General Conditions For Purchase of Flat
GENERAL CONDITIONS FOR PURCHASE OF 3-ROOM AND BIGGER FLAT
UNDER SALE OF BALANCE FLATS



1.APPLICATION CONDITIONS AND PROCEDURES
1.1Submission of Application Form
1.2Points to note for First-timer applicants
1.3Points to note for applicants under the Parenthood Priority Scheme
(For First-timer households only)

1.4Points to note for Second-timer Applicants
1.5Documents to Submit
1.6Correspondence Address for Application

2.ELIGIBILITY CONDITIONS
2.1Eligible Family Nucleus for 3-room/4-room and 5-room flat
2.2Eligible Family Nucleus for 3Gen flat
2.3Citizenship Requirement
2.4Payment of $10,000 Premium
(For First-timer Singapore Citizen / Singapore Permanent Resident (SC/SPR) households only)
2.5Age
2.6Income Ceiling
2.7Financing
2.8Ownership / Interest in Property
2.9Payment of Premium / Levy
2.10Time Bar
2.11Owners or Ex-owners of flats/ Design Build and Sell Scheme (DBSS) flats/Executive Condominium(EC) units

3.OTHER CONDITIONS
3.1Non-Deletion of Essential Occupier
3.2Change of Applicant / Occupier
3.3Outstanding Debts Owing to HDB
3.4Debarment
3.5Ethnic Classification

4.PRIORITY SCHEMES
4.1Important Notes
4.2Tenants' Priority Scheme (Applicable to the purchase of 3-room flat only, if offered)
4.3Third Child Priority Scheme
4.4Married Child Priority Scheme

5.SELECTION OF FLAT

6.APPLICATION FOR MORTGAGE LOAN
6.1Loan Eligibility
6.2HDB Loan Eligibility Letter (HLE)
6.3Mortgage Loan from Banks/Financial Institutions

7.SIGNING AGREEMENT FOR LEASE

8.TAKING POSSESSION OF NEW FLAT

9.FORFEITURE AND DEBARMENT UPON REJECTION OF FLAT

9.1Before Signing Agreement for Lease
9.2After Signing Agreement for Lease
9.3One-year Debarment




1. APPLICATIONS CONDITIONS AND PROCEDURES

1.1Submission of Application Form

(a)Applications must be submitted electronically via the HDB InfoWEB for buying a flat under the Sale of Balance Flats. Applicants must pay a non-refundable administrative fee of $10 by way of Credit Card (Visa/Master Card).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.

(b)The applicant and any family member listed in the application can only submit one application under this Sale of Balance Flats exercise. If the applicant or any member listed in the application is listed in more than one application, all the applications will be disqualified.

(c)Applicants can only apply for one town/estate and flat application category.

(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 Sale of Balance Flats 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 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.

(e)All applicants who have a chance to select a flat based on their balloted queue number will be deemed successful in their flat application.

(f)Any request for cancellation of an application for this Sale of Balance Flats exercise 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 select a flat based on his/ her balloted queue number, it will be treated as one successful application.


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1.2Points to note for First-timer Applicants
(a)An applicant is considered a *First-timer (all others considered Second-timers) if the applicant(s) and the other essential family members listed in the Application Form:

(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 not ever 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.


* 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 couples who had remarried or are remarrying each other after their divorce.

(b)First-timer applicants will be given more chances over the Second-timer applicants in the balloting, subject to the prevailing policy on ethnic ratios and quota of flats available for booking.

(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). This treatment will also be applicable to towns where HDB has grouped certain flat-types together for offer under the same Flat Application Category, e.g. 5-room and Executive Flats. 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 applications 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.

(d)First-timer applicants whose First-timer privileges are removed in 1.2(c) above, would 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)):

(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 and Sale of Balance Flats
First-timer Families
20%
90%
70%
85%
95%
Second-timer Families
30%
5%
30%
15%
5%
First-timer Singles
50%
5%
-
-
-
; and

(v)Parenthood Priority Scheme
(Please see clause 1.3 for more information on the Parenthood Priority Scheme)

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1.3Points to note for applicants under the Parenthood Priority Scheme (“PPS”)
(For First-timer households only)
To qualify for for the PPS, a First-timer household must meet the following conditions:-

(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)Applicants 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.]

(b)Applicants and occupiers listed in the application form must form a family nucleus; and

(Please see clause 2.1 for more information on family nucleus.)

(c)Applicants and occupiers listed in the application form must meet all other eligibility conditions in buying an HDB flat.

Under the PPS, HDB will set aside 50% of the total flat supply set aside for public applicants.

Household Types
Sale of Balance Flats
3-room and bigger flats

First-Timer (FT) Familes
Parenthood Priority Scheme
50%
Married Child Priority Scheme
30%
Other FT families
15%
Sub-Total (FT Families)
95%

Second-Timer (ST) Families
Married Child Priority Scheme
3%
Others ST families
2%
Sub-Total (ST Families)
5%

GRAND TOTAL

100%
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1.4Points to note for Second-timer Applicants
(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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1.5Documents to Submit
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:

(a)Copy of Identity Cards of ALL persons (including occupiers) listed in the application. If you are in the service of SAF/Civil Defence/Police Force, you are required to obtain a certified true copy of your Singapore pink/blue identity card from your 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 :

(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 for the month of application and the preceding 2 months of the employed person.

(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.

(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.

(iv)Part-time Worker
(1)Monthly-rated part-time employee with fixed monthly salary is required to 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 is required to 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.

(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.

(vi)Unemployed Persons
Statutory Declaration* to declare the employment status, i.e. period of unemployment / employment (where applicable).
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.

*Statutory Declaration may be affirmed/declared at the Sales Office at HDB Hub or at any HDB Branch Office. 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 any other place that is not part of the Commonwealth.

(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

(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.

(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.


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 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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1.6Correspondence Address for Application
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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ELIGIBILITY CONDITIONS

2.1Eligible Family Nucleus for 3-room/4-room and 5-room flat
The applicant and occupiers in the Application Form must form a family nucleus comprising any of the following:

(a)Applicant and his/ her spouse and children (if any) (natural offspring from lawful marriages or legally adopted);

(b)Applicant (single) and both his/ her parents; and siblings (if any);

(c)Applicant (widowed or divorced) and children under his/ her legal custody, care and control;

(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

(e)Applicant and fiance/fiancee. Both the fiance and fiancee must be unmarried, widowed or divorced (with Decree Nisi Absolute/Interim Judgment Final granted) 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, within 3 months after taking possession of the new HDB flat or by the *Delivery Possession Date (DPD), whichever is the 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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2.2Eligible Family Nucleus for 3Gen flat
To apply for a 3Gen flat, the applicants and occupiers must form a multi-generation family comprising any of the following :

(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 whereby the conditions in clause 2.1(e) will also apply.

Read more about the conditions after purchase of a 3Gen flat


2.3Citizenship Requirement
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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2.4Payment of $10,000 Premium
(For First-timer Singapore Citizen / Singapore Permanent Resident (SC/SPR) households only)

(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.

(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.

(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:-

(i)the SPR spouse who is the co-applicant/co-owner/occupier originally listed in the flat application subsequently becomes a SC, or
(ii)a SC child is born to the SC applicant/owner and SPR spouse originally listed in the flat application, or
(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.)

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 (plus premium) and the same will be adjusted accordingly.

2.5Age
All applicants must be at least 21 years old at the time of application.

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2.6Income Ceiling
(a)Application to buy a 3-room flat (If Offered)
The total average 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.

(b)Application to buy a 4-room/ 5-room/ 3Gen/ Executive flat (If Offered)
The total 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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2.7Financing
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

(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

(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 an HDB loan or a loan from a bank/financial institution to finance the purchase of the flat.

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2.8Ownership / Interest in Property
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:

(a)is the owner of any other flat, house, building or land*, or has an estate or interest therein; or

(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, acquired or disposed of any flat, house, building or land, or any interest therein.

*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.

HDB may consider exempting persons from conditions 2.8 (a) and (b) upon their application for exemption, based on the merits of each case. The applicant must pay a non-refundable processing fee of $50, subject to GST, within 2 weeks of HDB’s request to do so.

Note: For more information on the various categories where HDB may consider granting exemption, please refer to the HDB InfoWEB at "Can I buy a new HDB if I used to/still own or have full/partial interest in local/overseas non-HDB property?"

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2.9Payment of Premium / Levy
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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2.10Time Bar
(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)*, 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.

(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 Design Build and Sell Scheme (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.

(c)Cancellation of flat booked from March 2012 Sales Exercise onwards

Applicants and the essential occupiers of the cancelled application (relating to a flat booked from a Build-To-Order or Sale 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 of a flat booked from a Build-To-Order or Sale of Balance Flats exercise launched on or after March 2012.

(d)One-year wait out period for applicants who do not select twice

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.

(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.

If there is an existing matrimonial home, 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 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 in 2.10(e)(i) or 2.10(e)(ii) or 2.10(e)(iii) within the three-year period from the date of the finalised divorce.

The requirement to seek ex-spouse 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 consent during the three-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
· Have the legal custody, care and control of all the children.

Note:
· 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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2.11Owners or Ex-owners of Flats/Design Build and Sell Scheme/ Executive Condominium (EC)
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 developer.

*Applicable for first-timer applicants only.
A person who has already bought two of the above housing units will not 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

3.1Non-Deletion of Essential Occupier
Any person listed as an essential occupier in the application must continue to be listed in the application and must physically and continuously occupy in the new flat during the 5-year occupation period. An essential occupier is one who forms a family nucleus with the applicant to qualify for a flat from HDB.

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3.2Change of Applicant / Occupier
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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3.3Outstanding Debts Owing to HDB
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 a cash sum arising from the forfeiture of the registration deposit, under a previous application under the Fiance/Fiancee Scheme, 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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3.4Debarment
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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3.5Ethnic Classification
The application and selection of a flat will be subject to the ethnic classification of the application. Each application is classified based on the head of household regardless whether the person is listed as the main applicant, co-applicant or proposed occupier. For example, in an application consisting of a married couple, the husband is considered as the head of household and the ethnic classification of the application would be based on his ethnic group.

For applicants with double-barrelled race listed in their Identity Cards, only the first race component will be used. 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 SCHEMES

4.1Important Notes
Applicants may wish to apply for an HDB flat under one of the following Priority Schemes, i.e. the Tenants’ Priority Scheme or the Third Child Priority Scheme or the Married Child Priority Scheme. The conditions for the Priority Schemes (known as the 'Conditions of the Scheme') shall be in addition to all of HDB's conditions of purchase and sale under the Sale of Balance Flats. In the event of any inconsistency between the Conditions of the Scheme and the General Conditions For Purchase Of A Flat Under Sale of Balance Flats, the Conditions of the Scheme shall prevail.

Each applicant is allowed to apply for a flat under only one of the Priority 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 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 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 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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4.2Tenants' Priority Scheme
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:
(a)Must be a first-timer who is currently an HDB rental tenant; and
(b)Must have a family nucleus; and
(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
(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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4.3Third Child Priority Scheme
(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 Singapore Citizen. Where one of the parents is deceased, the remaining parent must be a Singapore Citizen.

(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 towards the application 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 an HDB flat has already been allocated to him/ her, HDB will compulsorily acquire or determine the Lease of the HDB flat and forfeit all monies paid towards the application .
(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 ("MCPS")

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, applicants who have included their parents/married child(ren) in the application will enjoy first priority over other MCPS applicants.

To be eligible for the MCPS, applicants must meet the following conditions:-

(a)Married Applicants Staying with Parents/Married Child(ren) within the 5-year occupation period
(i)Successful applicants must ensure that 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 for a period of 5 years from the date of taking possession of the new flat.

(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 in the existing flat is subject to HDB's approval and prevailing policies, rules and regulations.

(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.



(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

(ii)Applicants’ parents' or married child's current housing block is within 2 km from any of the blocks (offered in this Sale of Balance Flats 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

(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 Sale of Balance Flats exercise) in the town/estate they are applying for.

(iv)Successful applicants under 4.4(b)(i) or 4.4(b)(ii) or 4.4(b)(iii) must ensure that their parents/married child(ren) reside and 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 Sale of Balance Flats exercise) in the town/estate they are applying for, for a period of 5 years from the date the applicants take possession of the new flat.

(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.

* 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).

5. SELECTION OF FLAT

5.1A computer ballot will be conducted to shortlist the applicants and determine the applicants' queue position to book a flat. Those shortlisted will be informed of their queue position and invited to book a flat, subject to availability and the Ethnic Integration Policy. Applicants who are not shortlisted will be informed that they are unsuccessful in their application.

5.2All applicants' eligibility to buy is assessed during the selection appointment. Hence, applicants who are invited to book a flat must produce all original documents requested or required by HDB for verification. Applicants can only book a flat after they have produced the supporting document to confirm their eligibility to buy under HDB's prevailing policies, rules and regulations.

5.3Upon booking of a flat, applicants are required to pay an option fee (by NETS) and HDB will grant them an Option to Purchase. The option fee payable by the applicants for the following flat types (where applicable and offered) are:

(a) 3-Room: $1,000/-
(b) 4/5-Room/ 3Gen/ Executive Flat: $2,000/-

5.4For applicants who have booked a flat under the Sale of Balance Flats their other existing applications for a new flat with HDB/DBSS/EC (if any), will be cancelled.

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6. APPLICATION FOR MORTGAGE LOAN

6.1Loan Eligibility
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. Applicants who do not require any mortgage loan to buy the HDB flats will have to produce documentary proof showing that they have the financial means to buy the flats.

6.2HDB Loan Eligibility Letter (HLE)
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.

6.3Mortgage Loan from Banks/Financial Institutions
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

7.1Applicants must sign the Agreement for Lease with HDB and pay a downpayment within three (3) months from the date of the Option to Purchase. In addition, they must pay legal and stamp fees on the purchase price.

7.2Within three (3) months from 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
(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.

7.3For 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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8. TAKING POSSESSION OF NEW FLAT

Applicants are required to pay the balance of the full purchase price (inclusive of premium, where applicable) and levy, as the case may be, before they can take possession of the flat. They may use their CPF or cash savings and/or mortgage loan to pay the balance of the purchase price (inclusive of premium, where applicable). Payment of levy and its interest due to HDB, must be in cash.

Disposal of Existing Flat
(a)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/relinquishment of the existing flat is subject to HDB's approval and prevailing policies, rules and regulations.

(b)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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9. FORFEITURE AND DEBARMENT UPON REJECTION OF FLAT

9.1Before Signing Agreement for Lease
If the applicant rejects the flat selected before he/ she signs the Agreement for Lease, his/ her application will be cancelled and the option fee forfeited.

9.2After Signing Agreement for Lease
If the applicant rejects the flat selected 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 selected will be forfeited.

9.3One-year Debarment
Regardless whether the applicant rejects the flat selected 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:

(a)to buy a subsidized flat from the HDB;

(b)to buy a resale flat with a CPF Housing Grant (including an Additional CPF Housing Grant);

(c)to buy a Design, Build & Sell Scheme (DBSS) flat or an Executive Condominium (EC) unit from the developer;

(d)to buy a resale flat that has been announced for Selective En-bloc Redevelopment Scheme (SERS); and

(e)to take over an existing subsidized flat by way of an outright transfer.

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Note:
The acceptance of any application does not constitute an approval for the purchase of a flat from HDB. All applicants' eligibility to buy a flat will be assessed under the prevailing policies, rules and regulations. Applicants are required to produce relevant supporting documents to confirm their eligibility for the flat purchase as and when required to do so.

Applicants who are lacking in mental capacity to understand the nature and consequences of the flat transaction they are entering into, will have to appoint a Deputy under the Mental Capacity Act to act on their behalf. We reserves the right to cancel any application or remove any applicant’s name from the application, if the applicant is found to be lacking in mental capacity.

HDB has the right to reject any application or delete any person’s name from the application without assigning any reason. If HDB deems that the applicant is not eligible to apply for an HDB flat or becomes ineligible to retain his/ her application under HDB’s prevailing policies / conditions in force from time to time, the application will be cancelled and all monies paid will be forfeited, at the sole discretion of HDB.

The General Conditions For Purchase of A Flat Under Sale of Balance Flats contained in this form are current and are subject to HDB’s prevailing policies, rules and regulations in force from time to time. HDB reserves the right to add, delete and/or vary the conditions at any time. All decisions by HDB shall be final and conclusive.

Words importing the singular number or the masculine gender herein shall include the plural number or the feminine gender where applicable.

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CAUTION: IN ADDITION TO OTHER REMEDIES, THE HOUSING & DEVELOPMENT ACT (CHAPTER 129) PROVIDES THAT ANY PERSON WHO MAKES A FALSE STATEMENT IS LIABLE TO A FINE NOT EXCEEDING $5,000/- OR IMPRISONMENT FOR A TERM NOT EXCEEDING 6 MONTHS OR BOTH.