Applicant 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 it is share custody of your children under the age of 21, written agreement must be obtain from him/her, before the children can be listed in a flat application.
You are not allow to the people listed in the application under this scheme.
Applicant with your spouse-to-be.
You need to submit a photocopy of your marriage certificate to the developer within 3 months* of collecting your keys to the EC unit.
Fiancé/Fiancée between age of 18 to 21
- That person can only be listed as an essential occupier in EC application
- Written consent from that person’s parents/ guardians must be submitted during the EC selection appointment.
Fiancé/Fiancée under age 18
A Special Marriage Licence must be obtain from the Ministry of Social and Family Development and submitted during the EC selection appointment.
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.
Applicant and the 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
Applicant 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.
- Applicant 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
- At least 21 years old
- At least 35 years old, if applying under the Joint Singles Scheme
Applicant total household income must not exceed the $16,000 income ceiling. If your total household income exceed $16,000, please contact us, we will assist you to review the application on case by case basis.
- Applicant do not own private 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
Requirement for undischarged bankrupts
Prior consent must be obtained from the Official Assignee (OA) or the private trustee if applicants are applying to buy an EC. Applicant do not need to seek prior consent from the OA or the private trustee to be listed as an occupier.
Owner/Ex-owner of HDB units / DBSS units / EC units
Applicant 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.
Applicant 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)
- 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)
Resale Levy will be applied to Second-timers applicant.
Owner/Ex-owner of HDB units, DBSS units or EC units
Before applying for the new EC unit, applicant need to check if you or any other flat applicant(s)/ essential occupier(s) to be listed in the EC application own any of these:
- HDB flat bought from HDB or on the open market
- EC unit/ DBSS flat bought from the developer
If so, that person must have already met that flat/ EC’s 5-year before he can apply for a new EC unit. An essential occupier must also have met the flat/ EC's 5-year MOP before he can be listed in a new EC application.
In the case of ECs, you must also wait out a 30-month period from the EC’s effective date of disposal, which we will verify using your Notice of Transfer, or any other such documentation we may require.
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