Basic Requirement
1) You must be a Singapore Citizen (SC)
2) You must form a family nucleus (SC/SC) or (SC/PR)
3) You must be at least 21 years old
4) Your combined income must not exceed $14,000
5) You must not own or dispose any private property in the past 30 months
6) You did not buy directly from HDB twice (include resale flat with CPF grant)

1) Citizenship
Singapore Citizen + Singapore Citizen or Singapore Permanent Resident (SPR)
Applicants must consist of at least 1 Singapore Citizen. The other applicant can either be a Singapore Citizen or SPR.

2) Age
Age 21 years old and above
Age 35 years old and above if applying under Joint Singles Scheme

3)Family Nucleus
You must form a family nucleus under the following scheme:

Public Scheme
Fiancé/Fiancée Scheme
Orphan Scheme
Joint Singles Scheme

4) Income ceiling
Gross monthly combined income $14,000 and below

5) Special Requirement for Undischarged Bankrupts
Undischarged bankrupts need to seek the Official Assignee (OA)’s consent if they are applying for an EC.
However, they do not need to seek the OA’s approval to be listed as an occupier.

6) Ownership in Private Property
You, your spouse, any occupiers listed in the Application Form or their spouses must not own or dispose or have an estate or interest in any other flat, house, building or land*
Within 30 months before the date of application, and
Between the application date and the date of taking possession of the EC
* includes but not limited to:
HUDC flats (Privatised and Non-Privatised)
Properties acquired by gift
Properties inherited as beneficiaries under a will or as a result of the Intestate Succession Act
Private properties
Properties owned/acquired/disposed through nominees regardless of properties location

7. Owners/Ex-owners of HDB flats / DBSS flats / EC units
Each eligible Singaporean 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 developer;
an EC unit from developer.
*Only applicable for first-timer applicants

If you have already bought two housing units, you will not be eligible to apply or be listed as an essential occupier in an application.

Still not sure if you are eligible? Contact Us to check!