Introduction to the Fiancée Scheme for HDB Flats
Overview of the Fiancée Scheme for HDB flats
The Fiancée Scheme for HDB flats in Singapore is a public scheme that allows fiancés and fiancées to apply for an HDB flat before marriage.
This scheme is designed to provide housing options for couples who are planning to get married and start their families.
Whether you are looking for a new flat or a resale flat, the Fiancée Scheme can help you secure a home for your future.
To be eligible for the Fiancée Scheme, both applicants must meet certain criteria.
The flat application must include the fiancé and fiancée as essential occupiers, and they must be at least 21 years old.
There is also an income ceiling to qualify for certain housing grants under the HDB.
Additionally, if you are applying for a flat under the Fiancée Scheme, you must be listed as an applicant in the application.
History of Fiancée Scheme for HDB Flats in Singapore
The Fiancée Scheme was introduced in Singapore to allow couples to buy an HDB flat before marriage.
This scheme allows couples to secure a housing option within three months of their marriage.
Prior to the Fiancée Scheme, couples had to wait until after their wedding to apply for an HDB flat.
However, with the introduction of this scheme, fiancés and fiancées can now plan ahead and secure a home before tying the knot.
To apply for an HDB flat under the Fiancée Scheme, couples can visit the official HDB website or secure websites to access detailed information and guidelines.
The website provides all the necessary information regarding eligibility criteria, required documents, and key dates such as the August 2023 BTO exercise.
Key Features of the Fiancée Scheme for HDB Flats
One key feature of the Fiancée Scheme is the ability to apply for a flat before marriage.
This allows couples to plan and obtain a home earlier in their relationship.
Additionally, applicants need to submit a photocopy of their marriage certificate within three months of their marriage to complete the transaction.
Couples applying for an HDB flat under the Fiancée Scheme can also benefit from various housing grants, such as the Enhanced CPF Housing Grant.
These grants provide financial assistance to eligible couples, making homeownership more affordable.
The Ministry of Social and Family Development oversees the allocation of these grants to eligible couples.
It’s important to note that the Fiancée Scheme is not limited to Singapore citizens.
Non-citizens who are planning to marry a Singapore citizen can also apply for an HDB flat under the Non-Citizen Spouse Scheme.
The Fiancée Scheme for HDB Flats in Singapore provides couples with the opportunity to secure a home before marriage.
Whether you are looking for a new flat or a resale flat, the Fiancée Scheme offers various benefits and housing grants to make homeownership more accessible.
By understanding the eligibility criteria, requirements, and key features of this scheme, couples can plan their housing journey and start building a home for their future together.
- Eligibility Criteria:
- At least one person must be a Singapore citizen.
- Combined monthly household income must not exceed the set income ceiling.
- Applicable only for the purchase of a resale HDB flat, not for BTO flats.
- Couples should not have applied for a flat together in the past 5 years.
- Proximate Housing Grant:
- Couples may be eligible for the Proximate Housing Grant for buying a resale flat near their parent(s)/sibling(s).
- Application Process:
- Solemnize marriage within 3 months of LTVP or Special Pass.
- Check eligibility, apply during BTO exercise, and submit documents.
- Consider special conditions, balance flats if BTO is not secured.
- Essential Occupiers and Documents:
- Fiancé/fiancée must be part of the family nucleus.
- Submit a photocopy of the marriage certificate.
- List all essential occupiers in the application.
- Financial Considerations:
- Couples may be eligible for CPF Housing Grants based on income and flat type.
- Resale levy may apply for those who previously enjoyed a housing subsidy.
- Additional allowances may be available during the COVID-19 period.
- Advantages of Fiancée Scheme:
- Allows couples to apply for a flat before marriage.
- Enables planning and obtaining a home earlier in the relationship.
- Benefits include housing grants and financial assistance.
- Half-Housing Grant and Allowances:
- Eligible couples may receive a CPF Half-Housing Grant.
- Allowances for food are deposited into CPF accounts monthly.
- Retaining Flat under Non-Citizen Spouse Scheme:
- Couples can keep the flat even if one spouse is not a citizen.
- Non-citizen spouse can continue to stay in the flat despite changes in citizenship or marital status.
- Benefits for Families:
- Essential occupiers, such as children or parents, must be listed to ensure proper housing and support.
- Professional Advice:
- It is recommended to seek advice from HDB or a qualified property agent to understand all requirements and financial implications thoroughly.
Eligibility for the Fiancée Scheme
Eligibility criteria for applying for an HDB flat under the Fiancée Scheme
To be eligible for the Fiancée Scheme and apply for an HDB flat in Singapore, there are certain criteria that need to be met.
Here are the key requirements:
- Singapore Citizen: At least one person in the couple must be a Singapore citizen.
- Monthly household income: The couple’s combined monthly household income must not exceed the income ceiling set by HDB. The income ceiling varies depending on the flat type and location.
- Resale HDB flat: The Fiancée Scheme is applicable only for the purchase of a resale HDB flat. It is not available for BTO (Build-to-Order) flats.
- Application until after the 5-year period: Couples applying for an HDB flat under the Fiancée Scheme should not have previously applied for a flat together.
- Proximate Housing Grant: The couples applying for the Fiancée Scheme may be eligible for the Proximate Housing Grant, which provides financial assistance for those buying a resale flat near their parent(s)/sibling(s).
- Special Marriage Licence and Marriage Certificate: Prior to applying for an HDB flat, the couple must obtain a special marriage license and submit a photocopy of their marriage certificate to HDB.
Income ceiling and other requirements for the Fiancée Scheme
The income ceiling and other requirements for the Fiancée Scheme are as follows:
- Average Gross Monthly Household Income: The income ceiling is based on the average gross monthly household income of the couple. The income ceiling differs for first-time applicants and second-timer applicants.
- CPF Housing Grants: Eligible couples can also apply for CPF Housing Grants under the HDB. The grants are based on the couple’s income level, family nucleus type, and citizenship status.
- Available listings based on income ceiling: The available listings of HDB flats are determined by the income ceiling. Couples are advised to check the HDB website or approach a HDB Sales Office for more details.
- Covid-19 period: During the COVID-19 period, couples that include an essential worker, such as healthcare professionals or frontline workers, may be eligible for higher income ceilings and additional subsidies.
- Overseas allowances: If one or both of the applicants receive overseas allowances, HDB may consider including a portion of these allowances as part of the couple’s average gross monthly household income.
It is important for couples to carefully review the eligibility requirements and conditions set by HDB for the Fiancée Scheme. By meeting these criteria, couples can qualify for the scheme and proceed with their plan to buy an HDB flat together.
Applying for an HDB Flat under the Fiancée Scheme
Steps and process to apply for an HDB BTO flat under the Fiancée Scheme
If you are a couple planning to get married and looking to buy an HDB flat in Singapore, the Fiancée Scheme is designed to assist you.
Here are the steps and process to apply for an HDB Built-to-Order (BTO) flat under the Fiancée Scheme.
- Solemnize your marriage: Before you can apply for a flat, you must solemnize your marriage within 3 months of the Long-Term Visit Pass (LTVP) or Special Pass issued to your fiancé/fiancée.
- Check your eligibility: Make sure you and your fiancé/fiancée meet the eligibility criteria for an HDB flat. This includes being a Singapore Citizen or Permanent Resident, being eligible for marriage, and not owning any other property.
- Apply for a flat: You can apply for an HDB BTO flat during the flat application exercise. Choose the preferred location, flat type, and submit your application online. Take note of the resale completion date and key collection appointment.
- Submit your marriage certificate: After your marriage, you need to submit a photocopy of your marriage certificate to HDB. This is to ensure that you have fulfilled the requirement of solemnizing your marriage within the specified timeframe.
- Special conditions: There are some special conditions to note. For example, if you are applying for a flat as eligible singles, you must convert your flat to a family nucleus within 6 months of your marriage.
- Balance flats: If you do not manage to secure a BTO flat, you can consider the balance flats available under the Sales of Balance Flats (SBF) or Re-Offer of Balance Flats (ROF) exercises.
Listing your fiancé/fiancée in the application and the necessary documents
When applying for an HDB flat under the Fiancée Scheme, it is important to list your fiancé/fiancée in the application and provide the necessary documents.
- Marriage within 3 months: You and your fiancé/fiancée need to solemnize your marriage within 3 months of the LTVP or Special Pass issued. This is a requirement for applying for an HDB flat under the Fiancée Scheme.
- Submit a photocopy of the marriage certificate: You must submit a photocopy of your marriage certificate as proof of your marriage. Make sure to keep the original copy safely.
- Family nucleus: Your fiancé/fiancée will be part of your family nucleus for the purpose of the HDB flat application. This entitles you to various housing grants such as the CPF Housing Grant and the Proximity Housing Grant.
- List essential occupiers: Apart from your fiancé/fiancée, you need to list all essential occupiers in the flat application. This includes children, parents, and siblings that you plan to include in the family nucleus.
- Other necessary documents: Besides the marriage certificate, you may need to provide additional documents depending on your situation. These can include proof of legal custody (for children), CPF Housing Grant application form, and Debt Consolidation Plan (if applicable).
By following the necessary steps and providing the required documents, you can navigate the application process smoothly and make your dream of having a home a reality.
HDB Resale Flat and the Fiancée Scheme – Public Scheme
As a single Singapore citizen, it is imperative that you take note of the requirement to solemnise your marriage within three months from the resale completion.
This stipulation must be adhered to without delay, as failure to do so may result in penalties or even the nullification of your marriage.
The Singapore government places great importance on the legalisation of marriages, and therefore, it is essential that all citizens comply with the necessary guidelines.
It is crucial to approach this matter with seriousness and responsibility, as it not only affects the legal status of your relationship but also holds significance in terms of your rights and entitlements as a married couple.
Must solemnise your marriage within 3 demonstrates your commitment and dedication to upholding the legal requirements set forth by the government.
Therefore, it is of utmost importance that you make all necessary arrangements and complete the necessary paperwork within the designated timeframe.
Failure to do so could potentially have adverse consequences, and it is in your best interest to comply with the law and solemnise your marriage promptly.
When applying for a smaller resale flat purchase, certain crucial details must be taken into consideration.
Firstly, it is essential to ensure that your fiancé or fiancée must is listed as a co-applicant on the flat application.
This demonstrates the shared responsibility and commitment of both individuals in purchasing a property together.
Moreover, the date of the flat application becomes significant as it determines the priority in the selection process.
Thus, it is advisable to submit the application as early as possible to increase the chances of securing a desirable flat.
Another important factor to bear in mind is the key collection of the resale flat.
It is imperative to be present and punctual during this process as it symbolizes the official handover of responsibility and ownership of the property.
Lastly, it is important to recognize the significance of the resale flat as a family nucleus.
The flat serves as a foundation for relationships, growth, and stability, enabling couples to build a home together and create lasting memories.
Therefore, being mindful of these aspects ensures a smooth and successful journey towards becoming homeowners.
When it comes to housing options in Singapore, being able to retain a flat is of utmost importance.
The process of purchasing a resale flat involves a long and arduous journey of paperwork and financial commitments.
From submitting the necessary documents to navigating through legal procedures, every step is vital to ensure a smooth transaction.
Similarly, for those considering Build-to-Order (BTO) applications, it is crucial to be well-informed and prepared.
Due to the increasing demand for housing, the competition for BTO flats can be fierce, with limited availability and quotas.
Therefore, it is essential to understand the eligibility criteria and submit applications promptly.
However, for those who wish to buy a resale flat, there are certain conditions to be met.
One of the primary requirements is that the flat must be smaller than the current one, to encourage the turnover of older properties.
Despite the challenges involved in acquiring a home, Singapore’s government has implemented policies to ensure fair and accessible housing options for its citizens.
Eligibility and considerations for buying an HDB resale flat under the Fiancée Scheme
If you are a Singapore citizen or a permanent resident planning to purchase an HDB resale flat with your fiancée, you may be eligible for the Fiancée Scheme.
This scheme allows engaged couples to apply for a flat together before they officially get married.
Here are some key eligibility criteria and considerations to keep in mind:
- Eligibility: To qualify, both you and your fiancée must be at least 21 years old and intend to marry within 3 months of obtaining the flat. You must also have met the Minimum Occupation Period (MOP) of your current HDB flat or have disposed of it before applying for the resale flat.
- Essential Occupiers: Besides you and your fiancée, the Fiancée Scheme requires that at least one of your parents or children is included as an essential occupier in the resale flat.
- Income Ceiling: The combined income of both applicants should not exceed the income ceiling set by the HDB, which is currently $16,000 for couples buying a resale flat.
- Resale Levy: If either you or your fiancée had previously enjoyed a housing subsidy or bought a new flat directly from HDB, you may be required to pay a resale levy when purchasing a second HDB flat.
- Considerations: Before applying, make sure you have carefully thought about the financial aspects of owning a resale flat, including monthly mortgage payments, maintenance fees, and renovation costs.
CPF Housing Grant and other housing grants under the HDB for Fiancée Scheme applicants
To assist couples purchasing their first HDB flat under the Fiancée Scheme, the HDB offers various housing grants, including the CPF Housing Grant.
Here are some important details about these grants:
- CPF Housing Grant: Eligible first-time homebuyers can receive a Central Provident Fund (CPF) Housing Grant of up to $50,000, depending on their income and flat type. This grant can help offset the cost of the resale flat and reduce the amount of cash required for down payment.
- Special Marriage License: Applicants who need to apply for a special marriage license can also apply for the Half-Housing Grant. This grant is separate from the CPF Housing Grant and provides additional financial assistance.
- Other housing grants: The Ministry of Social and Family Development also offers various housing grants, such as the Singles Grant and the Enhanced CPF Housing Grant, for eligible applicants.
- Housing loans and subsidies: In addition to housing grants, applicants may also be eligible for housing loans and subsidies from the HDB and other financial institutions. These can further help reduce the financial burden of purchasing a resale flat.
- Allowances for applicants: Applicants who are orphans or have siblings that are orphans may also be entitled to additional allowances under the Fiancée Scheme.
Applying for an HDB resale flat under the Fiancée Scheme can provide couples with a chance to secure their future home before marriage.
However, it is essential to understand the eligibility criteria and the different housing grants available to make the process smoother.
It is recommended to seek professional advice from HDB or a qualified property agent to ensure that you meet all requirements and fully understand the financial implications before making your
Understanding the Fiancée Scheme
If you and your partner are planning to solemnize your marriage within the next three months, then you may want to consider the Joint Singles Scheme.
This scheme, offered by the Housing and Development Board (HDB), enables Singaporean singles aged 35 and above to jointly purchase a flat from HDB.
With the aim of encouraging singles to settle down and form stable families, the HDB understands the importance of providing affordable housing options for all Singaporeans.
By taking advantage of this scheme, you and your partner can have the opportunity to own a flat from HDB within a short period of time.
To explore this option further, it is recommended that you schedule an appointment with the HDB Branch nearest to you.
They will be able to provide you with detailed information about the eligibility criteria, application process, and other aspects of the Joint Singles Scheme.
Take this opportunity to secure a stable future and make one of the most significant commitments of your life.
If you are considering purchasing a flat or executive condominium in Singapore and you and your partner need to solemnise your marriage, it’s important to be aware of certain regulations.
If you are looking for a subsidised flat, you should note that the Housing and Development Board (HDB) requires that you have obtained your marriage licence from the Ministry of Community Development, Youth and Sports (MCYS) within the last 30 months.
This means that your marriage should have taken place within this timeframe for you to be eligible for a subsidised flat or executive condominium.
It’s crucial to adhere to these guidelines as failure to do so may result in your application being rejected.
Therefore, it is advisable to ensure all necessary paperwork is in order before pursuing the purchase of a flat or executive condominium.
By following these requirements, you can have peace of mind knowing that you have fulfilled all the necessary conditions to apply for a subsidised flat or executive condominium.
Benefits and advantages of the Fiancée Scheme for couples
The Fiancée Scheme in Singapore is designed for couples who are considering marriage and wish to purchase a Housing and Development Board (HDB) flat together.
Under this scheme, both the citizen and non-citizen fiancé/fiancée can apply to buy an HDB flat.
One of the main benefits of the Fiancée Scheme is that it allows couples to qualify for certain housing grants provided by the government.
For example, the CPF Housing Grant is available for first-timer families where one spouse is a Singapore citizen and the other is a non-citizen.
This grant provides financial assistance to eligible couples purchasing an HDB resale flat or a new HDB flat.
Additionally, under the Fiancée Scheme, couples can retain the flat booked under the Non-Citizen Spouse scheme, even if one of the spouses is not a citizen.
This means that the non-citizen fiancé/fiancée can continue to stay in the flat with their spouse, even if their citizenship status changes or they are no longer legally married.
To be eligible for the Fiancée Scheme, there are certain conditions that need to be fulfilled.
Both the citizen and non-citizen fiancé/fiancée must be at least 21 years old, and they must have booked an uncompleted flat or applied for a flat together under a public scheme.
The monthly household income of the couple must also not exceed the income ceiling set by HDB.
Half-housing Grant and allowances for food
Another advantage of the Fiancée Scheme is that eligible couples may qualify for the Half-Housing Grant.
This grant provides a partial subsidy towards the purchase of an HDB flat. The amount of the grant depends on the monthly household income of the couple.
In addition to the Half-Housing Grant, the Fiancée Scheme also allows couples to receive allowances for food, which can be used to offset the cost of meals.
These allowances are deposited into the couple’s CPF accounts and can be accessed monthly.
It’s important to note that essential occupiers, such as the applicant’s children or parents, must also be listed in the application to be eligible for the Fiancée Scheme.
This ensures that families can be properly housed and supported.
The Fiancée Scheme in Singapore provides numerous benefits and advantages for couples who are considering marriage and wish to purchase an HDB flat together.
From housing grants to allowances for food, this scheme helps make homeownership more affordable and accessible for eligible couples.
Quick overview of the Singapore fiancée scheme for HDB
The Singapore fiancée scheme for HDB offers a unique opportunity for couples who are not yet married but are in a committed relationship to apply for a flat together.
This scheme is designed to provide affordable housing options and support young couples who are on their way to starting a family.
To be eligible for this scheme, both the Singaporean citizen and their non-citizen fiancé(e) need to meet certain conditions.
The scheme is open to those who are engaged to be married and have immediate plans to get married within three months from the date of application.
The couple must be at least 21 years old and the non-citizen fiancé(e) must hold a valid Visit Pass issued with at least 6 months of remaining validity.
Under the fiancée scheme, couples can choose from a range of HDB flat types, including new flats, executive condominiums, and resale flats.
They can also enjoy the benefits of various housing grants, such as the Additional CPF Housing Grant (AHG) and the Special CPF Housing Grant (SHG), which can help make the purchase more affordable.
It is important to note that owning a residential property or having a deceased parent who owned residential property may affect the couple’s eligibility.
Additionally, first-timer applicants are given priority in the ballot process for certain flat types.
To complete the purchase, the couple will have to pay various fees and taxes, including the Stamp Duty and other administrative fees.
Once the flat is successfully purchased, they can enjoy the benefits of public housing, such as access to amenities and a community-oriented living environment.
Overall, the Singapore fiancée scheme for HDB is a great option for couples who are in a committed relationship and are looking to start their journey as a family.
It provides affordable housing options and support to help them build a stable and comfortable future together.
Frequently Asked Questions
What are the eligibility criteria for the Fiancé-Fiancée scheme for HDB?
The Fiancé-Fiancée scheme for HDB is open to Singapore citizens or permanent residents who are engaged to be married.
What is the income ceiling for the Fiancé-Fiancée scheme?
The income ceiling for the Fiancé-Fiancée scheme is $14,000 for families and $7,000 for singles.
Can I apply for CPF housing grants under the HDB Fiancé - Fiancée scheme?
Yes, if you meet the eligibility criteria, you can apply for CPF housing grants such as the Enhanced Housing Grant or the Family Grant.
How do applicant for a BTO flat under the Fiancé-Fiancée scheme?
To apply for a BTO flat under the Fiancé-Fiancée scheme, you need to submit an application online through the HDB website during the specified application period.
What is the difference between a HDB BTO flat and a resale flat?
A BTO flat is a brand new flat sold directly by HDB, while a resale flat is a flat that has been previously owned by someone else.
Can I list my fiancé/fiancée listed in the application if we are not married yet?
No, you can only list your fiancé or fiancée in the application if you have solemnized your marriage within the last 3 months from the date of resale completion.
Can I apply for a flat under the Fiancé-Fiancée scheme if I am single?
No, the Fiancé-Fiancée scheme is specifically for couples who are engaged to be married.
Can I buy an HDB flat under the Fiancé-Fiancée scheme if I own a private property?
No, you are not eligible to buy an HDB flat under the Fiancé-Fiancée scheme if you or your fiancé/fiancée own a private property.
Can I apply for the Fiancé-Fiancée scheme if my partner is a Singapore Permanent Resident?
Yes, as long as you are a Singapore citizen, you can apply for the Fiancé-Fiancée scheme even if your partner is a Singapore Permanent Resident.
What housing grants are available under the Fiancé-Fiancée scheme?
The Fiancé-Fiancée scheme allows you to apply for CPF housing grants such as the Enhanced Housing Grant or the Family Grant.