Purchasing an HDB Resale Flat I: Eligibility Criteria

If a brand new HDB flat is way beyond your budget, you can purchase HDB resale flats. Like purchasing a new flat, buying a resale flat also has certain eligibility requirements such as citizenship, age upon purchasing of the resale flat, family nucleus and other special conditions.

Public Scheme

For the Public Scheme, you must be a Singapore Citizen (SC) or Singapore Permanent Resident (SPR) or at have at least one listed occupant who is an SC or an SPR. You must also be at least 21 years old upon purchase of the HDB resale flat. In addition, you must form a family nucleus. It can either be you, your spouse and children; or you, your parents and siblings; or you, your children under your legal custody. There is no income ceiling required. There is, however, an ethnic integration and SPR quota.

Fiancé / Fiancée Scheme

If you are buying the HDB resale flat with your fiancé or fiancée, you must be a Singapore Citizen (SC) or Singapore Permanent Resident (SPR) or at have at least one listed occupant who is an SC or an SPR. You must also be at least 21 years old upon purchase of the HDB resale flat. You must list your fiancé or fiancée as a co-applicant or an occupant in the resale flat application. There is no income ceiling in this scheme.

Single Singapore Citizen Scheme

Only single Singapore Citizens can purchase under this scheme. For unmarried person or divorcees, you must be at least 35 years old when submitting the HDB resale flat application. For widows and orphans, you must be at least 21 years old. Orphans buying resale flats for themselves must not have a sibling below 35 years old and buying a flat separately.

Joint Singles Scheme

Only single Singapore Citizens can purchase under this scheme. For unmarried person or divorcees, you must be at least 35 years old when submitting the HDB resale flat application. For widows and orphans, you must be at least 21 years old. Orphans buying resale flats for themselves must not have a sibling below 35 years old and buying a flat separately.

Non-Citizen Spouse Scheme

Only single Singapore Citizens can purchase under this scheme. For those who are at least 21 years old, your spouse must have a Long Term Visit Pass (LTVP) or Work Pass (EP, S Pass, etc). For those who are at least 35 years old, your spouse should have a Visit Pass or Work Pass. The pass should be valid (for at least 6 months) at the time of application. There is no income ceiling required.

Non-Citizen Family Scheme

Only single Singapore Citizens who are at least 21 years old can purchase under this scheme. There is no income ceiling required.

Orphans Scheme

You must be at least 21 years old, a Singapore Citizen (SC) and include at least one other unmarried sibling, who is an SC or a Singapore Permanent Resident (SPR) as a co-applicant. Or at least one of your deceased parents was Singapore Citizen (SC) or Singapore Permanent Resident (SPR). The application must comprise of you and your unmarried siblings. There is no income ceiling.

Conversion Scheme

You must be at least 21 years old, a Singapore Citizen (SC) and include at least one other listed occupant, who is an SC or a Singapore Permanent Resident (SPR). Under this scheme, you can only buy 2 units of 3-room or smaller resale flat or an adjoining 3-room or smaller flat.