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For more information on eligibility conditions, kindly refer to the HDB website here.

These are the CPF Housing Grants available for Executive Condominium (EC) purchases from developers:

• Family Grant
• Half-Housing Grant

You and any co-applicants must be eligible for the grant at the point of booking the EC.

Check if you are a first-timer applicant

You will be considered a first-timer applicant if you have not received any housing subsidy from HDB, which means that you must not:

• Be the owner of a flat bought from HDB
• Have sold a flat bought from HDB
• Have taken the CPF Housing Grant to buy an EC, Design, Build and Sell Scheme (DBSS) flat or an HDB resale flat, or taken over ownership of such a flat or EC
• Have transferred the ownership of a flat bought directly from HDB, or an HDB resale flat bought with a CPF Housing Grant
• Have ever taken other forms of housing subsidy, such as Selective En bloc Redevelopment Scheme benefits or privatisation of HUDC estate

Citizen Top-Up (for SC/ SPR households)

You can apply for the Citizen Top-Up of $10,000 when a qualifying member of your SC/ SPR household obtains Singapore citizenship. You need to submit your application to HDB within 6 months of being eligible for it.

For flat application, you and the other applicants and essential occupiers will need to get ready the following documents for our verification:

• ^#3 months’ payslips preceding the month of application, if employed full-time (not on commission-basis)
• ⁺6 months’ of income documents preceding the month of application, for other types of employment
• Proof of unemployment, if not working

Aside from the above documents, other documents would be requested for verification if needed.

Notes:

^#For cases with Option to Purchase granted before 28 Aug 2018, we will need the latest 3 months’ payslips (month of application and 2 months preceding month of application)

⁺For cases with Option to Purchase granted before 28 Aug 2018, we will need the latest 12 months’ commission statements/ payslips (month of application and 11 months preceding month of application)

^{^}Applicable for cases with Option to Purchase granted from 28 Aug 2018 onwards

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

Income/ allowance that will not be considered for income assessment

• Alimony allowance
• Bonuses
• Director’s fee
• Income from overtime work
• Interest from deposit accounts
• National Service Allowance
• Rental income
• Scholarship overseas allowance
• ^{^}Overseas cost of living allowance
• ^{^}Pension

 Notes:

^{^}Applicable for cases with Option to Purchase granted from 28 Aug 2018 onwards

First-timer applicant

First-timers enjoy privileges and priority in flat allocation.

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

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

For applicants used to / still own local / overseas non-HDB Property

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

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

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

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

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For applicants used to / still own HDB Flat / DBSS EC

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

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

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

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

This usually happens when someone:

• Has not met the Minimum Occupation Period (MOP) of a current flat/ EC unit
• Is a divorcee
• Has previously cancelled a flat application, or twice chose to not book a flat

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

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

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

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

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

Divorcee

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

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

3-year wait-out period

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

Exception

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

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

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

Cancelled an HDB flat application after booking a flat

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

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

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

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