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Eligibility Conditions

EC Income Ceiling Adjusted Upwards to $16,000 from 11 Sep 2019!

These are the eligibility conditions to buy a new Executive Condominium (EC). For ECs, please note that they are bought from the developer, not from HDB. Before you submit an application, we advise that you also learn more what conditions apply after you buy an EC, and find out whether you must pay a resale levy.

Overview of eligibility conditions buying ec

Source: HDB Eligibility conditions to buy a new Executive Condominium (EC)

Which eligibility scheme do I apply under?

You can apply for a new EC under one of these eligibility schemes: Public Scheme, Fiancé/Fiancée Scheme, Orphans Scheme, and Joint Singles Scheme.

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.

If you face difficulties in obtaining the agreement or have a question for us, please send HDB an email at hdbsales@mailbox.hdb.gov.sg.

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.

What is the income ceiling?

Your average gross monthly household income must not exceed ^$16,000.

^Applicable for Option to Purchase granted by the property developer on or after 11 September 2019. For Option to Purchase granted before 11 September 2019, income ceiling is $14,000

What income documents must I submit?

For your 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, we may also request other documents for verification if needed.

Find out more here...

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 ad hoc overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Pension
What if I am an undischarged bankrupt?

Prior consent must be obtained from the Official Assignee (OA) or the private trustee if you are applying to buy an EC. You do not need to seek prior consent from the OA or the private trustee to be listed as an occupier.

Am I a first or second-timer applicant?

A first-timer applicant is a person or household that has never received any form of housing subsidy, or similar benefit; a second-timer applicant is a person or household that has. If you are a second-timer and your spouse/ spouse-to-be is a first-timer, you as a couple will enjoy first-timer privileges and priority.

Are there any time period during which I cannot apply for and EC?

Yes. There are instances where you may need to wait out a set time period before you can apply or be listed in the application for a new EC.

This usually happens when someone:

  • Has not met the Minimum Occupation Period (MOP) of a current flat/ EC unit
  • Has previously cancelled a flat application

​Find out more here...

Can I get a new EC flat if I used to/ still own or have full/ partial interest in a local/ overseas non-HDB property?

No, you may not. 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
Can I get a new EC if I used to/ still own an HDB flat, DBSS flat, or EC?

Yes, 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.

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