • Singapore Citizens
  • At least 35 years old
  • Applying jointly as co-applicants

The CPF Housing Grant for singles is not available when buying an EC.

Am I a First or Second Timer Applicant?

First-timers enjoy privileges and priority in flat allocation.

Yours will be treated as a first-timer application if you and any of the other listed owners and essential occupiers meet the following criteria:

  • Not the owner of a flat bought from HDB, or an EC/ DBSS flat bought from a developer
  • Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
  • Not received any CPF Housing Grant for the purchase of an HDB resale flat
  • Not taken any form of housing subsidy (e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS) or HUDC estate privatisation)

If you are a second timer and your spouse/ spouse-to-be is a first-timer, you will be glad to know that you and your spouse/ spouse-to-be will enjoy first-timer privileges and priority as a couple.

Yours will be treated as a second-timer application if any of the following applies to you or any of the other listed owners and essential occupiers:

  • Have owned or sold any of the following:
    • HDB flat bought from HDB
    • Resale flat bought using a CPF Housing Grant
    • EC/ DBSS flat bought from the developer
  • Once taken some form of housing subsidy (e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation)

Are there any time periods during which I cannot apply for an EC unit?

MOP requirements: current owner/ essential occupier of a flat or an EC unit

Before applying for the new EC unit, you need to check if you or any other flat applicant(s)/ essential occupier(s) to be listed in the EC application own any of these:

  • HDB flat bought from HDB or on the open market
  • EC unit/ DBSS flat bought from the developer

If so, that person must have already met that flat/ EC’s 5-year MOP before he can apply for a new EC unit. An essential occupier must also have met the flat/ EC’s 5-year MOP before he can be listed in a new EC application.

In the case of ECs, you must also wait out a 30-month period from the EC’s effective date of disposal, which we will verify using your Notice of Transfer, or any other such documentation we may require.

In case of a divorce, conditions will apply for the following types of property:

  • Flat bought from HDB
  • Resale flat bought with a CPF Housing Grant
  • DBSS flat/ EC bought from the develop

3-year wait-out period

  • For 3 years from the date of the divorce, only 1 party in the divorce can own any of the above properties
  • If any of the above properties was the matrimonial home and is now owned by your ex-spouse, you must wait for 3 years before you can buy or be listed as an essential occupier in one
  • If the matrimonial home was not one of the above, or if there was no matrimonial home, 1 party can apply for the abovementioned property types. However, the other party must first undertake to not own or be listed as an essential occupier of said properties for 3 years from the date of the divorce

Exception

There is no need for any 3-year wait-out period or undertaking if you are:

  • Buying one of the above properties with your parents and/ or new spouse
  • A parent meeting these conditions:
    • All of your children are aged below 18 at the date of the divorce
    • All the children are under your legal custody and you are the only parent given the care and control of your children

Note:  The 3-year wait-out period will not apply where the Option-to-Purchase (OTP) is granted on or after 6 Mar 2018.

Cancelled an HDB flat application after booking a flat

If you booked a new HDB flat and subsequently cancel your booking, you must wait out a 1-year period from the date of the cancellation before you can apply or be listed as an essential occupier of a

  • New HDB flat
  • DBSS flat/ EC bought from a developer
  • Resale flat bought using a CPF Housing Grant
  • Resale flat announced for SERS

Terminated the Sale and Purchase Agreement for an EC/DBSS flat

If you had previously bought a DBSS flat/ EC using a CPF Housing Grand and subsequently terminated the Sale and Purchase Agreement, you must wait out a 5-year period from the date of the termination before you can apply or be listed as an essential occupier of an EC.

Can I get a new EC if I used to/ still own a HDB, DBSS or EC?

Yes, provided that you only own/ owned 1 of the following units prior to your application:

  • Flat bought from HDB
  • EC/ DBSS flat bought from the developer
  • HDB resale flat bought using a CPF Housing Grant (only applies to first-timer applicants)

In essence, an eligible Singapore Citizen is allowed to buy the above properties twice in total, not twice per type of property.

If you have already bought 2 such properties, you will not be eligible to apply for an EC or be listed as an essential occupier in an application.

Can I get a new EC flat if I own or have an interest in a local/ overseas non-HDB property?

For an EC flat application, all the listed owners and essential occupiers must not own, dispose, or have an estate or interest in any other local or overseas property:

  • Within 30 months before the date of the EC application, and up to the date of taking possession of the EC

The properties considered in this instance include but are not limited to:

  • Privatised HUDC flats
  • Properties acquired by gift
  • Properties inherited as beneficiaries under a will or as a result of the Intestate Succession Act
  • Private property
  • Properties owned, acquired, or disposed through nominees, regardless of properties’ location

Eligibility Criteria

Are you eligible to purchase an EC?
FIND OUT MORE

Online E-Application

Online EC Application Form
GO TO E-APP

Payment Schedule

Financial Calculations & Grants
LEARN MORE