Understanding HDB Income Ceiling for BTO and Resale Flats: A Comprehensive Guide

by | Jun 12, 2023

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HDB eligibility ensures that affordable housing is accessible to those who need it the most, and it involves criteria such as citizenship, income, family nucleus, and previous property ownership.

In this article, we’ll guide you through the eligibility requirements, different types of flats, housing grants, financing options, ownership changes, and more.¬†

Get ready to embark on your journey to owning an HDB flat and securing your future.

Key Takeaways

Key Takeaway Information
HDB eligibility importance HDB eligibility ensures that affordable housing is accessible to those who need it the most by setting criteria such as citizenship, income, family nucleus, and previous property ownership.
Checking HDB eligibility Eligibility can be checked through the HDB website or electronic kiosks by providing Singpass and supporting documents. The assessment will be done through HDB’s online portal.
Different types of HDB flats HDB offers various types of flats, including Studio Apartments, 2-room Flexi Flats, 3, 4, 5-room Flats, Executive Flats, and HUDC Flats. Each flat type has its own eligibility criteria that should be understood before purchasing.
Precautions for sharing information Sensitive information should be shared only through official secure websites like the HDB website. Additional precautions include verifying the website’s URL and avoiding sharing personal information over unsecured networks.
Eligibility conditions for HDB resale flats Resale flats have eligibility conditions based on factors such as citizenship, income ceiling, family nucleus, and owner restrictions. Applicants must meet the minimum occupancy period (MOP) before selling the flat. Non-citizens require government approval to purchase resale flats.
Eligibility criteria for housing grants Various housing grants are available for eligible Singaporeans. The eligibility criteria include citizenship, income ceiling, family nucleus, and property ownership.
Eligibility requirements for housing loans Housing loans have eligibility requirements based on factors like citizenship, income, age, credit rating, and loan amount. HDB loans and CPF OA loans are only applicable to HDB flats, while bank loans are more flexible.
Eligibility requirements for ownership changes Ownership changes have eligibility requirements based on the relationship between the owner and prospective owner and their citizenship status. Required documents and eligibility criteria depend on the type of ownership change.
Eligibility criteria for singles and non-citizen spouses Singles and non-citizen spouses have specific eligibility criteria based on factors such as citizenship, age, income ceiling, and past property ownership. Eligibility can be checked on the HDB website with the required supporting documents.
Eligibility criteria for families with children and first-time applicants Families with children must meet eligibility criteria such as having a Singapore Citizen (SC) or Singapore Permanent Resident (SPR) status and a core family nucleus. First-time applicants are those who have never received housing grants or bought an HDB flat before.
Eligibility schemes for Singapore Citizens and Permanent Residents Singapore Citizens and Permanent Residents have different eligibility criteria and various schemes available for flat purchase, including Build-to-Order (BTO) and Sale of Balance Flats (SBF). Singles and extended families also have specific schemes.
Factors to consider before purchasing an HDB flat Before buying an HDB flat, factors like household income, eligibility for resale schemes, and legal and financial obligations must be considered. The HDB Flat Portal provides information and official website links for booking flats.
Eligibility criteria for senior citizens and special marriage cases Senior citizens aged 55 years and above have eligibility criteria for flat purchase, and special marriage cases can apply under specific schemes. The criteria depend on factors like age, citizenship, and relationship status.
Eligibility criteria for overseas allowances and non-residential properties Overseas allowances have eligibility criteria for Singapore Citizens working or residing overseas, while non-residential property purchase has criteria based on citizenship and age.
Restrictions for purchasing non-mature estates Non-mature estates have restrictions during the initial launch period,

Introduction to HDB Eligibility and its Importance

Introduction to HDB Eligibility and its Importance

What is the HDB?

The Housing and Development Board (HDB) is a statutory board under the Ministry of National Development, Singapore.

Established in 1960, HDB is responsible for public housing in Singapore and manages over 1 million flats across the country.

 

Why is HDB Eligibility important?

HDB eligibility is essential for purchasing and owning a public housing flat in Singapore.

The eligibility conditions are determined by HDB and the government to ensure that housing is made available to those who need it the most.

Eligibility ensures that only those who meet the criteria can buy and own HDB flats, minimizing the risk of over-purchasing and increasing the availability of affordable housing.

 

How to check your HDB Eligibility?

Eligibility checks can be done through the HDB website or electronic kiosks located throughout Singapore.

You will need to provide your Singpass and other supporting documents, such as your income statement, CPF statement, and previous property ownership documents.

The completed form will then be assessed and notified through HDB’s online portal.

Understanding the Different Types of Flats and Their Eligibility Criteria

What are the different types of HDB flats?

There are several types of HDB flats in Singapore, including Studio Apartments, 2-room Flexi Flats, 3, 4, and 5-room Flats, Executive Flats, and HUDC Flats.

Each flat type has its eligibility criteria, and it’s important to understand them before purchasing.

 

What are the eligibility criteria for HDB flats?

The eligibility criteria for HDB flats are based on various factors, including citizenship, age, income, family nucleus, previous property ownership, and essential occupiers.

For instance, to buy a 2-room Flexi Flat, one must be at least 55 years old or have a combined income of $14,000 per month.

The list of eligibility criteria is extensive and should be reviewed before considering purchasing an HDB flat.

 

What are the added precautions for sharing

sensitive information?

To ensure that sensitive documents and information are not compromised, sharing information through official, secure websites is essential.

The HDB website is a secure platform to apply for HDB’s schemes and services.

However, taking additional precautions, such as verifying the website’s URL and not sharing personal information over unsecured networks, is essential.

Eligibility Conditions for HDB Resale Flat Application

Eligibility Conditions for HDB Resale Flat Application

What is an HDB resale flat?

An HDB resale flat is a flat that has been previously owned by another person and is sold in the open market.

Resale flats can be relatively cheaper and allow for immediate occupancy, but they are subject to certain eligibility conditions.

 

What are the eligibility conditions for HDB resale flats?

The eligibility conditions for HDB resale flats include citizenship, income ceiling, family nucleus, and owner restrictions.

For example, a resale application can only be made after meeting the minimum occupancy period (MOP) of five years.

After the MOP, flat owners can sell their flats to Singapore citizens or Singapore permanent residents (SPRs).

Non-citizens cannot purchase resale flats without obtaining government approval.

 

How to buy an HDB resale flat?

To purchase an HDB resale flat, you must first check your eligibility on the official HDB website.

You can then view resale flats on HDB’s Resale Portal, engage a licensed HDB resale agent to help you with the sale and purchase transaction and submit your resale application through a registered salesperson.

Exploring the Eligibility Criteria for Various Housing Grants

What are the different types of housing grants?

HDB offers various housing grants to eligible Singaporeans to make HDB flats more affordable.

Some of the housing grants include the Additional CPF Housing Grant (AHG), Special CPF Housing Grant (SHG), and Proximity Housing Grant (PHG).

 

What are the eligibility criteria for housing grants?

The eligibility criteria for housing grants include citizenship, income ceiling, family nucleus, and property ownership.

For example, the AHG is applicable to first-time buyers earning a combined income of not more than $5,000 per month, while the SHG is for first-time buyers earning a combined income of not more than $8,500 per month.

 

How to check eligibility for housing grants?

You can check your eligibility for housing grants on the HDB website.

Provide your Singpass and other supporting documents, and the eligibility criteria will be evaluated based on the given information.

Assessing Eligibility for Housing Loans and Financing Options

Assessing Eligibility for Housing Loans and Financing Options

What are the housing loans and financing options

available?

Housing loans and financing options include but are not limited to, HDB loans, bank loans, and CPF Ordinary Account (OA) loans.

HDB loans and CPF OA loans only apply to HDB flats, while bank loans are more flexible and can be used on private property and HDB flats.

 

What are the eligibility requirements for housing loans?

The eligibility requirements for housing loans include citizenship, income, age, credit rating, and loan amount.

To be eligible for an HDB loan, applicants must have a combined monthly income of not more than $14,000 and not own any other HDB flats or private properties.

 

What are the added precautions in sharing sensitive

information for loans?

It is important to only share sensitive information through official websites and to verify the website’s security before submitting any information.

You must also ensure that you are not sharing your login credentials or personal information on unsecured networks or public computers.

Eligibility Requirements for Different Types of Ownership Changes

What are the different types of ownership changes?

Ownership changes can occur due to various circumstances, such as marriage, divorce, or death.

They include transferring ownership to a spouse, child, or parent and partitioning and amalgamation.

 

What are the eligibility requirements for ownership

changes?

The eligibility requirements for ownership changes are based on the relationship between the owner and the prospective owner and their citizenship status.

For example, if the owner is deceased, the prospective owner may need proof of legal custody to be eligible to own the flat.

 

How to apply for ownership changes?

Applications for ownership changes can be made through HDB’s official website.

The required documents and eligibility criteria will depend on the ownership change type.

Understanding Eligibility for Singles and Non-Citizen Spouses

Understanding Eligibility for Singles and Non-Citizen Spouses

What are the eligibility criteria for singles?

Singles can apply for a new HDB flat or buy a resale one under the Single Singapore Citizen (SSC) or the Joint Singles Scheme (JSS).

Eligibility criteria include citizenship, age, income ceiling, and past property ownership.

 

What are the eligibility criteria for non-citizen spouses?

Non-citizen spouses can own an HDB flat only under the Non-Citizen Spouse Scheme (NCSS) if they are legally married to a Singapore Citizen or Permanent Resident.

The scheme’s eligibility requirements are based on citizenship and financial standing.

 

How to check eligibility for singles and non-citizen spouses?

Eligibility can be checked on the HDB website, through electronic kiosks, or by speaking with a representative.

Required supporting documents include marriage certificates, identity cards, and income statements.

Eligibility Criteria for Families with Children and First-Timer Applicants

What are the eligibility criteria for families with children?

If you are a family with children, you must be a Singapore Citizen (SC) or a Singapore Permanent Resident (SPR) and have a core family nucleus.

A family nucleus refers to the following:

  • You and your spouse and children (if any); or
  • You and your parents and siblings (if any).

 

Divorced or widowed parents with children can also form a family nucleus with their children.

Non-related individuals, including unmarried couples, cannot buy a flat under this scheme.

 

How to determine if you are a first-timer applicant?

A first-timer applicant is someone who has never received any housing grants or has bought an HDB flat before.

Suppose you have previously owned an HDB flat and sold it. In that case, you may be eligible to apply under the Single Citizen or Joint Singles Scheme, subject to a 5-year Minimum Occupation Period (MOP).

Otherwise, you will be considered a first-time applicant.

 

Are there any specific schemes for families with children

and first-time buyers?

Yes, there are different schemes for families with children and first-time buyers.

Under the Parenthood Provisional Housing Scheme (PPHS), eligible first-time families or couples with at least one child below 16 can rent 2-room flats or larger flats from HDB.

The Enhanced Housing Grant (EHG) is available for first-time buyers with children.

The EHG provides a grant of up to $80,000 for families with income of up to $9,000.

For those with an income of up to $14,000, the grant amount is reduced accordingly.

Exploring the Eligibility Schemes for Singapore Citizens and Permanent Residents

Exploring the Eligibility Schemes for Singapore Citizens and Permanent Residents

What is the difference in eligibility criteria for Singapore

Citizens and Permanent Residents?

Singapore citizens and permanent residents have a few differences in eligibility criteria.

SPRs must fulfill a minimum occupancy period (MOP) of 5 years before selling their flats.

They are only allowed to purchase resale flats and not new flats.

In addition, SPRs are not eligible for some of the grants and schemes that are open to SCs.

 

What are the eligibility schemes available for Singapore

Citizens and Permanent Residents?

For SCs and SPRs, various schemes, such as Build-to-Order (BTO) and Sale of Balance Flats (SBF), are available for flat purchase.

There are also eligibility schemes available for singles and extended families.

For instance, singles (unmarried or divorced/widowed) can apply under the Singles Scheme or Joint Singles Scheme.

Under the Multi-Generation Priority Scheme, married children can apply for a flat with their parents.

 

Which schemes are suitable for singles and extended

families?

Singles can apply for 2-room Flexi flats, while extended families can apply for flats under the Multi-Generation Priority Scheme.

It is important to note that single applications cannot be included in family applications.

Important Factors to Consider in the HDB Flat Buying Journey

What are the factors to consider before purchasing an HDB

flat?

Before buying an HDB flat, there are several factors that you need to consider.

Firstly, the household income should meet the eligibility requirements set by HDB.

Secondly, the flat should be eligible for purchase under resale schemes.

Thirdly, you should understand the legal and financial obligations involved in HDB flat purchase.

To make your decision-making process easier, visit the HDB Flat Portal, which provides ample information and official website links for booking flats.

 

How do you determine if a flat is eligible for purchase

under resale schemes?

Eligibility to purchase a resale flat depends on the flat and whether it is within the Minimum Occupation Period (MOP).

MOP is when flat owners cannot sell their flats in the open market.

If the flat is eligible for resale, you can proceed with the purchase after finding a flat that suits your requirements.

To simplify the process, HDB offers a quarterly sales exercise, where prospective buyers can view the available flats and register their interest.

 

What are the financial and legal obligations involved in

HDB flat purchase?

The financial obligations include down payments, monthly installments, and legal fees.

Before applying for a flat, HDB requires you to have a deposit account.

In addition, you must be able to finance the purchase through a financial institution like a bank.

Legal fees are required to be paid to a lawyer for the completion of the sale transaction.

The legal fees incurred include stamp duty and conveyancing fees.

Eligibility Criteria for Senior Citizens and Special Marriage Cases

Eligibility Criteria for Senior Citizens and Special Marriage Cases

What is the maximum age limit for senior citizens to be

eligible for HDB flat purchases?

For senior citizens aged 55 years and above, eligibility criteria must be met to purchase an HDB flat.

The maximum age limit for senior citizens to be eligible for flat purchase is 75 years old.

 

Are there any schemes available for special marriage

cases?

They can apply under the Non-Citizen Spouse Scheme for special marriage cases such as widowers or divorces with children.

Under this scheme, the non-citizen spouse will require a valid Visit Pass and Sustenance allowance.

Individuals who are unmarried and are parents of Singapore Citizen children can apply for the Single Singapore Citizen Scheme (SSC).

 

What are the eligibility criteria for special marriage cases?

The eligibility criteria for special marriage cases are that at least one of the spouses must be a Singapore Citizen.

The couple must have a minimum period of valid Visit Pass, and the non-citizen spouse must fulfill the requirements for Sustenance allowance.

The non-citizen spouse must also be legally married to the Singapore Citizen or SPR.

Understanding Eligibility for Overseas Allowances and Non-Residential Properties

What are the eligibility criteria for overseas allowances?

If you are an SC working or residing overseas, you may be eligible for the Overseas Filipino Worker (OFW) or Non-Citizen Spouse schemes.

To be eligible for the scheme, you must satisfy the criteria of working for a Singapore-registered company and have a valid employment pass.

 

What are the eligibility criteria for the purchase of non-

residential properties?

To be eligible to purchase a non-residential property, the applicant must be an SC or SPR aged 21 years and above.

The applicants must ensure they fulfill the respective eligibility criteria the relevant authority sets.

For instance, an individual willing to purchase commercial property must buy from the market since the HDB does not offer commercial units.

 

What are the restrictions involved in purchasing non-

mature estates?

Non-mature estates refer to estates that have not yet undergone development.

Restrictions apply to non-mature estates to promote the balanced development of housing.

The purchase of flats in non-mature estates is initially restricted to first-timer applicants during the initial launch period.

This period is 1 month from the sales launch.

After this period, the remaining flats will be opened to all eligible flat applicants, regardless of whether they are first-time buyers.

What is HDB Eligibility Criteria?

What is HDB Eligibility Criteria?

Understanding the Basic Scheme

The Basic HDB Eligibility Scheme entails a few basic requirements that a household must meet.

For instance, the household must have Singapore citizenship, including those whose parents or grandparents are citizens.

Furthermore, the applicant cannot own or have previously owned private properties locally or overseas or have disposed of any within the last 30 months.

Other requirements include fulfilling the minimum occupation period (MOP) of five years and having a good intent to buy a property for personal occupation.

 

Eligibility for Subsidized Housing Units

Subsidized flats are a popular choice among HDB applicants due to their lower purchase prices.

Eligibility for these units depends on income guidelines and monthly household income ceilings.

As of May 2019, the income ceiling is SGD 14,000 for an HDB family with up to four members.

However, this condition varies based on your household size and the type of flat you intend to purchase.

 

Proximity Housing Grants: Check Your Eligibility

The Proximity Housing Grant (PHG) is an initiative by the Singapore government to promote family support and stay near each other.

You may qualify for this grant if you purchase a resale flat with or near your parents or married child.

Furthermore, you can receive up to SGD 30,000, making it easier to purchase a more substantial, more comfortable flat for your family.

Eligibility Conditions for Special Housing Subsidies and Fresh Start Housing Scheme

Deceased Parents and Flat Eligibility for Fresh Start

Housing Scheme

The Fresh Start Housing Scheme is a comprehensive plan to provide second-timer families with one prior HDB flat ownership but who lived with non-essential relatives or public rental flats for at least a year with a chance to own a new home.

If the family consists of unwed parents, they may apply for the scheme’s assistance.

If a household parent has passed away, an exemption on flat eligibility will be applied if certain conditions are fulfilled.

 

Income Guidelines and Monthly Household Income Ceilings

for Special Housing Subsidies

HDB offers various housing subsidies based on criteria like income guidelines and household size.

For instance, the Special Housing Grant (SHG) is catered to lower- and middle-income households.

The grant can run up to a maximum of SGD 40,000 per household, making homeownership more accessible.

The Enhanced Housing Grant (EHG) is another type of housing grant introduced in September 2019.

The EHG is more inclusive, with a broader range of households qualifying.

 

Assessment for Special Housing Subsidies

During the HDB eligibility assessment, your gross monthly household income, including all household members’ income sources, is considered.

This assessment determines your eligibility status for various forms of housing subsidies.

Furthermore, the board looks closely at your property and loan eligibility, financial commitments and obligations, and creditworthiness.

Assessing Income Guidelines and Monthly Household Income Ceilings for HDB Eligibility

Understanding the Income Guidelines and Ceilings

Income guidelines and monthly household income ceilings are essential when planning your housing budget.

Your current salary level determines the type of flat you can afford, and income ceilings vary based on household size and flat type.

 

Single or Married: How Your Family Structure Affects Your

Eligibility

HDB eligibility conditions differ for single and married applicants.

Singles may apply for 2-room Flexi units that are more affordable and have a shorter lease period of 99 years.

Married couples, on the other hand, have a wider range of options, including 3-room flats and larger units with longer leases of up to 99 years.

 

Eligibility for First-Timer Families and Those Looking to

Upgrade to a Larger Flat

If you’re a first-time HDB applicant, you may be eligible for enhanced subsidies, which can cost tens of thousands of dollars.

Additionally, if you wish to upgrade to a larger HDB flat and cater to your growing family, the HDB offers a “2-rs to 3-room” option to upgrade to a larger unit when ready.

What You Need to Know About the Application Process

What You Need to Know About the Application Process

Letter Application Process and Validity Period

Eligible buyers must apply to an online platform called the HDB InfoWEB.

If you do not have internet access, you may visit the HDB Sales Office for assistance.

You must also obtain a “Valid Intent” to apply before submitting your application letter to the board.

The application is valid for 90 calendar days, so getting all your paperwork in order is essential.

 

Peak Periods and Wait Times for HDB Eligibility Assessment

During peak periods, the processing time for HDB eligibility assessments increases significantly.

This usually occurs towards the end of the year, so submitting your application well in advance is essential to avoid delays.

Once you submit your application, you can access the preliminary outcome via the HDB InfoWEB within two weeks.

 

Rental Income and Other Income Details Required for

Assessment

Applicants with rental income from properties or other forms of income must specify their particulars in the HDB application.

The income details must be accurate to avoid discrepancies during the eligibility assessment.

Understanding Additional Eligibility Conditions and Grants Available

Resale Levy and Buying Process for Subsidized Flats

You may incur a resale levy if you’re selling your first subsidized HDB flat and intend to buy another unit.

The amount varies based on the type of flat you previously owned and the type you intend to purchase.

If you’re unfamiliar with the buying process for subsidized flats, you can seek assistance from the HDB or a licensed real estate agent.

 

Alimony Allowance and Cost of Living Allowances for

Eligibility Assessment

Regarding HDB eligibility, the board usually considers the household’s financial obligations and commitments, including alimony allowance, cost of living allowances, and essential expenses.

This approach ensures that the household’s budget is adequate to meet its financial obligations before committing to a home purchase.

 

Citizen Top-Up Grant: Eligibility Conditions and Application

Process

Lastly, the Citizen Top-Up Grant is a supplementary grant given to households that are essential occupiers of the HDB flat but have exceeded the income ceiling of the SHG.

The grant is usually disbursed with the SHG and is subject to specific eligibility conditions and application processes.

With the above information on HDB eligibility, you can assess your eligibility for subsidized HDB flats and apply accordingly.

Remember to double-check all criteria before submitting your application and seeking professional assistance when needed.

Conclusion

In conclusion, understanding the HDB eligibility criteria is crucial when considering purchasing a public housing flat in Singapore.

The eligibility conditions ensure that affordable housing is available to those who need it the most, and there are various factors to consider, such as citizenship, age, income, family nucleus, and previous property ownership.

It is important to check your eligibility through the official HDB website or electronic kiosks and take the necessary precautions when sharing sensitive information.

To explore more about HDB eligibility and related topics, we invite you to check out our other informative blog articles.

Discover in-depth information about the different types of HDB flats and their eligibility criteria, explore the housing grants available to make HDB flats more affordable, learn about housing loans and financing options, and understand the eligibility requirements for ownership changes, singles, non-citizen spouses, families with children, first-time applicants, senior citizens, special marriage cases, overseas allowances, non-residential properties, and more.

Our goal is to provide you with comprehensive knowledge to help you confidently navigate the HDB flat buying journey.

Frequently Asked Questions

What is HDB?

HDB stands for Housing Development Board, a statutory board under the Ministry of National Development in Singapore.

It is responsible for public housing in the country.

Who is eligible to buy an HDB flat?

To be eligible to buy an HDB flat, you must meet the eligibility conditions set by HDB, such as citizenship, age, family nucleus, and income.

You can check your eligibility online on the HDB website or at a HDB Hub.

What are the eligibility criteria for an HDB flat?

The eligibility criteria vary depending on the type of flat and the scheme you are applying for, but some of the most common criteria include citizenship, age, family nucleus, and income.

You must also not own any private residential property in the world and have fulfilled the Minimum Occupation Period for any previous HDB purchase, if applicable.

What are the HDB flat schemes available?

There are several HDB flat schemes available, including Built-To-Order (BTO), Sale of Balance Flats (SBF), and Resale flats.

Each scheme has its own eligibility criteria and application procedures.

Can a single person buy an HDB flat?

Yes, a single person can buy an HDB flat if he or she fulfills the eligibility conditions set by HDB.

However, there are some restrictions on the type of flat and location for single Singapore Citizens.

Can a non-citizen buy an HDB flat?

Non-citizens are not eligible to buy a new HDB flat.

However, they may be eligible to buy a resale flat if they meet certain conditions, such as having a Singapore Permanent Resident (PR) status for at least three years.

Can a couple buy an HDB flat if one of them is not a citizen?

Yes, a couple may be eligible to buy an HDB flat if one of them is a Singapore Citizen and the other is a Singapore Permanent Resident or non-citizen.

However, there are some restrictions on the type of flat and location for non-citizen spouses.

Can I change the flat ownership after buying it?

Yes, you can change the ownership of your HDB flat after buying it, subject to HDB’s rules and regulations.

For example, if you want to add or remove a co-owner, you must meet the eligibility criteria and obtain HDB’s approval.

What are the conditions for HDB flat owners?

As a HDB flat owner, you must fulfill certain conditions, such as living in the flat for a minimum period (known as the Minimum Occupation Period), not subletting the whole flat or renting out rooms to non-citizens, and not using the flat for illegal or commercial activities.

Can I buy an HDB flat if I am not eligible?

No, you cannot buy an HDB flat if you do not meet the eligibility conditions set by HDB.

However, there may be some alternative housing options available depending on your circumstances.

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