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Eligibility Conditions

You and all persons listed in the application for an EC unit must meet the eligibility conditions.

A household’s eligibility for housing subsidies is assessed based on the core family nucleus, which is formed by the core member(s). Core members refer to the applicant(s) and occupier(s) who enable the household to qualify for the EC unit purchase under an eligibility scheme. All core members must remain in the EC application, and physically occupy the EC unit during the minimum occupation period (MOP) after the EC unit purchase. Their names cannot be removed.

EC Schemes

Public scheme

You and all the proposed occupiers listed in the application must form an eligible family nucleus, defined as any one of the following:
(a) You and your spouse, and children (if any). An occupier who is married must also include his or her spouse; 

(b) You (single) and both your parents, and siblings (if any); 

(c) You (widowed or divorced) and children under your legal custody, care and control; 

Documents Required

• Applicant; and spouse and children and parents (if any); and siblings (if any) 
−​ Marriage Certificate(s) 
− Birth Certificate(s)
• ​ Applicant (Divorced); and children (if any); and parents (if any)
− Decree Nisi Absolute or Final Judgment 
− Divorce Certificate for Muslim Divorce 
− Order of Court/ Custody documents for Muslim (children under legal custody, care and control) 
− Legal adoption papers 
− Birth Certificate 
• ​ ​ Applicant (Widowed); and children (if any); and parents (if any)
− Marriage Certificate 
− Death Certificate of spouse 
− Birth Certificate 

Fiancé/ Fiancée Scheme

You and your fiancé or fiancée must be unmarried, widowed or divorced with Certificate of Making Decree Nisi Absolute/ Certificate of Final Judgment / Certificate of Making Interim Judgement Final / Certificate of Divorce from the Syariah Court at the time of the application. 

You must produce your marriage certificate for inspection by the Developer, within three months after taking possession of the EC unit.

Documents Required

• ​ Applicant and Fiancé/ Fiancée
− Consent to marriage of a minor (below 21 and above 18 years old) 

Orphans Scheme

You must be a Singapore Citizen and a single, and your single sibling(s) (listed as the buyer(s) or proposed occupiers) must comprise at least one Singapore Citizen or Singapore Permanent Resident. 

You and your co-buyer(s) must be at least 21 years of age at the time of the application. 

You must also list all your other single siblings in the same application. Also, at least one of your late parents must have been a Singapore Citizen or a Singapore Permanent Resident. 

You and an unrelated orphan who are both Singapore Citizens aged at least 21 at the time of the application can also apply jointly to buy an EC unit under the Orphans Scheme. 

At least one of your late parents must have been a Singapore Citizen or a Singapore Permanent Resident.

Documents Required

• ​ ​ Applicant; and unmarried siblings
− Birth Certificate 
− Parents’ Death Certificate and Marriage Certificate

Joint Singles Scheme

You and an unrelated person, both must be single aged at least 35 at the time of the application, may apply jointly to buy an EC unit. However, both of you are not eligible for the Singles Grant to buy an EC unit.

Documents Required

• ​ ​ ​ Applicant; and other single person
− Both must be Singapore Citizens 
− Both must be at least 35 years old 

Multi-Generation Families to buy a dual-key EC unit (where applicable)

You and the occupiers listed in the application must form a family nucleus under the multi- generation family to buy a *dual-key EC unit.

You can be the parents and/or grandparents with your married child, his or her spouse and child (ren) as occupiers. 

You must keep the multi-generation family structure from the date of the application to buy a dual-key EC unit, until the expiry of the minimum occupation period of the dual-key EC unit (defined as five years from the date of the Temporary Occupation Permit of the EC development). 

 If you and your fiancé or fiancée buys a dual-key EC unit under the Fiancé/Fiancée Scheme with the CPF Housing Grant, you must maintain your eligibility (including the condition of having a multi-generation family) even upon taking possession of the dual-key EC unit, and throughout the minimum occupation period of the dual-key EC unit (defined as five years from the Temporary Occupation Permit of the EC development). 

If your parent or married child becomes ineligible to buy the dual-key EC unit, the Sale and Purchase Agreement, if already entered into, will be terminated. Upon termination of the Sale and Purchase Agreement, the Developer will impose a forfeiture amount equivalent to 5% of the purchase price of the EC unit in accordance with the Sale and Purchase Agreement. 

Income

The average gross income of all persons listed in the application form must not exceed $16,000 per month.
Income/ allowance that will be considered for income assessment
  • Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • Sustenance allowance
  • Stipend
  • Director's fee
  • Income from overtime work
  • Incentives
  • Claims / reimbursements
  • Employees’ benefits e.g. birthday incentives, marriage tokens, etc.
  • Overseas cost of living allowances for working persons
  • Pupillage/ stipends
Income/ allowance that will not be considered for income assessment
  • Alimony allowance
  • Bonuses
  • Annual Wage Supplement
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Overseas allowances for applicants on scholarship
  • Pension

Proof of Income

Documents Required

Payslips for the 12-month period ending 2 months before the month of application (for further verification of income where necessary).

OR

Latest Notice of Assessment from IRAS (NOA) and CPF contribution statement for the 12-month period ending 2 months before the month of application.

OR

An income letter from your employer (which must show either the company’s letterhead or stamp and the name and job title of the person signing it) on your gross monthly income for the 12-month period ending 2 months before the month of application (for further verification of income where necessary).

Documents Required

1) Latest Notice of Assessment from IRAS (NOA) 
2) Valid Accounting & Corporate Regulatory Authority (ACRA) computer information (business profile) and valid license of business or trade (where applicable)
3) Undertaking to confirm the average gross monthly income for the 12-month period ending 2 months before the month of application or 
4) CPF contribution statement for the 12-month period ending 2 months before the month of application (for further verification of income where necessary).

Notes: 
A Statutory Declaration of income status is required for those who are unemployed, self-employed, or without an income letter or payslip. You can make the Statutory Declaration at the HDB Branch Office.

If you are unemployed (all persons aged between 16 and 70):

Documents Required

1) Latest Notice of Assessment from IRAS (NOA)
2) CPF contribution statement for the 12-month period ending 2 months before the month of application
3) Undertaking to confirm the employment status and the period of unemployment/ previous employment within the assessment period (if it applies). 

Student:
A valid copy of a Student Pass or letter from the school, college, institute of learning for persons aged 16 and above, to confirm full time student status.

Notes: 
A Statutory Declaration of income status is required for those who are unemployed, self-employed, or without an income letter or payslip. You can make the Statutory Declaration at the HDB Branch Office.

Documents Required

1) Latest Notice of Assessment from IRAS (NOA)
2) CPF contribution statement for the 12-month period ending 2 months before the month of application
3) Undertaking to confirm the employment status and the period of unemployment/ previous employment within the assessment period (if it applies). 

Student:
A valid copy of a Student Pass or letter from the school, college, institute of learning for persons aged 16 and above, to confirm full time student status.

Notes: 
A Statutory Declaration of income status is required for those who are unemployed, self-employed, or without an income letter or payslip. You can make the Statutory Declaration at the HDB Branch Office.

Quota for First-timers

More units will be allocated to first-timer applicants. The Developer cannot sell more than 30% of the launched units to second-timer applicants. The quota will be lifted one month after the public launch date. Under such circumstances, if the applicant is a Second- timer and the Second-timer quota has been met, the Developer reserves the right to reject/ cancel their booking. 

Ownership or interest in property

You are not eligible to buy an EC unit if you or your spouse or any occupiers listed in the application or their spouses:

 have at any time within 30 months before the date of making an application to the Developer to buy an EC unit, or between the date of the application and five years from the date of Temporary Occupation Permit of the EC development, acquired, sold or disposed of any flat house building or land* of which he was the owner, or divested himself of any interest therein.
You are considered to own or have an interest in a property if you have acquired a property through purchase or when it is:

1) Acquired by gift;
2) Inherited as a beneficiary under a will or from the Intestate Succession Act;
3) Owned, acquired, or disposed of through nominees; or
4) Acquired by holding on trust for another person/ entity.

The conditions on ownership/ interest in private residential and non-residential property apply to all local and overseas properties that are completed or uncompleted.

Wait-out Period

If you, your spouse or an core occupier listed in the EC application own or used to own a flat bought from HDB, a DBSS flat or an HDB resale flat (“the flat”), you may apply to buy an EC unit or be listed as an occupier of the EC unit, as long as five years (not including any period when you rent out the whole flat) have passed from the date of collection of keys of the flat to the date of this application for an EC unit. This five-year period also applies to ex-EC owners and current EC owners. 

 If you have bought an EC unit or DBSS flat with CPF Housing Grant and terminated the Sale and Purchase Agreement, you may apply to buy an EC unit on condition that five years have passed from the date of the termination of the Sale and Purchase Agreement of your earlier EC unit or DBSS flat purchase, to the date of this application to buy an EC unit. 

Debts owing to HDB

If you or anyone listed in the application form has a debt and/or unpaid registration deposit or such other amount due and owing to HDB, you must pay up the debt in full with interest to HDB, as well as an administrative charge determined by HDB before you can apply to buy or take possession of the new EC unit. 

Debarment

If you are not eligible to buy a flat from HDB under any of the HDB’s or the Government’s rules, regulations or policies, you will also not be eligible to buy an EC unit or be listed as occupier in an application for an EC unit.

MOP for existing flat

The MOP for EC unit is computed from the date of Temporary Occupation Permit (TOP) of the EC development. The MOP for HDB or DBSS flats is computed from the date of collection of keys of the HDB flat or DBSS flat.

You may login to HDB portal to check your MOP date.

Not sure if you qualify? Get in touch!

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