Types of Scheme
Eligibility criteria
To be eligible for HDB resale flats, you must fulfill all the followings:
In addition to the above, you'll also need to fall under these schemes before you buy an HDB resale flat:
Public Scheme:
If you're planning to buy a resale flat with a family member, for example, wife and children, parents and siblings, and your children
Fiancé/ Fiancée Scheme:
If you want to buy a resale flat with your fiancé/ fiancée
Single Singaporean Citizen Scheme:
Singaporean singles who want to buy an HDB resale flat (you'll need to be 35 years old or above if you're unmarried/divorced, or 21 years or above if you're widowed or an orphan).
Joint Singles Scheme:
Singaporean singles who want to jointly buy an HDB resale flat together (have to be 35 years old or above if you're unmarried/divorced, or 21 years or above if you're widowed or an orphan)
Non-Citizen Spouse Scheme:
If you're buying a resale flat with your spouse who is either on a Long Term Visit Pass or Work Pass
Non-Citizen Family Scheme:
If you're a single Singaporean looking to buy a resale HDB flat but with your family members aren't Singaporean citizens or Singaporean PRs
Orphans Scheme:
If you and your siblings are orphan and single and want to jointly buy a resale flat together
Conversion Scheme:
When you and your family members want to buy into adjoining flats that are 3-room or smaller and combine them into one unit
Note: Full eligibility criteria of the various schemes on HDB's portal.
Before you can buy a resale flat, you will also need to ensure that you are within the ethnic quota of that particular block or neighbourhood. If you are a non-Malaysian PR, you will also have to make sure the quota for PRs has not been exceeded.
The ethnic and PR quotas are updated on the first of every month and affect resale applications in that month. As such, you may have to check the quotas again if you submit your application in a later month.
Finance or fiancée Scheme
You and your fiancé or fiancée must:
Single Singapore Citizen Scheme
For orphans:
Joint Singapore Scheme
Orphans Scheme
To be eligible for HDB resale flats, you must fulfill all the followings:
- At least one Singaporean citizen or two Singapore Permanent Residents listed in the flat application
- At least 21 years and above if you're buying in an approved family nucleus, or 35 years if you're buying as a single
- Within the Ethnic Integration Policy and Singapore Permanent Resident quota of the block/neighbourhood
- Not own any other residential properties or any houses/buildings/land whether locally or overseas, or have disposed of them in 6 months before resale flat application
In addition to the above, you'll also need to fall under these schemes before you buy an HDB resale flat:
Public Scheme:
If you're planning to buy a resale flat with a family member, for example, wife and children, parents and siblings, and your children
Fiancé/ Fiancée Scheme:
If you want to buy a resale flat with your fiancé/ fiancée
Single Singaporean Citizen Scheme:
Singaporean singles who want to buy an HDB resale flat (you'll need to be 35 years old or above if you're unmarried/divorced, or 21 years or above if you're widowed or an orphan).
Joint Singles Scheme:
Singaporean singles who want to jointly buy an HDB resale flat together (have to be 35 years old or above if you're unmarried/divorced, or 21 years or above if you're widowed or an orphan)
Non-Citizen Spouse Scheme:
If you're buying a resale flat with your spouse who is either on a Long Term Visit Pass or Work Pass
Non-Citizen Family Scheme:
If you're a single Singaporean looking to buy a resale HDB flat but with your family members aren't Singaporean citizens or Singaporean PRs
Orphans Scheme:
If you and your siblings are orphan and single and want to jointly buy a resale flat together
Conversion Scheme:
When you and your family members want to buy into adjoining flats that are 3-room or smaller and combine them into one unit
Note: Full eligibility criteria of the various schemes on HDB's portal.
Before you can buy a resale flat, you will also need to ensure that you are within the ethnic quota of that particular block or neighbourhood. If you are a non-Malaysian PR, you will also have to make sure the quota for PRs has not been exceeded.
The ethnic and PR quotas are updated on the first of every month and affect resale applications in that month. As such, you may have to check the quotas again if you submit your application in a later month.
Finance or fiancée Scheme
You and your fiancé or fiancée must:
- Register your marriage with the Registry of Civil Marriages or Registry of Muslim Marriages
- Submit your marriage certificate to us within 3 months from resale completion date
- You must submit your marriage certificate on or before the resale completion date
- If your fiancé or fiancée is between 18 and 21 years old, his/ her parents must agree to the purchase.
- If your fiancé or fiancée is below 18 years old, you need to apply for a Special Marriage Licence from the Ministry of Social and Family Development and submit it to us for verification.
- Interim Judgment (previously known as Decree Nisi)
- Order of Court
- Final Judgment (previously known as Decree Nisi Absolute)
Single Singapore Citizen Scheme
For orphans:
- At least one of your deceased parents must have been an SC or SPR
- If you are below 35 years old, you must not have another sibling who is below 35 years old buying/ owning another flat under the:
- Orphans Scheme
- Single Singapore Citizen Scheme
- Joint Singles Scheme
Joint Singapore Scheme
- The flat must be bought jointly, i.e. each single SC must be listed as a co-applicant
- For orphans
- At least one of your deceased parents must have been an SC or SPR
- If you are below 35 years old, you must not have another sibling who is below 35 years old buying/ owning another flat under the:
- Orphans Scheme
- Single Singapore Citizen Scheme
- Joint Singles Scheme
Orphans Scheme
- Your application must comprise yourself (an unmarried orphan) and your unmarried sibling(s)
- At least one of your deceased parents must have been an SC or SPR
- If you are below 35 years old, you must not have another sibling who is below 35 years old buying/ owning another flat under the:
- Orphans Scheme
- Single Singapore Citizen Scheme
- Joint Singles Scheme