| 1. | APPLICATIONS CONDITIONS AND PROCEDURES
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 | 1.1 | Submission of Application Form
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| | (a) | Applications must be submitted electronically via the HDB InfoWEB for buying a flat under the Build-To-Order System (BTO). A $10 administrative fee is payable by credit card (MasterCard / Visa only). Applicants without Internet access can visit HDB Hub or any of HDB’s Branches to submit their application via the e-Stations or Internet PCs. Applicants who do not own a credit card may come down to the HDB Hub at Toa Payoh to submit an application and pay the administrative fee using their EZ-Link card / NETS FlashPay card.
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| | (b) | The applicant and any family member listed in the application can only submit one application under this BTO exercise. If the applicant or any member listed in the application is listed in more than one application, all the applications will be disqualified.
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| | (c) | Applicants can only apply for one town/estate and flat category.
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| | (d) | Applicants who have earlier booked a flat from HDB or a Design, Build & Sell Scheme (DBSS) flat/ Executive Condominium (EC) directly from the developer but wish to participate in this BTO exercise will have to cancel their booking first, before submitting a new application under this exercise (subject to current eligibility conditions). The usual forfeiture for such cancellation will apply. However, if the booked HDB flat is from a Build-To-Order or Sale of Balance Flats or Re-offer of Balance Flats exercise launched on or after March 2012, the applicants will not be eligible to apply for another flat from HDB within one year after the cancellation of booking of the HDB flat.
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| | (e) | All applicants who have a chance to book a flat based on their balloted queue number will be deemed successful in their flat application.
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| | (f) | Any request for cancellation of application must be submitted and received by HDB within the application period. If the cancellation request is received by HDB after the application period, the cancelled application will still be included in the balloting process and be assigned a queue number, where applicable. If the applicant has a chance to book a flat based on his/ her balloted queue number, the cancelled application will be treated as one successful application.
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| 1.2 | Points to note for First-timer Applicants/Households
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| | (a) | An applicant/household is considered a *First-timer applicant/household(and all others considered Second-timer applicants/households) if the applicant(s) and the other essential family members listed in the Application Form:
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| | | (i) | are currently not the owner(s) of a flat bought direct from HDB, a Design, Build & Sell Scheme (DBSS) flat or an Executive Condominium (EC) Unit bought from the developer; or |
| | | (ii) | have not sold a flat bought direct from HDB, a Design, Build & Sell Scheme (DBSS) flat or an Executive Condominium (EC) Unit bought from the developer; or |
| | | (iii) | have not transferred at market value a flat bought direct from HDB or an HDB resale flat bought under the CPF Housing Grant Scheme; or |
| | | (iv) | have never been a recipient of any CPF Housing Grant for the purchase of an HDB resale flat or a Design, Build & Sell Scheme (DBSS) flat or an Executive Condominium (EC) Unit bought from the developer; or |
| | | (v) | have not sold any HDB flat with re-housing benefits under the Selective En-Bloc Redevelopment Scheme (SERS); or |
| | | (vi) | have never enjoyed other forms of housing subsidy such as enjoyed SERS benefits or privatisation of HUDC estate, or purchased an HDB flat under the Sale of Flats to Sitting Tenants Scheme.
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| | | * For married or fiancé-fiancée couples where one party is a First-timer and the other party is a Second-timer, HDB will exercise flexibility to treat these couples as First-timer households in the balloting process and under the priority schemes. These couples will enjoy the same First-timer privileges listed under 1.2(d) if the couple is made up of at least two Singapore Citizens or one Singapore Citizen and one Singapore Permanent Resident. They are similarly subject to the terms mentioned in 1.2(b), 1.2(c) and 1.2(d).
The above is not applicable to the couples who had remarried or are remarrying each other after their divorce.
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| | (b) | First-timer applicants/households will be given more chances over the Second-timer applicants/households in the balloting, subject to the prevailing policy on ethnic ratios and quota of flats available for booking.
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| | (c) | First-timer applicants who have a chance to book a flat based on their balloted queue number will be deemed successful in their flat application and all the additional chances accumulated from previous unsuccessful applications, if any, are considered to have been used up (reset to zero). HDB will allow these applicants a maximum of two (2) successful attempts to book a flat. First-timer applicants who do not book a flat after two (2) successful attempts will no longer be able to enjoy the privileges given to First-timers when they participate in any HDB sales exercises, for a period of one year.
During the one year period, if the First-timer applicant continues to turn down another two (2) chances to book a flat, he/she will continue to have his/her First-timer privileges removed for a further period of one year.
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| | (d) | First-timer applicants whose First-timer privileges are removed in 1.2(c) above, will no longer enjoy the following when they apply for a flat in any HDB sales exercise within the said one year period (including the extended period mentioned in 1.2(c)):
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| | | (i) | 2 chances in the ballot for a First-timer applicant; |
| | | (ii) | Additional chances for subsequent applications for First-timer applicants who do not have a chance to book a flat in more than 2 attempts [applicable to BTO flats in non-mature estates only]; |
| | | (iii) | Higher proportion of flats set aside for First-timer households who apply under the Married Child Priority Scheme; |
| | | (iv) | Higher proportion of flats set aside for First-timer households; as indicated below:
 Household Type | Proportion of Flats Set Aside for Households |
2-room Flexi flats in non-mature estates
(for BTO) | 2-room Flexi flats in non-mature estates
(for Sale of Balance Flats) | 3-room BTO flats in non-mature estates | 4-room and bigger BTO flats in mature estates | BTO flats in mature estates, Sale of Balance Flats and Re-offer of Balance Flats |
First-timer Families | 20% | 90% | 70% | 85% | 95% |
Second-timer Families | 30% | 5% | 30% | 15% | 5% |
First-timer Singles | 50% | 5% | - | - | - |
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| | | (v) | Parenthood Priority Scheme
(Please see clause 1.3 for more information on the Parenthood Priority Scheme)
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| 1.3 | Applications under the Parenthood Priority Scheme
(For First-timer households only)
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| | To qualify for the Parenthood Priority Scheme (PPS), a First-timer household must meet the following conditions:-
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| | (a) | (i) | Applicants must include a Singapore citizen child (natural offspring from lawful marriages or legally adopted) below the age of 16 at the time of flat application; or |
| | | (ii) | who are expecting a Singapore citizen child and wish to apply for the PPS have to indicate their request under “Parenthood Priority Scheme” and declare the details of the expectant mother in the Application Form;
[Note: During the flat selection, the expectant mother who is applying under the PPS has to provide (i) a doctor certification of the pregnancy and undertake to produce the child’s birth certificate within six months from birth or (ii) birth certificate of the citizen child (where child is already delivered by the booking of the flat) before she can proceed to book a unit.]
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| | (b) | Applicants and occupiers listed in the Application Form must form a family nucleus; and |
| | (c) | Applicants and occupiers listed in the Application Form must meet all other eligibility conditions in buying an HDB flat.(Please see clause 2.1 for more information on family nucleus.)
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| | Under the PPS, HDB will set aside up to 30% of the total flat supply set aside for public applicants.
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| 1.4 | Points to note for Second-timer Applicants
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| | (a) | Second-timer applicants who have a chance to book a flat based on their balloted queue number will be deemed successful in their flat application. |
| | (b) | Second-timer applicants who do not book a flat after two (2) successful attempts will not be allowed to participate in any HDB sales exercises, for a period of one year. |
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| 1.5 | Documents to Submit
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| | Applicants must submit the following documents of all persons listed in the Application Form for verification and registration of the application when requested by HDB:
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| | (a) | Copy of Identity Cards of ALL persons (including occupiers) listed in the application. Any person(s) listed in the listed the application who is in the service of SAF/Civil Defence/Police Force is required to obtain a certified true copy of his/her Singapore pink/blue identity card from their Personnel Department for submission to HDB on the appointed date. |
| | (b) | Copy of Birth Certificates : for proof of relationship |
| | (c) | Copy of Passport for Non-Citizens to verify residential status in Singapore |
| | (d) | Income Documents :
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| (i) | Employed Persons |
| (1) | Latest 3 months’ payslips i.e. month of application and preceding 2 months; or |
| (2) | Latest income letter from employer (which must bear either the company’s letterhead or stamp and the name and designation of the signatory) stating the gross monthly income of the employed person for the month of application and the preceding 2 months.
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| (ii) | Self-Employed Persons |
| (1) | Latest Notice Of Assessment (NOA) from IRAS; or |
| (2) | Certified Annual Statement of Accounts from an Audit Firm; and |
| (3) | Valid Accounting & Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) / Valid license of business / trade; and |
| (4) | Statutory Declaration* to declare the average gross monthly income for the past 12 months, i.e. month of application and preceding 11 months.
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| (iii) | Commission-based Persons |
| (1) | Latest 12 months' commission statements/ payslips, i.e. month of application and preceding 11 months; or |
| (2) | Recent letter from employer stating latest 12 months' commission income/ salaries (which must bear either the company's letterhead or stamp and the name and designation of the signatory), i.e. month of application and preceding 11 months.
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| (iv) | Part-time Worker |
| (1) | Monthly-rated part-time employee with fixed monthly salary must submit a letter from employer stating his/her permanent staff status and the latest 12 months' salary received (which must bear either the company’s letterhead or stamp and the name and designation of the signatory), i.e. month of application and preceding 11 months. |
| (2) | Hourly-rated part-time employee with variable salary must submit the latest 12 months' payslips or Letter from employer stating latest 12 months salary (which must bear either the company’s letterhead or stamp and the name and designation of the signatory), i.e. month of application and preceding 11 months.
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| (v) | Odd-Job Worker |
| (1) | Latest Notice Of Assessment (NOA) from IRAS; or |
| (2) | Recent letter from employer stating latest 12 months salary received, i.e. month of application and preceding 11 months.
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| (vi) | Unemployed Persons |
| Statutory Declaration* to declare the employment status, i.e. period of unemployment / employment (where applicable).
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| Note: |
| • | Applicable to applicants and occupiers between 18 and 62 years old who are unemployed. |
| • | If the applicants and occupiers are unemployed for fewer than 3 months, the average income will be computed based on the number of actual months he/she has worked. |
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*Statutory Declaration may be affirmed/declared at the Sales Office at HDB Hub or at any HDB Branch. If the applicant is overseas, the applicant can make the Statutory Declaration before a Notary Public if the applicant is in the United Kingdom or any part of the Commonwealth; or before a consul or vice consul if the applicant is in any place that is not part of the Commonwealth.
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| (vii) | Retired with Pension |
| (1) | Latest 3 months’ payslips i.e. month of application and preceding 2 months from previous employer stating monthly pension received;
Or
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| (2) | Latest income letter from previous employer (which must bear either the company’s letterhead or stamp and the name and designation of the signatory) stating the monthly pension received for the month of application and the preceding 2 months. |
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| | (e) | Copy of Student Pass or Letter from School/College/Institute of Learning for persons who are 18 years old and above: to confirm student status. |
| | (f) | Copy of Marriage Certificate / Deed of Separation / Divorce Documents (if applicable): to verify marital status. |
| | (g) | Copy of Death Certificate of spouse (if applicable): to verify demise of spouse. |
| | (h) | For undischarged bankrupt
Consent letter from Official Assignee if you intend to buy a flat:-
| (i) | a flat bigger than 5-room or 3Gen flat; or |
| (ii) | with selling price of $500,000 or more (including premium/resale levy and cost of the components opted under the Optional Component Scheme, where applicable). |
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Note: HDB shall have the right to rely on its own records and/or the records of any other relevant authorities to obtain or verify any information relating to or in connection with the application. In this regard, HDB also reserves the right to write to and request information from all the applicants.
The applicant must produce the original documents whenever required. He/ She must also submit any other documents requested by HDB. HDB has the right to cancel/not register the application if the applicant fails to submit the above or any other documents as required.
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| 1.6 | Correspondence Address for Application
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| | The applicant(s) must indicate their correspondence address in the Application Form and inform the HDB Sales Office if there are any subsequent changes.
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| 2 | ELIGIBILITY CONDITIONS
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| 2.1 | Eligible Family Nucleus for 3-room/4-room and 5-room flat
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| | The applicant and occupiers in the Application Form must form a family nucleus comprising any of the following:
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| | (a) | Applicant and his/ her spouse and children, if any (natural offspring from lawful marriages or legally adopted);
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| | (b) | Applicant (single) and both his/ her parents; and siblings (if any);
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| | (c) | Applicant (widowed or divorced) and children under his/ her legal custody, care and control;
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| | (d) | Applicant (single) and his/ her siblings, if parents are deceased (one of the deceased parents must be a Singapore Citizen or Singapore Permanent Resident and a copy of the Death Certificates of the parents must be submitted for verification) ; or
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| | (e) | Applicant and fiance/fiancee. Both of them must be unmarried, widowed or divorced (with Decree Nisi Absolute/Interim Judgment Final granted/Divorce Certificate) at the time of application.
If the fiancé/fiancée couple have booked a flat that is completed, they must produce their Marriage Certificate for inspection by HDB within 3 months after taking possession of the flat.
If the fiancé/fiancée couple have booked a flat that is under construction, they must produce their Marriage Certificate for inspection by HDB by the *Delivery Possession Date (DPD) or within 3 months after taking possession of the new HDB flat, whichever is later.
If either fiance/fiancee is below 21 but 18 years old and above, the written consent of parents or guardians must be submitted with the application. For applicant and fiance/fiancee who have applied and are eligible for the Additional CPF Housing Grant, they must submit a copy of their marriage certificate for inspection by HDB on or before the date of taking possession of the flat.
*Delivery Possession Date (DPD) is the date by which HDB is required under the Agreement for Lease to deliver possession of the flat.
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| 2.2 | Eligible Family Nucleus for 3Gen flat (If Offered) |
| | To apply for a 3Gen flat, the applicants and occupiers must form a multi-generation family comprising any of the following :
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| | (a) | *Applicant, his/ her spouse and children, if any (natural offspring from lawful marriages or legally adopted) and their parents/married child(ren), where at least one of the parents/married child(ren) is a Singapore Citizen or an Singapore Permanent Resident; |
| | (b) | Applicant (widowed or divorced) and children under his/ her legal custody, care and control and his/ her parents/married child(ren), where at least one of the parents/married child(ren) is a Singapore Citizen or an Singapore Permanent Resident.
*Applicable to Fiance/Fiancee applicants who meet the conditions mentioned in clause 2.1(e). |
| | (c) | For applicants who are booking a 3Gen flat, their parents/married child(ren) must be present during the flat selection appointment to sign a 3Gen undertaking. |
| | | Read more about the conditions after purchase of a 3Gen
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| 2.3 | Citizenship Requirement
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| | Each family nucleus must comprise at least two Singapore Citizens (SC/SC) or one Singapore Citizen and one Singapore Permanent Resident (SC/SPR). Applicant 1 must be a Singapore Citizen. The other applicant(s) and essential occupier(s) can be Singapore Citizens or Singapore Permanent Residents.
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| 2.4 | Payment of $10,000 Premium
(For First-timer Singapore Citizen / Singapore Permanent Resident (SC/SPR) households only)
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| | (a) | Definition of SC/SC & SC/SPR household
A SC/SC household is one in which the applicant is a SC and the spouse, child or parents listed in the flat application is also a SC.
A SC/SPR household is one in which the applicant is a SC and the other family members listed in the flat application are SPRs.
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| | (b) | Payment of $10,000 Premium
First-timer SC/SPR households must pay a $10,000 premium on top of the purchase price of the new HDB flat.
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| | (c) | Conversion to SC/SC household
A SC/SPR household who had paid the premium in 2.4(b) above and have not taken possession/will be taking possession of the new HDB flat, can request to be converted to a SC/SC household when:-
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| | | (i) | the SPR spouse who is the co-applicant/co-owner/occupier originally listed in the flat application subsequently becomes a SC, or
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| | | (ii) | a SC child is born to the SC applicant/owner and SPR spouse originally listed in the flat application, or
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| | | (iii) | the SPR parents/child/sibling# originally listed in the flat application subsequently becomes a SC.
(# conversion of sibling to SC to qualify for the Citizen Top-Up applies only to flats purchased under the Orphans Scheme, Citizen/SPR Siblings Scheme and Non-Citizen Spouse Scheme.)
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| | | Application for the conversion to SC/SC household can be made at any time before taking possession of the new flat.
Upon conversion to SC/SC household, an amount of $10,000 will be deducted from the purchase price of the flat (inclusive of the premium) and the same will be adjusted accordingly.
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| 2.5 | Age
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| | All applicants must be at least 21 years old at the time of application.
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| 2.6 | Income Ceiling
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| | (a) | Application to buy a 3-room flat (If Offered)
The total gross income of all persons listed in the Application Form must not exceed $6,000/- or $12,000/- per month at the time of application, depending on the project.
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| | (b) | Application to buy a 4-room/ 5-room flat/3Gen flat (If Offered)
The total average gross income of all persons listed in the Application Form must not exceed $12,000/- per month at the time of application.
For applications that are made up of multi-generation families, the average gross monthly household income for the extended families must not exceed $18,000/- per month at the time of application. In addition, the total gross income of each family should not exceed $12,000 per month at the time of application.
Read more about calculation of income ceiling for extended family under "What is the $18,000 extended/multi-generation family income ceiling? How do I work it out?"
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| 2.7 | Financing
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| | On or before the exercise of the Option to Purchase, the applicants must have : |
| | (a) | a valid HDB Loan Eligibility Letter if they are taking an HDB loan to finance the purchase of the flat; or
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| | (b) | a valid Letter of Offer from a bank/financial institution if they are financing the purchase of the flat with a loan from the bank/financial institution; or
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| | (c) | documentary proof acceptable to HDB that the applicants have the financial means to buy the flat without an HDB loan or a loan from a bank/financial institution if they will not be taking a mortgage loan to finance the purchase of the flat.
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| 2.8 | Ownership / Interest in Property
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| | A person is not eligible to buy an HDB flat if the person, his/ her spouse, any occupiers listed in the Application Form or their spouses:
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| | (a) | is the owner of any other flat, house, building or land* or has an estate or interest therein; or
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| | (b) | has at any time within 30 months before the date of applying to buy an HDB flat, or between the date of the application and the date of completion of the purchase, disposed of any flat, house, building or land*, or any interest therein.
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| | *Includes but not limited to HUDC flats and Executive Condominiums, properties acquired by gift / inheritance, private properties, properties outside Singapore and properties owned / acquired / disposed through nominees.
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| 2.9 | Payment of Premium / Levy
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| | The applicant or spouse listed in this application must pay any premium or levy and interest due to HDB before they can buy or take possession of the new HDB flat. If the premium or levy or any part thereof remains unpaid, the applicant/spouse acknowledge that this shall constitute a debt due to HDB.
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| 2.10 | Time Bar
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| | (a) | Existing Owner or Ex-owner of a Flat/ Executive Condominium (EC)
An applicant, his/ her spouse or essential occupier listed in the application who is an existing owner or ex-owner of a flat bought directly from HDB, or a resale flat bought under the CPF Housing Grant Scheme or Design Build and Sell Scheme (DBSS) flat / Executive Condominium (EC)* bought from the developer, may apply to buy an HDB flat on condition that a 5-year period (excluding any period of subletting of the whole flat) has lapsed from the date of taking possession of that flat/ EC to the date of this application.
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| | (b) | Essential occupier of an Existing HDB flat/ Executive Condominium (EC)
Any person currently listed as an essential occupier of an existing HDB flat bought directly from HDB, or a resale flat bought under the CPF Housing Grant Scheme or DBSS flat / Executive Condominium (EC)* bought from the developer, may apply to buy an HDB flat or be listed as an occupier only if he/ she has stayed in the existing flat/ EC for 5 years from the date of taking possession of the existing flat/ EC to the date of this application.
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| | (c) | Cancellation of flat booked from March 2012 Sales Exercise onwards
Applicants and the essential occupiers of a cancelled application (relating to a flat booked from a Build-To-Order or Sale of Balance Flats or Re-offer of Balance Flats exercise launched on or after March 2012) will not be eligible to apply to buy another flat from HDB within one year after the cancellation.
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| | (d) | One-year wait out period for applicants who do not select
Second-timer applicants who do not book a flat after two (2) successful applications will not be allowed to participate in any HDB sales exercises, for a period of one year.
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| | (e) | Divorcees
Within three years from the date of the finalised divorce, only one party in the divorce can own one of the following housing units:
| (i) | A flat bought directly from the HDB; |
| (ii) | A resale flat bought from resale market under the CPF Housing Grant Scheme. |
| (iii) | A DBSS flat or EC bought directly from a private developer;
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If there is/was an existing matrimonial home, and it is one of the above housing units stipulated in clause which is either 2.10(e)(i) or 2.10(e)(ii) or 2.10(e)(iii), and that home is retained by one ex-spouse, the other divorced person (hereinafter called “the divorced person”) may only apply to buy an HDB flat or be listed as an occupier after a 3-year period has lapsed from the date of finalisation of divorce to the date of this application.
The divorced person may however, apply with his/her parents or new spouse or be listed as an occupier in their application to buy an HDB flat within the 3-year period.
If there is no matrimonial home or the matrimonial home was bought from the resale market without any CPF Housing Grant, the divorced person may apply to buy an HDB flat or be listed as an occupier after obtaining the ex-spouse’s consent not to own or be listed as an essential occupier in any of the above housing units stipulated in clause 2.10(e)(i) or 2.10(e)(ii) or 2.10(e)(iii) within the 3-year period from the date of the finalised divorce.
The requirement to seek ex-spouse's consent is waived if the divorced person is applying with his/her parents or new spouse or be listed as an occupier in their application to buy an HDB flat within the 3-year period.
The requirement to seek ex-spouse's consent during the 3-year period is also waived if the divorced person meets the following conditions:
- All the children are below the age of 18 at the date of divorce; and
- He/she has the legal custody, care and control of all the children.
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- An essential occupier is one who forms a family nucleus with the applicant to qualify for a flat from HDB.
- * For ex-owner/ex-essential occupier of an EC, the applicants and all essential occupiers have to further meet a 30-month period from the effective date of disposal (i.e. date of legal completion of the sale of the Executive Condominium, evidenced by the Notice of Transfer or other documentary evidence as HDB may require) of the EC before the date of applying to buy an HDB flat.
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| 2.11 | | Owners or Ex-owners of flats/ DBSS flats/ Executive Condominium (EC) units
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| | | Each eligible household can buy the following housing unit only twice:
• A flat from the HDB;
• A resale flat with the CPF Housing Grant*;
• A DBSS flat from the developer;
• An EC unit from the developer.
*Applicable to first-timer applicants only.
A person who has already bought two of the above housing units will not be eligible to apply or be listed in the application as an essential occupier to buy another flat directly from HDB.
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| 3. | OTHER CONDITIONS
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| 3.1 | Non-Deletion of Essential Occupier
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| | Any person listed as an essential occupier in the application must continue to be listed in the application and must physically and continuously occupy the new flat for a period of 5 years from the date of taking possession of the new flat. An essential occupier is one who forms a family nucleus with the applicant to qualify for a flat from HDB.
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| 3.2 | Change of Applicant / Occupier
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| | Any request for change or deletion of applicants / occupiers listed in the application is subject to HDB's approval. If the existing applicants/occupiers become ineligible to continue with the application to purchase the flat, HDB will cancel the application and all monies paid will be forfeited.
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| 3.3 | Outstanding Debts Owing to HDB
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| | If there are any outstanding debts or monies owing to HDB by any person listed in the Application Form, the applicant must settle such debts and pay an administrative charge as determined by HDB, before he/ she can buy or take possession of the new flat.
Where an applicant or occupier listed in the Application is required to pay HDB a cash sum arising from the forfeiture of the registration deposit, under a previous application under the Fiance/Fiancee Scheme or otherwise, he/ she must pay such cash sum and interest thereon as may be determined by HDB before his/ her application can be considered.
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| 3.4 | Debarment
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| | A person who has been debarred from buying a flat from HDB under any of HDB’s or the Government’s rules, regulations or policies will not be eligible to buy an HDB flat or be listed as an occupier in an application for an HDB flat.
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| 3.5 | Ethnic Classification
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| | The application and booking of a flat will be subject to the Ethnic Integration. Each application is classified based on the head of household regardless of whether the person is listed as the main applicant, co-applicant or proposed occupier. In an application made by a couple of the same ethnic group, the application will be based on their ethnic group. For couples of different ethnic groups, they can request to classify their household under either ethnic group and the option made is final and irrevocable.
For applicants with double-barrelled race listed in their Identity Cards, only the first ethnic group of a double-barrelled race will be considered. For example, if an applicant has a double-barrelled race of “Indian-Chinese”, only “Indian” will be used in HDB’s ethnic classification process. This ensures the same treatment for applicants with a singular or double-barrelled race.
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| 4. | PRIORITY/ ASSISTANCE SCHEMES
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| 4.1 | Important Notes
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| | Applicants may wish to apply for an HDB flat under one of the following Priority or Assistance schemes, i.e. the Tenants’ Priority Scheme; the Third Child Priority Scheme; the Married Child Priority Scheme; Multi-Generation Priority Scheme or the Assistance Scheme for Second-timers (Divorced/Widowed Parents). The conditions for the Priority/ Assistance Schemes (known as the 'Conditions of the Scheme') shall be in addition to all of HDB's conditions of purchase and sale under the Build-To-Order System (BTO). In the event of any inconsistency between the Conditions of the Scheme and the General Conditions For Purchase Of A Flat Under Build-To-Order System (BTO), the Conditions of the Scheme shall prevail.
Each applicant is allowed to apply for a flat under only one of the Priority/ Assistance Schemes and will be given priority allocation in accordance with the HDB’s prevailing policies.
In the event of death, divorce or separation of any person listed in the application after approval of the application under any of the Priority/ Assistance Schemes, the applicant must produce the relevant documents (e.g. Death Certificate, divorce documents, Deed of Separation) to HDB for verification within 14 days from the date of the demise, divorce or separation respectively.
If an applicant is or becomes ineligible to buy an HDB flat under any of the Priority/ Assistance Schemes, his/ her application will be cancelled and all monies paid will be forfeited.
If the applicant breaches any of the conditions of the Priority/ Assistance Schemes or makes any false declaration / misrepresentation under any of these Schemes for the purchase of an HDB flat under these schemes, the application will be cancelled and all monies paid towards the application will be forfeited. If he/ she has already taken possession of the HDB flat, HDB will compulsorily acquire or determine the Lease of the HDB flat and all monies paid towards the flat will be forfeited.
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| 4.2 | Tenants' Priority Scheme
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|  | Priority allocation under the Tenants’ Priority Scheme is restricted to the purchase of a 3-room flat only, if offered. To be eligible for the scheme, the applicant(s) must meet the following conditions:
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| | (a) | Must be a First-timer or Second-timer who is currently an HDB rental tenant; and
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| | (b) | Must have a family nucleus; and
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| | (c) | Must have stayed in the existing HDB rental flat for a minimum of 2 years as at the date of this flat application; and
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| | (d) | Total average gross income does not exceed $6,000 or $12,000 per month at the time of application for purchase of a 3-room flat, depending on the project.
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| 4.3 | Third Child Priority Scheme
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| | (a) | Each family must have at least 3 children (natural offsprings from lawful marriages or legally adopted) and comply with the following conditions:-
(i) The third child must be a Singapore Citizen born on or after 1 Jan 1987, and the other children must be Singapore Citizens or Singapore Permanent Residents. All the children qualifying for the Scheme must be listed in the application ; and
(ii) At least one of the parents must be a Singapore Citizen. Where one of the parents is deceased, the remaining parent must be a Singapore Citizen.
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| | (b) | Each family is only allowed to enjoy the benefit of the Third Child Priority Scheme to buy/sell a flat once. |
| | (c) | Each applicant will be given priority allocation in accordance with HDB’s prevailing policies, rules and regulations. |
| | (d) | An applicant will become ineligible to buy an HDB flat under this Scheme if the composition of the 3-child family as listed in his/ her application changes by reason of death or divorce or separation or for any other reasons at any time whatsoever. |
| | (e) | If an applicant is or becomes ineligible to buy an HDB flat under this Scheme, his/ her application shall be cancelled at the discretion of HDB and all monies paid by him shall be forfeited by HDB. |
| | (f) | If the applicant breaches any of the Terms and Conditions of this Scheme or makes any false declaration/misrepresentation for the purchase of an HDB flat under this Scheme, his/ her application will be cancelled and all monies paid towards the application will be forfeited by HDB or if he has taken possession of the HDB flat, HDB will compulsorily acquire or determine the Lease of the HDB flat and forfeit all monies paid towards the flat. |
| | (g) | Birth Certificates (photocopy) of the children must be submitted together with the application. |
| | (h) | Applicants must comply with all other Terms and Conditions as may be imposed from time to time under this Scheme.
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| 4.4 | *Married Child Priority Scheme
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| | Married Applicants who include their parents/married child(ren) in the application to stay with them or wish to stay near their parents/married child(ren) can apply for the Married Child Priority Scheme (MCPS) if they meet the eligibility conditions. Among the MCPS applicants, the following group of MCPS applicants will enjoy first priority over other MCPS applicants:-
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| | • | applicants who have included their parents/married child(ren) in the application; and
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| | • | parents who are currently owners of a flat in mature estates and are applying for a BTO flat in non-mature estates to live near their married children.
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| | To be eligible for the MCPS, applicants must meet the following conditions:-
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| | (a) | Married Applicants Staying with Parents/Married Child(ren) within the 5-year occupation period |
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| (i) | Successful applicants must ensure that before they take possession of the new flat and for a period of 5 years from the date of taking possession of the new flat, their parents/married child(ren):-
- are not deleted as the owner/occupier of the new flat and must physically and continuously occupy the same new flat;
- do not to submit any application or be included as occupiers in any application to buy a flat directly from the HDB or a resale flat or a Design, Build and Sell Scheme (DBSS) flat or an Executive Condominium unit;
- do not to rent an HDB flat (including DBSS flat)
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| (ii) | An applicant or occupier listed in the application who is an owner of an existing HDB flat (including Design, Build & Sell Scheme (DBSS) flat), must dispose/relinquish his/ her interest in the existing flat within 6 months from the date of taking possession of the new flat. The disposal or relinquishment of interest is subject to HDB's approval and prevailing policies, rules and regulations.
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| (iii) | Applicants or occupiers who are existing tenants of an HDB rental flat must terminate the tenancy and surrender vacant possession of the rental flat to HDB within 4 months from the date of taking possession of the new flat. |
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| | (b) | Married Applicants Staying Near Parents/ Married Child(ren)
| (i) | Applicants must apply for a flat located in the same town as their parents’ or married child’s flat, and their parents or married child must be owners or registered occupiers of an HDB flat in the same town or registered tenants or occupiers of an HDB rental flat in the same town; or
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| (ii) | Applicants’ parents' or married child's current housing block is within 2 km from any of the blocks (offered in this BTO exercise) in the town/estate they are applying for, and their parents or married child must be owners or registered occupiers of the HDB flat or registered tenants or occupiers of the HDB rental flat; or
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| (iii) | Applicants’ parents or married child are the owners of an owner-occupied private property that is located in the same town, or within 2 km from any of the blocks (offered in this BTO exercise) in the town/estate they are applying for.
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| (iv) | Successful applicants under 4.4(b)(i) or 4.4(b)(ii) or 4.4(b)(iii) must ensure that before they take possession of the new flat and for a period of 5 years from the date of taking possession of the new flat, their parents/married child(ren):-
- continue to reside in the same flat/private residential property or same town or within 2 km from any of the blocks (offered in this BTO exercise) in the town/estate they are applying for;
- do not to submit any application or be included as occupiers in any application to buy a flat directly from the HDB or a resale flat or a Design, Build and Sell Scheme (DBSS) flat or an Executive Condominium unit, outside the existing town/estate or more than 2 kilometres of the new flat;
- do not to take over the lease or tenancy of a flat (including DBSS flat) or an Executive Condominium, outside the existing town/estate or more than 2 kilometres of the new flat;
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| | (c) | Applicants must indicate their request under “Request For Married Child Priority Scheme” in the Application Form. Parents/married child(ren) who are non-citizens or who are on visit pass/visa to Singapore are not eligible to qualify for the Scheme.
Parents/married child(ren) must be present during the flat selection appointment to sign a MCPS undertaking.
* Applicants under the Fiance/Fiancee Scheme may also request their application to be processed under this Priority Scheme if they are applying to stay near/with their parents.
For the purpose of determining whether the applicant meets the above criteria, HDB will rely solely on its records and/or the records of other relevant authorities as it deems fit. HDB reserves the right to reject as evidence, any form of private tenancy agreements or contracts made by or with the applicant's parents/married child(ren) and any other party, including receipts for rents paid by the applicant's parents/married child(ren).
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| 4.5 | *Multi-Generation Priority Scheme (If Offered)
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| | (a) | Applicants who wish to buy a flat under the Multi-Generation Priority Scheme (MGPS) must submit a combined application to buy a 2-room Flexi/ 3-room flat and a 2-room Flexi/ 3-room/ 4-room/ 5-room flat.
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| | | The application for the 2-room Flexi/ 3-room flat must be submitted by the parent/s of the married child (hereinafter called the "Parent Application") while the 2-room Flexi/ 3-room /4-room /5-room flat application must be submitted by the *married child (hereinafter called the “Married Child Application”). There must be a proven parent-child relationship between the Parents and the Married Child and they must be applicants of their respective applications.
*Applicable to Fiance/Fiancee applicants
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| | (b) | Under the MGPS, both Parent/s and Married Child can only book a 2-room Flexi/ 3-room flat and a 2-room Flexi/ 3-room/ 4-room/ 5-room flat respectively within the same BTO contract. All units under the MGPS are pre-identified and specified by HDB. The pre-identification of units under the MGPS are also limited to quotas as may be determined by HDB from time to time.
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| | (c) | The Parent/s and Married Child applicants must remain eligible to purchase the 2-room Flexi/ 3-room flat and 2-room Flexi/ 3-room/ 4-room/ 5-room flat respectively at all times under the MGPS and HDB’s prevailing policies.
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| | (d) | Documentary proof of the relationship between the Parent/s and Married Child(ren) [e.g. photocopy of marriage certificate of parents and birth certificate(s) and marriage certificate(s) of married child(ren)] must be submitted during the booking of the units.
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| | (e) | Selection of a 2-room Flexi/ 3-room flat and a 2-room Flexi/ 3-room/ 4-room/ 5-room flat by the Parent/s and Married Child applicants under the MGPS is subjected to the maximum number of 2-room Flexi/ 3-room flats and 2-room Flexi/ 3-room/ 4-room/ 5-room flats allowed under HDB’s approved ethnic ratios. Both the Parent Application and Married Child Application will be cancelled if either application's ethnic group is filled.
If the Parent/s or the Married Child applicants fail to book a 2-room Flexi/ 3-room flat and 2-room Flexi/ 3-room / 4-room/ 5-room flat respectively when their turn is due, both the Parent Application and Married Child Application under the MGPS will be cancelled. However, the respective application can continue under the Public Scheme, if eligible.
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| | (f) | The Parent/s and Married Child applicants shall become ineligible under the MGPS if:- |
| | | (i) | either the Parent/s or the Married Child applicants fail, refuse or become ineligible to book a 2-room Flexi/ 3-room flat (Parent Application) or 2-room Flexi/ 3-room/ 4-room/ 5-room flat (Married Child Application) respectively during the selection exercise or fail or refuse to exercise the Option to Purchase.
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| | | (ii) | the Parent Application or Married Child Application is withdrawn or if the HDB cancels the Parent Application or Married Child Application for any reason whatsoever.
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| | | (iii) | the parent(s) passes away or the Married Child's family breaks up by reason of death, divorce or separation or due to any other reason at any time such that the remaining applicant(s) in the Parent Application or Married Child Application is not eligible to proceed with the application for the purchase of the 2-room Flexi/ 3-room flat or 2-room Flexi/ 3-room/ 4-room/ 5-room flat under HDB’s prevailing policies.
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| | (g) | If the Parent/s or Married Child applicants become ineligible to buy or retain the 2-room Flexi/ 3-room flat (Parent Application) or the 2-room Flexi/ 3-room/ 4-room/ 5-room flat (Married Child Application) under the MGPS and HDB's prevailing policies/conditions in force from time to time, both applications shall be cancelled at the sole discretion of HDB and all monies paid will be forfeited.
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| | (h) | The Parent/s and Married Child applicants are required to sign the Agreement for Lease and make the required downpayment for their respective units at the same time. If either the Parent/s or the Married Child applicants do not proceed with the signing of the Agreement for Lease and make payment, both applications will be cancelled and the option fees will be forfeited.
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| | (i) | The Parent/s or Married Child applicants will be required to collect the keys and take possession of their respective units and pay up the balance purchase price upon receipt of HDB’s written notice to do so. If the Parent/s or Married Child applicants fail or refuse to do so, both the Parent/s and Married Child Applications will be cancelled.
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| | (j) | Following the key collection by one party, the remaining Parent/s or Married Child applicants waiting for key collection shall continue to remain eligible to purchase the 2-room Flexi/ 3-room flat or 2-room Flexi/ 3-room/ 4-room/ 5-room flat at all times, and collect the keys and pay up the balance purchase price upon receipt of HDB’s written notice to do so. Otherwise , their application will be cancelled.
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| | (k) | Upon the cancellation of the application, a sum equivalent to 5% of the purchase price of the 2-room Flexi/3-room flat and the 2-room Flexi/3-room/4-room/5-room flat or such other amount as may be determined by HDB from time to time will be forfeited.
For the Parent/s or Married Child applicants who had earlier collected the keys and taken possession of their unit, they shall be required to surrender their unit to HDB and HDB will pay them, at its absolute discretion, a compensation based on the prevailing compensation policy.
In addition, a 5-year debarment , which starts from the date of key collection of the unit, will also be imposed on applicants and essential occupiers who are required by HDB to surrender their unit under the MGPS.
During the 5-year debarment period, the applicants and their essential occupiers are not allowed to submit any application or be included as essential occupiers in any application for subsidized housing, as defined in clause 9.3.
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| | (l) | The Parent/s and Married Child applicants cannot surrender their units or be deleted as the owner/occupier of their respective flats for a period of 5 years from the date of taking possession of the new flat. During the 5-year period, all Parent/s and Married Child must physically and continuously occupy their respective flats.
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| | (m) | All the Parent/s and the Married Child applicants shall comply with all other Terms and Conditions as may be imposed by HDB from time to time under the MGPS.
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| 4.6 | Assistance Scheme for Second-timers (Divorced/Widowed Parents)
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| | The Assistance Scheme for Second-timers (Divorced/Widowed Parents) (“ASSIST”) is offered to Second-timer applicants for the purchase of a 2-room Flexi or 3-room flat in the non-mature estates only, if offered. To qualify for the ASSIST, applicants must indicate their request under Assistance Scheme for Second-timers (Divorced/Widowed Parents) of the Application Form and meet the following conditions:
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| | (a) | Must not have acquired any interest in an HDB flat or private residential property (except for matrimonial flat / property) after the date of divorce / separation or demise of spouse (without prejudice to clause 2.8); and
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| | (b) | Must include a child (natural offspring from lawful marriages or legally adopted) below the age of 16 at the time of flat application.
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| | Conditions 4.6(a) includes HUDC flats and Executive Condominiums, properties acquired by gift or inheritance, private properties, properties outside Singapore and properties owned, gained or sold through nominees.
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| 6. | APPLICATION FOR MORTGAGE LOAN
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| 6.1 | Loan Eligibility
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| | Applicants are advised to check on their loan eligibility through the HDB InfoWEB or Loan Enquiry Counters at HDB Hub before they commit to buy a flat. Those who intend to apply for an HDB loan in their flat purchase will need to apply for an HDB Loan Eligibility Letter (HLE). For applicants who are applying for a loan from the banks or financial institutions licensed by the Monetary Authority of Singapore (MAS), they are required to produce a valid Letter of Offer.
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| 6.2 | HDB Loan Eligibility Letter (HLE)
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| | Applicants will need to apply for an HDB Loan Eligibility Letter (HLE) if they intend to obtain an HDB loan for their flat purchase. They may be offered an HDB housing loan of up to 90% of the purchase price of the flat, subject to full utilisation of available balance in the CPF Ordinary Account and credit assessment.
For applicants who intend to take a second HDB concessionary loan, the loan amount to be offered will be reduced by the full CPF proceeds (refunded into their CPF Ordinary Accounts) and 50% of the cash proceeds from the disposal of the applicants’ existing or immediate past HDB flats. The manner of disposal of existing or immediate past HDB flat includes by way of sale, transfer, surrender or compulsory acquisition.
Read more about applying for an HDB Housing Loan and what to note.
Applicants who are eligible and are applying for an HDB housing loan, must have a valid HLE letter when they book a flat. Applicants will not be granted a mortgage loan from HDB for their purchase of the HDB flats if they do not have a valid HLE letter by the time they exercise the Option to Purchase (by signing the Agreement for Lease).
If the applicant(s) is/are not using CPF monies to pay the monthly loan instalments or if the CPF monies are or shall become insufficient, the applicant(s) shall pay the monthly loan instalments through GIRO.
If the applicant(s) is/are using CPF monies to pay part of the monthly loan instalments, the applicant(s) shall pay the remaining part of the monthly loan instalments through GIRO.
Applicants have to submit a duly completed and signed GIRO application form before an HDB housing loan is issued.
The approval of the loan shall be at HDB’s sole discretion and is subject to HDB’s prevailing rules and regulations and such terms and conditions as may be imposed by HDB.
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| 6.3 | Mortgage Loan from Banks/Financial Institutions
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| | Applicants who are taking a mortgage loan from banks or financial institutions licensed by the Monetary Authority of Singapore (MAS) are required to obtain a valid Letter of Offer from the bank/financial institution before they can exercise the Option to Purchase (by signing the Agreement for Lease).
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| 7. | SIGNING AGREEMENT FOR LEASE
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| 7.1 | The sale of a new BTO flat will only proceed if a minimum number of flats in each BTO contract have been booked. The minimum number shall be determined by HDB in its absolute discretion and its decision shall be final and conclusive. HDB will assess the minimum number of flats booked for each BTO contract offered for sale independently.
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| 7.2 | If the number of flats booked for a BTO contract after the selection exercise exceeds the minimum number, applicants will be invited to sign the Agreement for Lease with HDB and pay a downpayment. In addition, they must pay legal and stamp fees on the purchase price.
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| 7.3 | Within four (4) months from the date of the Option to Purchase:- |
| | (a) | Applicants who are taking a mortgage loan from HDB or are not taking a mortgage loan, are required to pay 10% of the purchase price of the flat as downpayment; and
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| | (b) | Applicants who are taking a mortgage loan from banks or financial institutions licensed by the Monetary Authority of Singapore (MAS) are required to pay 20% of the purchase price of the flat as downpayment.
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| 7.4 | For applicants who are taking a mortgage loan from banks or financial institutions licensed by the Monetary Authority of Singapore (MAS), they are subject to the prevailing regulations and guidelines in force from time to time of MAS and the respective banks and financial institutions including stipulations relating to Loan-To-Value (LTV) ratios and cash downpayments.
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| 9. | FORFEITURE AND DEBARMENT UPON REJECTION OF FLAT
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| 9.1 | Before Signing Agreement for Lease
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| | If the applicant rejects the flat booked before he/ she signs the Agreement for Lease, his/ her application will be cancelled and the option fee forfeited.
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| 9.2 | After Signing Agreement for Lease
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| | If the applicant rejects the flat booked after he/ she signs the Agreement for Lease, his/ her application will be cancelled and a sum equivalent to 5% of the purchase price of the flat booked will be forfeited.
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| 9.3 | One-year Debarment
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| | Regardless whether the applicant rejects the flat booked before or after he/ she signs the Agreement for Lease, a one-year debarment will be imposed on all applicants and essential occupiers listed in the flat application. This shall be without prejudice to any other debarment which HDB may impose under any other clause.
During the one-year period, which starts from the date of HDB's cancellation of the flat application, the debarred persons are not allowed to submit any application or be included as essential occupiers in any application for subsidized housing, which includes any application:
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| | (a) | to buy a subsidized flat from the HDB;
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| | (b) | to buy a resale flat with a CPF Housing Grant (including an Additional CPF Housing Grant);
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| | (c) | to buy a Design, Build & Sell Scheme (DBSS) flat or an Executive Condominium (EC) unit from the developer;
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| | (d) | to buy a resale flat that has been announced for Selective En-bloc Redevelopment Scheme (SERS); and
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| | (e) | to take over an existing subsidized flat by way of an outright transfer.
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