Overview of eligibility conditions

 

Family nucleus

You will need to qualify for the EC under one of these eligibility schemes:

• Public Scheme

• Fiancé/Fiancée Scheme

• Orphans Scheme

• Joint Singles Scheme 

 

Citizenship

• You must be a Singapore Citizen

• At least 1 other applicant must be a Singapore Citizen or Singapore Permanent Resident

• All singles must be Singapore Citizens if applying under the Joint Singles Scheme

 

Age

• At least 21 years old

• At least 35 years old, if applying under the Joint Singles Scheme

​

Income ceiling

• Your household income must not exceed $16,000 income ceiling.

 

Property ownership

• You do not own other property overseas or locally, or have not disposed of any within the last 30 months

• You have not bought a new HDB/ DBSS flat or EC, or received a CPF Housing Grant before; or, have only bought 1 of these properties/ received 1 CPF Housing Grant thus far

Which eligibility scheme should I apply under?

 

Public Scheme

You form a family nucleus with any of the following:

• Spouse, and children (if any)

• Parents, and siblings (if any)

• Children under your legal custody, care and control (if widowed/divorced#)

If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application.

No change of people listed in the application

Applications under this scheme are only valid if there are no changes to the people listed in the application. This means that in the case of a break-up, you are not allowed to subsequently include the name(s) of a new fiancé/fiancée or your parents in the application, even if your ex-fiance/fiancée agrees.

If applying for a dual-key EC as a multi-generation family

A multi-generation family is any of the following:

• Married/engaged couple and parent(s)/grandparent(s)

• Widowed/divorced with children under legal custody, care and control# and parent(s)/ grandparent(s)

If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application.

​

​

Fiancé/Fiancée Scheme

You form a family nucleus with your spouse-to-be.

Solemnisation of Marriage

Under this scheme, you need to solemnise your marriage and submit a photocopy of your marriage certificate to the developer within 3 months* of collecting your keys to the EC unit.

*Applicable for Option To Purchase granted by property developer on or after 1 May 2018

Written parental consent needed if spouse-to-be is 18 years old and above, but below 21

• That person can only be listed as an essential occupier in the flat application

• Written consent from that person’s parents/ guardians must be submitted during the EC selection appointment.

Special Marriage Licence needed if spouse-to-be is below 18 years old

Following your flat application, you must obtain a Special Marriage Licence from the Ministry of Social and Family Development and submit it to us during the EC selection appointment.

No change of people listed in the application

Applications under this scheme are only valid if there are no changes to the people listed. That means that, in a case of break-up, you are not allowed to subsequently include the name(s) of a new Fiancé/Fiancée or your parents in the application, even if your ex-Fiancé/Fiancée agrees.

If applying for a dual-key EC as a multi-generation family

A multi-generation family is any of the following:

• Married/ engaged couple and parents/ grandparents

• Widowed/divorced with children under legal custody, care and control# and parent(s)/grandparent(s)

#If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application.

​

​

Orphans Scheme

You and your siblings (those applying) are orphans and single, i.e. unmarried, divorced, or widowed:

• All of the siblings that are single must be listed in the same application

• At least 1 of the deceased parents was a Singapore Citizen or Singapore Permanent Resident

Please note that under the Orphans Scheme, siblings are not allowed to buy or rent flats separately.

Joint Singles Scheme

You and up to 3 other co-applicants, and all of you are:

• Single (unmarried, divorced, or widowed)

• Singapore Citizens

• At least 35 years old

• Applying jointly as co-applicants

The CPF Housing Grant for singles is not available when buying an EC.

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)

If you are a second-timer and your spouse/ spouse-to-be is a first-timer, you will be glad to know that you and your spouse/ spouse-to-be will enjoy first-timer privileges and priority as a couple.

 

Second-timer applicant

Yours will be treated as a second-timer application if any of the following applies to you or any of the other listed owners and essential occupiers:

• Have owned or sold any of the following:

  • HDB flat bought from HDB

  • Resale flat bought using a CPF Housing Grant

  • EC/ DBSS flat bought from the developer

• Once taken some form of housing subsidy (e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation)