GENERAL CONDITIONS FOR PURCHASE OF A FLAT UNDER

OCT 2024 SALES LAUNCH

1 Application Conditions And Procedures

2 Flats Sold On Short Lease

3 Eligibility Conditions

4 Other Conditions

5 Priority/ Assistance Schemes

6 Booking Of Flat

7 Enhanced CPF Housing Grant

8 Step-Up CPF Housing Grant

9 Signing Agreement For Lease

10 Taking Possession Of Flat

11 After Taking Possession Of Flat

12 Forfeiture And Wait-Out Period Upon Rejection Of Flat

13 Tagging of Enjoyment of Subsidies

1. APPLICATION CONDITIONS AND PROCEDURES

1.1 Submission of Application Form

(i) You must have a valid HDB Flat Eligibility (HFE) Letter before you can submit
an application to buy a flat from HDB. A non-refundable administrative fee of
$10 is payable by credit card (MasterCard / Visa only) or by scanning the
PayNow QR code using your mobile banking app. For application of a
Community Care Apartment, all applicants will have to subscribe and pay for
 a Basic Service Package under the Basic Service Package Agreement to be
signed between the applicants and the service operator appointed by MOH
(see Clause 2.4)

(ii) The applicant(s) and occupier(s) listed in your new flat application, and their
relevant status, must remain the same as those in your HFE letter
application. If there are any subsequent changes, e.g. changes in household
member(s) e.g. addition/removal of household member(s), marital status,
citizenship, ownership of private properties and the status of an occupier to
an applicant and vice versa, etc, this may affect your eligibility to buy an HDB
flat, obtain CPF housing grants and/or take up an HDB housing loan and
hence, your HFE letter will become invalid. Accordingly, HDB reserves the
right to cancel your new flat application.

(iii) You and any family member listed in the application can only submit one
application under this exercise. If the applicant or any member listed in the
application is listed in more than one application, all the applications will be
disqualified.

(iv) You can only apply for one town/estate and flat category (except for
application for Open Booking of flat where applicants are not required to
indicate the town/estate and flat category).

(v) If you have earlier booked a flat from HDB or an Executive Condominium
(EC) unit from a developer but wish to participate in this exercise, you will
have to cancel your booking first, before submitting a new application under
this exercise (subject to current eligibility conditions) with a valid HFE letter.
The usual forfeiture for such cancellation will apply and the applicants and
the core members will not be eligible to apply for another flat from HDB within
one year after cancellation of booking of the flat.

(vi) Under the Build-To-Order Exercise (BTO) and Sale of Balance Flats Exercise
(SBF), all applicants who have a chance to book a flat based on their balloted
queue number will be deemed successful in their flat application.

(vii) Any request for cancellation of an application for this BTO or SBF exercise
must be submitted and received by HDB within the application period. If the
cancellation request is received after the application period, it will still be
included in the balloting process and be assigned a queue number, where
applicable. If the applicant is shortlisted within 100% of the flat supply, he will
not be eligible to participate in the subsequent sales launches until after his
flat booking appointment and will be treated as one successful application
with a non-selection count. Any ongoing flat applications will also be
cancelled. If the applicant is shortlisted beyond 100% of flat supply and has
a chance to book a flat based on his balloted queue number, it will also be
treated as one successful application with a non-selection count.

(viii) For applications for a Community Care Apartment, by proceeding with the
application, you are consenting, for yourself and on behalf of all person(s)
 listed in the application, the sharing of the (a) personal data of all person(s)
listed in the application and (b) application details (including information
submitted for the assessment of priority flat allocation) among HDB, MOH
and any service provider engaged by MOH for the purpose of processing the
flat application, and planning and administering the programs, activities and
services at the Community Care Apartments. Where you provide or are
providing consent on behalf of another individual listed in the application, you
represent and warrant that you have the valid authority and consent to
provide the same. For the avoidance of doubt, consent herein extends to
allowing any service provider appointed by MOH to contact you and all
person(s) listed in the application for purposes stated herein.

1.2 Points to note for First-timers and First-Timer (Parents and Married Couples)
[FT(PMC)] households (Not applicable to Open Booking of flats)

(a) An applicant/household is considered a *First-timer applicant/household (and

all others considered Second-timer applicants/households) if the applicant(s)
and all other core members listed in the Application Form:
(i) are currently not owner(s) of a flat bought direct from HDB, a Design,
Build & Sell Scheme (DBSS) flat or an Executive Condominium (EC)
unit bought from a developer; or
(ii) have not sold a flat bought direct from HDB, a Design, Build & Sell
Scheme (DBSS) flat or an Executive Condominium (EC) unit bought
from a developer; or
(iii) have not transferred a flat bought direct from HDB or an HDB resale flat
bought under the CPF Housing Grant Scheme; or
(iv) have never been a recipient of any CPF Housing Grant for the purchase
of an HDB resale flat or a Design, Build & Sell Scheme (DBSS) flat or
an Executive Condominium (EC) unit bought from the developer; or
(v) have not sold any HDB flat with re-housing benefits under the Selective
En Bloc Redevelopment Scheme (SERS); or
(vi) have not ever enjoyed other forms of housing subsidy such as SERS
benefits or privatisation of HUDC estate, nor purchased a flat under the
Sale of Flats to Sitting Tenants Scheme.

* For married or fiancé-fiancée couples where one party is a First-timer and

the other party is a Second-timer, HDB will exercise flexibility to treat these
couples as First-timer households in the balloting process and under the
priority schemes. These couples will enjoy the same First-timer privileges
listed under 1.2(d) if the couples comprise two Singapore citizens or one
Singapore citizen and one Singapore permanent resident. They are similarly
subject to the terms mentioned in 1.2(b), 1.2(c) and 1.2(d).
The above is not applicable for couples who had remarried or are remarrying
each other after their divorce.

(b) A household is considered an FT(PMC) household if the family:

 (i) consists of a ^married couple with at least one Singapore citizen child
who is below 19 years old at time of HFE application, or a ^married
couple aged 40 and below; and
(ii) never owned or had an interest or sold a residential property before;
and
(iii) has not had a chance to book a BTO/SBF flat in the past five years prior
to their current flat application.

FT(PMC) households will receive an additional ballot chance on top of the

two ballot chances for first-timer families and enjoy higher priority in BTO and
SBF exercises.

^The couple must be married at the time of flat application.

(c) First-timer families, including FT(PMC) households, will be given more

chances over the Second-timer families in the balloting, subject to the
prevailing policy on ethnic limits and quota of flats available for booking.

(d) First-timer families, including FT(PMC) households, who have a chance to

book a flat based on their balloted queue number will be deemed successful
in their flat application and all the additional chances accumulated from
previous unsuccessful applications starting from Oct 2024 sales launch, if
any, are considered to have been used up. This treatment will also be
applicable to towns where HDB has grouped certain flat-types together for
offer under the same Flat Application Category, e.g. 5-room and Executive
Flats. First-timer applicants who do not book a flat after one (1) successful
application will not be able to enjoy the privileges given to First-timers for a
period of one year, when they participate in subsequent sales exercises.

During the one-year period, if the First-timer family, including FT(PMC),

continues to turn down another chance to book a flat, he/she will continue to
have the First-timer privileges removed for a further period of one year.

(e) First-timer families whose First-timer privileges are removed as mentioned in

1.2 (d) above, will not enjoy the following when they apply for a flat in any
HDB sales exercise within the said period (including the extended period
mentioned in 1.2(d)):
(i) 2 chances in the computer ballot;
(ii) Additional chances for subsequent applications for Standard flats# if
the First-timer families do not have a chance to book a flat in 2 BTO
attempts for Standard flats;
(iii) Higher proportion of flats set aside for First-timer families who apply
under the Married Child Priority Scheme;
(iv) Family and Parenthood Priority Scheme
(Please see clause 1.3 for more information on the Family and
Parenthood Priority Scheme.)

Note :
 Clause 1.2c to 1.2e does not apply to short lease 2-room Flexi flat and
Community Care Apartment First-timer families who have an interest in
private property, locally and overseas, (including those who have disposed
of one within 30 months before the date of HFE application).

# From the October 2024 sales launch onwards, new BTO projects will be classified
as Standard, Plus, and Prime based on their locational attributes:

a. Standard flats will come with the standard subsidies and standard
restrictions that are applied to all BTO flats. They will continue to form the bulk of
the housing supply.

b. Plus flats, a new category of flats, will be in choicer locations within each
region across Singapore (e.g. near MRT station, town centre). These flats will
come with more subsidies and tighter restrictions, compared to the Standard BTO
flats.

c. Prime flats are in the choicest locations within Singapore, usually closer
to the city centre. They will come with the most subsidies across the three
categories and will have the tightest conditions. These flats were previously
offered under the PLH model.

1.3 Applications under the Family and Parenthood Priority Scheme (Not applicable to
Open Booking of flats and application for Community Care Apartment)

(For First-timer households only)

To qualify for the Family and Parenthood Priority Scheme (FPPS):

(a) (i) The applicant and the spouse must be first-timer buyers.
(ii) A Singapore citizen child (natural offspring from legal marriages or
legally adopted) who is below 19 years old at the time of HFE
application; or
(iii) An expectant mother who will be delivering a Singapore citizen child
and declare the particulars of the expectant mother in the Application
Form.

[Note: During flat booking, the expectant mother who applies and shortlisted
under the FPPS will have to provide (i) a doctor’s certification of the
pregnancy and undertake to provide the citizen child’s birth certificate within
six months from delivery or (ii) provide the birth certificate of the citizen child
(if the child is already delivered before the flat booking appointment) before
she can proceed to book a unit.]

(b) Applicants and occupiers listed in the Application Form must form a family
nucleus; and

(c) Applicants and occupiers listed in the Application Form must meet all other
eligibility conditions in buying an HDB flat.
 (d) Under the FPPS, HDB will set aside up to 40% of the total BTO flat supply,
or 60% of the total Sale of Balance Flats flat supply for public applicants.

(e) FT(PMC)s will be accorded first priority under FPPS if they apply for 4-room
or smaller BTO Standard flats. They will similarly be accorded first priority if
the town applied for offered combination of standard and plus projects.

1.4 Points to note for Second-timer Applicants, households who have taken two
housing subsidies and private property owners (not applicable to Open Booking of
flats)

(a) If the applicant(s) have a chance to book a flat based on their balloted queue
number, we will treat this as one successful application.

(b) If the applicant(s) do not book a flat after one (1) successful attempt, the
household will not be allowed to participate in any HDB sales exercises, for
a period of one year. Applicants under the Singles Schemes will not be
allowed to participate in subsequent sales exercises for a period of one year
under the Single Singapore Citizen Scheme, Joint Singles Scheme and Non-
Citizen Spouse Scheme.

The terms mentioned in 1.4 (a) and (b) will apply to the following households:
(i) where the applicant(s) and the other core members have taken one or
two housing subsidies.
(ii) applicant(s) or any person listed in the Application Form or their
spouse(s) have an interest in private property, locally or overseas,
(including those who have disposed of one within 30 months before the
date of HFE application).

1.5 Waiver of non-selection count

An applicant’s non-selection count will be waived if there are 10 or fewer BTO flats
to choose from; or 5 or fewer Sale of Balance Flats to choose from when they are
invited to book their flats.

1.6 Submission of subsequent applications

(a) BTO/ SBF applicants who have received a queue position that is within 100%
of the flat supply will not be eligible to apply for a flat in subsequent BTO/
SBF exercises until after their flat booking appointment.
(b) Upon incurring a non-selection count in a BTO/ SBF exercise, HDB will
cancel any existing applications made by the same applicant for BTO/ SBF
exercises from Oct 2023 onwards.

1.7 Points to note for buying an HDB flat with a Co-applicant

If you and your parent/child buy a flat together and subsequently, one owner
wishes to relinquish his/her interest in the flat, the remaining owners will need to
meet an eligibility scheme and has the financial means to complete the following
in order to retain the flat:
 (a) Discharge the outstanding mortgage loan (if any);
(b) Pay cash consideration (if any) to the outgoing owner;
(c) Refund the CPF savings used (including accrued interest) to the outgoing
owner; and
(d) Pay the fees involved in the transaction.

1.8 Correspondence Address of Applicants

If the correspondence address you have provided in the flat Application Form is
not the residential address on your NRIC or MyInfo profile, and you wish to change
it subsequently, please access e-Service in MyHDBPage via My Flat > Application
Status > New Flat > “Change of Contact Information for Sales Application”.

1.9 Changes in Flat Application

The applicant is required to notify HDB of any changes in the information provided
in the HFE letter/ Application Form and/or of any changes affecting the eligibility
to buy an HDB.

1.10 Payment for flat

a) Applicant(s) who have applied for a flat, will need to make the following
payments:

Point of Payment Item(s) payable

(i) During flat Booking Option Fee of from $500 to $2,000 (based on the
type of flat booked), before HDB grants an Option
to Purchase

(ii) Before Signing Downpayment, related stamp duty and

Agreement for Lease conveyancing fees to the appointed solicitor
before the expiry of the Option

(iii) Before taking Resale levy (for second-timer applicants)

possession of flat
Balance purchase price, related stamp duty and
conveyancing fees to the appointed solicitor

Required payment for the Basic Service Package

(for Community Care Apartments)

b) HDB will notify the applicants via SMS/email when the payments are due.
Payments will be via the payment modes specified by HDB in the SMS/ email
notification.

c) If full payment is not received when due (eg. before the appointment to take
possession of flat), HDB reserves the right to cancel the reserved
appointment.
 d) With the cancellation of the appointment by HDB, HDB will refund the monies
received without accrued interest. For any cash payment received, HDB will
make the refund to the applicants via Interbank GIRO based on the
proportion and bank account details provided by applicants. For any CPF
payment received, HDB will make the refund to the applicants’ respective
CPF account.

1.11 Application Outcome

The information furnished in the HDB Flat Portal/ Approved HFE letter is based on
the data and information provided by the flat applicants and may be subject to
change if there is any new data or information or new policies which affect their
eligibility to proceed with their flat application.

2 FLATS SOLD ON SHORT LEASE

2.1 Community Care Apartment

The Community Care Apartment (CCA) comes with the following features:

(a) Short leases ranging from 15 to 35 years in 5-year increments

If all applicants and their spouses are at least 65 years old at the time of HFE
application, they can choose to buy the flat on a short lease ranging from 15
to 35 years in 5-year increments. The allowable lease period will be based
on the age of the youngest applicant/spouse at the time of HFE application.
The chosen lease must be able to last all applicants and their spouses until
at least age 95. The selection of lease period will be made during the flat
booking.

(Please refer to the table in clause 6.6.)

(b) Supply set aside for priority flat allocation (Applicable to CCA under BTO
only)

Part of the public flat supply will be set aside for households with at least 1
applicant or core member who requires permanent assistance with his/her
activities of daily living. The number of units set aside will vary across
projects.

(Please refer to clause 5.8)

(c) Joint balloting (Applicable to CCA under BTO only)

Up to 2 households (related or unrelated) can apply for joint balloting and

have the chance to book the Community Care Apartments together.

(Please refer to clause 5.9)

 (d) Applicant or the spouse has already taken two housing subsidies or has an
interest in private property

The Community Care Apartment is also extended to the following

households:
(i) applicant(s) or the other core members have already taken two housing
subsidies (please refer to clause 1.2(a)(i) to 1.2(a)(vi) on the various
forms of housing subsidies); or
(ii) applicant(s) or any person listed in the Application Form or their
spouse(s) have an interest in private property; or
(iii) applicant(s) or any person listed in the Application Form or their
spouse(s) have at any time within 30 months before the date of HFE
application bought, transferred or sold any flat, house, building or land,
or any interest in it.

The Community Care Apartment cannot be resold in the open market or

rented out. Applicants who do not need the flat can return the flat to HDB
and HDB will refund the value of the remaining lease of the flat.

2.2 2-room Flexi Scheme

The 2-room Flexi scheme comes with the following features:

(a) Flexi lease option:

(i) 99-year lease or remaining lease years of a 99-year lease; or
(ii) short leases ranging from 15 to 45 years in 5-year increments

If all applicants and their spouses are at least 55 years old at the time of HFE
application, they can choose to buy the flat on a short lease ranging from 15
to 45 years in 5-year increments. The allowable lease period will be based
on the age of the youngest applicant/spouse at the time of HFE application.
The chosen lease must be able to last all applicants and their spouses until
at least age 95. The selection of lease period will be made during the flat
booking.

(Please refer to the table in clause 6.6.)

(b) At least 40% of the public flat supply set aside for the seniors.
An application is considered a senior application if all applicant(s) and their
spouses are at least 55 years old at time of HFE application.

(c) If any of the applicant or their spouse have already taken two housing
subsidies or have an interest in private property, or the average gross
household income is more than $7,000

The 2-room Flexi Scheme is also extended to the following households:

(i) total average gross income of all persons listed in the Application Form
is more than $7,000 but not exceeding $14,000 a month at the time of
HFE application; or
 (ii) applicant(s) or the other core members have already taken two housing
subsidies (please refer to clause 1.2(a)(i) to 1.2(a)(vi) on the various
forms of housing subsidies); or
(iii) applicant(s) or any person listed in the application or their spouse(s)
have an interest in private property; or
(iv) applicant(s) or any person listed in the application or their spouse(s)
have at any time within 30 months before and the date of HFE
application bought, transferred or sold any flat, house, building or land,
or any interest in it.

However, households mentioned in 2(c) are offered only the short-lease 2-

room Flexi flat and applicants must meet the terms mentioned in 2(b) and the
other conditions of purchase and sale under the Build-To-Order System
(BTO).

The short-lease 2-room Flexi flats cannot be resold in the open market or
rented out. Applicants who do not need the flat, can return the flat to HDB
and HDB will refund the value of the remaining lease of the flat.

2.3 Owning and having an interest in property

Applicants or any person listed in the application who own a private property and
are buying a Community Care Apartment or 2-room Flexi flat on short lease, must
dispose of all interest in the private property within six months from the date of
collection of the keys to the new flat.

Conditions 2.3 include HUDC flats and Executive Condominiums, properties

acquired by gift or inheritance, private properties, properties outside Singapore
and properties owned, gained or sold through nominees.

2.4 Basic Service Package

(a) Applicants will be eligible to buy a Community Care Apartment, if they
subscribe to the Basic Service Package with the service operator appointed
by the MOH. Details of the Basic Service Package, including the scope of
services and charges, will be provided in a Basic Service Package
Agreement, which will be signed between the flat applicants and the service
operator appointed by the MOH at the flat booking appointment.

(b) Applicants who do not proceed with the signing of the Basic Service Package
Agreement and/or fail to pay for the Basic Service Package as provided for
in the Basic Service Package Agreement signed between the Applicants and
the service operator as appointed by MOH will be deemed ineligible for the
purchase and will have their flat application cancelled/Agreement for Lease
repudiated. Clauses 12.1, 12.2 and 12.3 for flat booking cancellation will
apply accordingly.

3. ELIGIBILITY CONDITIONS

3.1 Eligible Family Nucleus for 2-room Flexi/3-room/4-room and 5-room flat purchase
 The applicant and occupiers in the Application Form must form a family nucleus
comprising any of the following:

(a) Applicant and his/ her spouse and children, if any (natural offspring from
lawful marriages or legally adopted);

(b) Applicant (single) and his/ her parents; and siblings (if any);

(c) Applicant (widowed or divorced) and children under his/ her legal custody,
care and control;

If the care and control of the child/ren under the age of 21 is shared with other
persons, applicant must obtain the written agreement of these persons
before listing the child/ren in the flat application.

(d) Applicant (single) and his/ her siblings, if parents are deceased (one of the
deceased parents must be a Singapore citizen or Singapore permanent
resident and a copy of the Death Certificates of the parents must be
submitted for verification); or

(e) Applicant and fiancé/fiancée. Both the fiancé and fiancée must be unmarried,
widowed or divorced (with Decree Nisi Absolute/ Interim Judgment Final
granted) at the time of HFE application.

The fiancé/fiancée couple must solemnise their marriage within 3 months

after taking possession of the flat.

If either fiancé/fiancée is below 21 and 18 years old or above, the written

consent of the parents or guardians must be submitted with the application.

(f) Applicant (single) aged 35 years or older at time of HFE application, if he/she
is a First-timer, can buy a 2-room Flexi flat alone.

(g) Any person listed in the flat application who is single at point of application
for HFE letter/ flat application and subsequently married, is required to inform
HDB and to include the spouse in the flat application.

3.2 Eligible Family Nucleus for 3Gen flat purchase

To apply for a 3Gen flat, the applicants and occupiers must form a multi-generation
family comprising any of the following:

(a) *Applicant, his/ her spouse and children, if any (natural offspring from lawful
marriages or legally adopted) and their parents/ married child(ren), where at
least one of the parents/ married child(ren) is a Singapore citizen or a
Singapore permanent resident;
 (b) Applicant (widowed or divorced) and children under his/ her legal custody,
care and control# and his/ her parents/married child(ren), where at least one
of the parents/married child(ren) is a Singapore citizen or a Singapore
permanent resident.

*Applicable to Fiancé/Fiancée applicants who meet the conditions mentioned

in clause 3.1(e).

# If the care and control of the child(ren) under the age of 21 is shared with
other persons, applicant must obtain the written agreement of these persons
before listing the child/ren in the flat application.

(c) For applicants who are booking a 3Gen flat, their parents/married child(ren)
will need to sign a 3Gen undertaking. The signing needs to be witnessed by
an HDB staff either via a video call or in person during the flat booking
appointment so that the parents/married child(ren) can acknowledge the
conditions of booking a 3Gen flat. Read more about the conditions after
purchase of a 3Gen flat.

3.3 Citizenship Requirement

Each family nucleus must comprise at least one Singapore citizen and one
Singapore permanent resident (SC/SPR). Applicant 1 must be a Singapore
citizen. The other applicant(s) and core member(s) can be Singapore citizens or
Singapore permanent residents. If a Singapore permanent resident is listed as
Applicant 1 in the HFE letter, HDB reserves the right to swop him with a Singapore
citizen co-applicant to proceed with the flat application.

3.4 Age
All applicants must be at least 21 years old at the time of HFE application. For
application of a short lease 2-room Flexi flat, all applicants and their spouse(s)
must be at least 55 years old at the time of HFE application. For application of a
Community Care Apartment, all applicants and their spouse(s) must be at least 65
years old at the time of HFE application.

3.5 Income Ceiling

3.5.1 Application to buy a 3-room flat
The total average gross monthly income of all persons listed in the
application must not exceed $14,000 at the time of HFE application.
Depending on the projects, the income ceiling may be adjusted to $7,000,
where applicable.

3.5.2 Application to buy a 4-room/ 5-room/ 3Gen flat

The total average gross monthly income of all persons listed in the
application must not exceed $14,000 at the time of HFE application.

For applications from multi-generation families, the average gross monthly

household income for the extended families must not exceed $21,000 at
the time of HFE application. In addition, the total gross monthly income of
 each basic family unit must not exceed $14,000 at the time of HFE
application.

Read more about calculation of income ceiling for extended family under
“What is the $21,000 extended/ multi-generation family income ceiling?
How do I work it out?”

3.5.3 Application to buy a 2-room Flexi flat

(a) Applicants will be eligible to buy a 99-year lease 2-room Flexi flat, if:
(i) the total average gross monthly income of all persons listed in
the application is not more than $7,000 at the time of HFE
application; and
(ii) the household is a first-timer or second-timer household;
(iii) for Applicants under the Singles Scheme, you must be a first-
timer.

(b) Applicants will be eligible to buy a short-lease 2-room Flexi flat, if:
(i) the total average gross monthly income of all persons listed in
the application is not more than $14,000 as at the time of HFE
application; and
(ii) the application is made by a first or second-timer household; or
the applicant(s) or the core members have already taken two
housing subsidies (please refer to clause 1.2(a)(i) to 1.2(a)(vi)
on the various forms of housing subsidies).

3.5.4 Application to buy a Community Care Apartment

(i) the total average gross monthly income of all persons listed in the
application is not more than $14,000 as at the time of HFE
application; and
(ii) the application is made by a first or second-timer household; or
(iii) the applicant(s) or the core members have already taken two housing
subsidies (please refer to clause 1.2(a)(i) to 1.2(a)(vi) on the various
forms of housing subsidies).

3.6 Ownership/ Interest in Property

A person is not eligible to buy an HDB flat if the person, his/ her spouse, or any
occupiers listed in the application:

(a) is the owner of any other flat, house, building or land* or has an estate or
interest therein; or

(b) has at any time within 30 months before the date of HFE application,
disposed of any flat, house, building or land*, or any interest therein.

*Including and not limited to HUDC flats and Executive Condominiums,

properties acquired by gift/ inheritance, private properties, properties outside
Singapore and properties owned/ acquired/ disposed through nominees/ holding
the property as a trustee or being a beneficiary of a property held on trust.
4. OTHER CONDITIONS

4.1 Change of Applicant/ Occupier

The applicant(s) and occupier(s) listed in your new flat application must remain the
same as those in your HFE letter application. Any request for a change of
applicants/ occupiers listed in the HFE letter and flat application is subject to HDB's
approval. If the existing applicants/ occupiers become ineligible to continue with
the flat purchase, the application will be cancelled and all monies paid will be
forfeited. Refer to clause 1.1(ii)

4.2 No withdrawal of Core Member(s)

Core members refer to the applicant(s) and occupier(s) in an HFE letter application
who enable the applicant(s) to qualify for a flat purchase under an eligibility
scheme. All core members must remain in the flat application, and physically
occupy the flat during the minimum occupation period (MOP) after the flat
purchase. The MOP is 5 years for Standard flats and 10 years for Plus flats and
Prime flats.

4.3 Ethnic Classification

If couples/ flat applicants are of the same ethnic group, the household will be
classified based on their ethnic group. For couples/ flat applicants of different
ethnic groups, they can request to classify their household under the applicant's
or the spouse's ethnic group and the option made is final and irrevocable.

For applicants with double-barrelled race listed in their Identity Cards, only the first
ethnic group of the double-barrelled race will be considered. For example, if an
applicant has a double-barrelled race of “Indian-Chinese”, only “Indian” will be
used in the ethnic classification process. This ensures the same treatment for
applicants with singular or double-barrelled race.

The ethnic classification of the household at the point of flat purchase will remain
unchanged when they later sell the flat.

4.4 Wait-out Period

(a) Existing Owner or Ex-owner of an HDB Flat/ Prime Location Public Housing
flat/ Executive Condominium (EC) unit

An applicant, his/ her spouse or any core member listed in the application
who is an existing owner or ex-owner of a flat bought directly from HDB, or a
resale flat bought with the CPF Housing Grant or a Design Build and Sell
Scheme (DBSS) flat/ Executive Condominium (EC) unit bought from a
developer, may apply to buy an HDB flat on condition that a 5-year period
(excluding any period of renting out the whole flat) has lapsed from taking
possession of that flat/ EC unit to the date of HFE application. For applicant,
or any core member listed in the application who is an existing owner or ex-
 owner of a Prime Location Public Housing flat, Plus flat and Prime flat, bought
directly from HDB, may apply to buy an HDB flat on condition that a 10-year
period has lapsed from taking possession of that flat to the date of HFE
application.

(b) Core member of an Existing HDB flat/ Prime Location Public Housing flat/
Executive Condominium (EC) unit

Any person currently listed as a core member of an existing HDB flat bought
directly from HDB, or a resale flat bought with or without the CPF Housing
Grant or a Design Build and Sell Scheme (DBSS) flat / Executive
Condominium (EC) unit bought from a developer, may apply to buy an HDB
flat or be listed as an occupier only if he/ she has stayed in the existing flat/EC
unit for at least 5 years from taking possession of the existing flat/EC unit to
the date of HFE application. Core member of an existing Prime Location
Public Housing flat, Plus flat or Prime flat, may apply to buy an HDB flat/ or
be listed as an occupier only if he/ she has stayed in the existing Prime
Location Public Housing flat, Plus flat or Prime flat for at least 10 years from
taking possession of the existing flat to the date of HFE application.

(c) Cancellation of flat booked

Applicants and the core members of the cancelled application will not be
eligible to apply to buy another flat from HDB within one year after the
cancellation.

(d) One-year wait-out period for applicants who do not book

Second-timer applicants and first-timer singles (including non-citizen spouse
scheme) who do not book a flat when they are successful, will not be allowed
to participate in the subsequent sales launches, including the open booking
of flats, for a period of one year.

4.5 Ownership of a Resale Flat

An applicant, or any core member listed in the application who is an existing owner
of a resale flat bought without the CPF Housing Grant, may apply to buy an HDB
flat on condition that a 5-year period (excluding any period of renting out the whole
flat) has lapsed from taking possession of that resale flat to the date of HFE
application. An applicant, or any core member listed in the application who is an
existing owner of a resale Prime Location Public Housing flat, Plus flat or Prime
flat bought without the CPF Housing Grant, may apply to buy an HDB flat on
condition that a 10-year period has lapsed from taking possession of that resale
Prime Location Public Housing flat, Plus flat or Prime flat to the date of HFE
application.

An applicant who has booked a flat in a Build-To-Order, Sale of Balance Flats, or

the open booking of flats, will have his/her flat application cancelled if he/she or
any core member listed in the flat application buys a resale flat after booking a
flat. The relevant financial forfeiture for cancellation of application will apply.
4.6 Payment of premium/ resale levy for purchase of second subsidised flat from HDB

If your household has taken a housing subsidy previously, you and/or the
occupier(s) who have enabled your household to qualify for the current flat
purchase must pay any sales premium or resale levy due to HDB before you can
take possession of the flat from HDB. If the sales premium or resale levy or any
part thereof remains unpaid by you and/or the occupier(s), this shall constitute a
debt owed to HDB. The sales premium to be paid is a percentage of the new flat
price. The resale levy is a percentage charged based on the resale price of the
subsidised flat sold or 90% of the market valuation, whichever is higher, if the flat
is sold before 3 Mar 2006. Since 3 Mar 2006, the resale levy is a fixed amount
based on the flat type of the subsidised flat sold.

For the purchase of a 2-room Flexi flat on short lease or a Community Care
Apartment, you must pay the lower of the resale levy or $30,000, pro-rated
according to the lease tenure chosen.

5. PRIORITY/ ASSISTANCE SCHEMES (Not applicable to Open Booking of Flats)

5.1 Important Notes

Applicants may wish to apply for an HDB flat under one of the following Priority or
Assistance schemes. The conditions for the Priority/ Assistance Schemes (known
as the 'Conditions of the Scheme') shall be in addition to all of HDB's conditions of
purchase. In the event of any inconsistency between the Conditions of the Scheme
and the General Conditions For Purchase Of A Flat, the Conditions of the Scheme
shall prevail.

Each applicant is allowed to apply for only one of the Priority Schemes and will be
given priority allocation in accordance with HDB’s prevailing policies.

In the event of death, divorce or separation of any person listed in the application
after approval of the application under any of the Priority Schemes, the applicant
must produce the relevant documents (e.g. Death Certificate, divorce documents,
Deed of Separation) to HDB for verification within 14 days from the date of the
demise, divorce or separation respectively.

If an applicant becomes ineligible to buy an HDB flat under any of the Priority
Schemes, his/ her flat application will be cancelled and all monies paid will be
forfeited.

If the applicant breaches any of the conditions of the Priority Schemes or makes
any false declaration/ misrepresentation under any of these Schemes for the
purchase of an HDB flat under these schemes, the application will be cancelled
and all monies paid towards the application will be forfeited. If he/she has already
taken possession of the HDB flat, HDB will compulsorily acquire or determine the
Lease of the HDB flat and all monies paid towards the flat purchase will be
forfeited.
5.2 Tenants' Priority Scheme
Priority allocation under the Tenants’ Priority Scheme is restricted to the purchase
of a 2-room Flexi or 3-room flat only. To be eligible for the scheme, the applicant(s)
must meet the following conditions:
(a) Must be a First-timer or Second-timer who is currently an HDB rental flat
tenant; and
(b) Must have a family nucleus; and
(c) Must have stayed in the existing HDB rental flat for at least 2 years as at the
time of HFE application; and
(d) Total average gross income does not exceed $7,000 or $14,000 per month
at the time of HFE application for purchase of a 2-room Flexi flat or 3-room
flat.

5.3 Third Child Priority Scheme

(a) Applicant and/ or the spouse is a Singapore citizen. If applicant is divorced
or widowed, the applicant must be a Singapore citizen to apply.
(b) Applicants must have at least 3 children* (natural offsprings from legal
marriages or legally adopted) and comply with the following conditions:

* For divorced parents, you must have the legal custody, care and control of
your children. For adoptive parents, you must have the Adoption Order of
your children.

(i) The third child must be a Singapore citizen born on or after 1 Jan 1987,
and the other children must be Singapore citizens or Singapore
permanent residents; and
(ii) All the children qualifying the applicants for the Scheme must be listed
in the application; and

(c) Each family is only allowed to enjoy the benefit of the Third Child Priority
Scheme to buy/sell a flat once.
(d) Each applicant will be given priority allocation in accordance with HDB’s
prevailing policies, rules and regulations.
(e) An applicant will become ineligible to buy an HDB flat under this Scheme if
the composition of the 3-children family as listed in his/ her application
changes by reason of death or divorce or separation or for any other reasons
at any time whatsoever.
(f) Successful applicants must ensure that before they take possession of the
new flat and for a period of 5 years (10 years for Prime Location Public
Housing flat, Plus flat and Prime flat) from the date of taking possession of
the new flat, the 3 children who were included to qualify for the Third Child
Priority:

(i) do not withdraw as owners/ occupiers of the new flat and must physically
and continuously occupy the flat;
(ii) do not submit any application or be included as occupiers in another
application to buy a flat directly from the HDB, a resale flat or an
Executive Condominium unit; and
(iii) do not rent an HDB flat (including DBSS flat)
 (g) If an applicant is or becomes ineligible to buy an HDB flat under this Scheme,
his/ her application shall be cancelled at the discretion of HDB and all monies
paid by him shall be forfeited by HDB.
(h) If the applicant breaches any of the Terms and Conditions of this Scheme or
makes any false declaration/misrepresentation for the purchase of an HDB
flat under this Scheme, his/ her application will be cancelled and all monies
paid towards the application will be forfeited if he has taken possession of
the HDB flat, HDB will compulsorily acquire or determine the Lease of the
HDB flat and forfeit all monies paid towards the flat purchase.
(i) Applicants must comply with all other Terms and Conditions as may be
imposed from time to time under this Scheme.

5.4 *Married Child Priority Scheme

Married Applicants who include their parents/married child(ren) in the application
to live with them or wish to buy a flat to live near their parents/married child(ren)
can apply for the Married Child Priority Scheme (MCPS) if they meet the eligibility
conditions. Among the MCPS applicants, applicants who have included their
parents/married child(ren) in the application will enjoy first priority over other MCPS
applicants.

To be eligible for the MCPS, applicants must meet the following conditions:

(a) Married Applicants Living with Parents/Married Child(ren) within the 5-year
occupation period (10-year occupation period for Plus flats and Prime flats).
(i) Successful applicants must ensure that before they take possession of
the new flat and for a period of 5 years (10 years for Plus flats and Prime
flats) from the date of taking possession of the new flat, their
parents/married child(ren):
• do not withdraw as owner/occupier of the new flat and must
physically and continuously occupy the flat;
• do not submit any application or be included as occupiers in
another application to buy a flat directly from the HDB, a resale flat
or an Executive Condominium unit; and
• do not rent an HDB flat (including DBSS flat)

(ii) An applicant or occupier listed in the application who is an owner of an

existing HDB flat (including Design, Build & Sell Scheme (DBSS) flat),
must dispose of/ relinquish his/ her interest in the existing flat within 6
months from taking possession of the new flat. The disposal or
relinquishment of interest is subject to HDB's approval and prevailing
policies, rules and regulations.
(iii) Applicants or occupiers who are existing tenants of an HDB rental flat
must terminate the tenancy and surrender vacant possession of the
rental flat to HDB within 4 months from the date of taking possession of
the new flat.

(b) Married Applicants Living Near Parents/ Married Child(ren)

 (i) Applicants’ parents' or married child's current housing block* must be
within 4 km from any of the blocks (offered in this BTO exercise) in the
town/estate they are applying for, and their parents or married child
must be owners or registered occupiers of the HDB flat or registered
tenants or occupiers of the HDB rental flat;

* If the parents/married children have booked a new HDB flat under

construction or submitted an application to buy a resale flat, the new flat
or resale flat may be used for the proximity reference. The MCPS will
be withdrawn if the parents/married children cancel the new flat
application or the resale application.

(ii) Applicants’ parents or married child must be physically residing in a

private property owned by them or their immediate family member and
the property is located within 4 km from any of the blocks (offered in this
BTO exercise) in the town/estate the applicants are applying for.

(iii) Successful applicants under 5.4(b)(i) or 5.4(b)(ii) must ensure that

before they take possession of the new flat and for a period of 5 years
(10 years for Plus flat and Prime flat) from taking possession of the new
flat, their parents/married child(ren):

• continue to reside within 4 km from any of the blocks (offered in

this BTO exercise) in the town/estate they are applying for;
• do not submit any application or be included as occupiers in any
application to buy a flat directly from the HDB, a resale flat or an
Executive Condominium unit, that is more than 4 km from the new
flat;
• do not take over the lease or tenancy of a flat (including DBSS flat)
or an Executive Condominium, located more than 4 km from the
new flat.

(c) Applicants must indicate their request under “Request For Married Child
Priority Scheme” in the Application Form. Parents/married child(ren) who are
non-residents or who are on visit pass/visa to Singapore are not eligible to
qualify for the Scheme.

Parents/married child(ren) will need to sign an MCPS undertaking. The

signing needs to be witnessed by an HDB staff either via a video call or in
person during the flat booking appointment so that the parents/married
child(ren) can acknowledge the conditions under the MCPS.

* Applicants under the Fiancé/Fiancée Scheme may also request their

application to be processed under this Priority Scheme if they are applying
for a flat to live near/with their parents.

For the purpose of determining whether the applicant meets the above
criteria, HDB will rely solely on its records and/or the records of other relevant
authorities as it deems fit. HDB reserves the right to reject as evidence, any
 form of private tenancy agreements or contracts made by or with the
applicant's parents/married child(ren) and any other party, including receipts
for rents paid by the applicant's parents/married child(ren).

5.5 *Multi-Generation Priority Scheme

(a) Applicants who wish to buy a flat under the Multi-Generation Priority Scheme
(MGPS) must submit a combined application to buy a 2-room Flexi/ 3-room
flat and a 2-room Flexi/ 3-room/ 4-room/ 5-room flat.

The application for the 2-room Flexi/ 3-room flat must be submitted by the
parents (hereinafter called the "Parent Application") while the 2-room Flexi/
3-room /4-room /5-room flat application must be submitted by the *married
child (hereinafter called the “Married Child Application”). There must be a
proven parent-child relationship between the Parents and the Married Child
and they must be applicants of their respective applications.

*Applicable to Fiancé/Fiancée applicants

(b) Under the MGPS, both Parents and Married Child can only book a 2-room
Flexi/ 3-room flat and a 2-room Flexi/ 3-room/ 4-room/ 5-room flat
respectively within the same BTO project. All units under the MGPS are pre-
identified and specified by HDB. The pre-identification of units under the
MGPS is also subject to quotas as may be determined by HDB from time to
time.

(c) The Parents and Married Child applicants must remain eligible to buy the 2-
room Flexi/ 3-room flat and 2-room Flexi/ 3-room/ 4-room/ 5-room flat
respectively at all times under the MGPS and HDB’s prevailing policies.

(d) Documentary proof of the relationship between the Parent/s and Married
Child(ren) [e.g. photocopy of marriage certificate of parents and birth
certificate(s) and marriage certificate(s) of married child(ren)] must be
submitted during the booking of the units.

(e) Booking of a 2-room Flexi/ 3-room flat and a 2-room Flexi/ 3-room/ 4-room/
5-room flat by the Parents and Married Child applicants under the MGPS is
subject to the available ethnic quota. Both the Parent Application and Married
Child Application will be cancelled if either application's ethnic quota is filled.

If the Parents or the Married Child applicants fail to book a 2-room Flexi/ 3-
room flat and 2-room Flexi/ 3-room / 4-room/ 5-room flat respectively when
their turn is due, both the Parent Application and Married Child Application
under the MGPS will be cancelled. However, the applications can continue
under the Public Scheme, if eligible.

(f) The Parents and Married Child applicants shall become ineligible under the
MGPS if:
 (i) either the Parents or the Married Child applicants fail, refuse or become
ineligible to book a 2-room Flexi/ 3-room flat (Parent Application) or 2-
room Flexi/ 3-room/ 4-room/ 5-room flat (Married Child Application)
respectively during the booking exercise or fail or refuse to exercise the
Option to Purchase.

(ii) the Parent Application or Married Child Application is withdrawn or if the

HDB cancels the Parent Application or Married Child Application for any
reason whatsoever.

(iii) the parent(s) passes away or the Married Child's family breaks up by
reason of death, divorce or separation or due to any other reason at any
time such that the remaining applicant(s) in the Parent Application or
Married Child Application is no longer eligible to proceed with the
application to buy a 2-room Flexi/ 3-room flat or 2-room Flexi/ 3-room/
4-room/ 5-room flat under HDB’s prevailing policies.

(g) If the Parents or Married Child applicants become ineligible to buy or retain
the 2-room Flexi/ 3-room flat (Parent Application) or the 2-room Flexi/ 3-room/
4-room/ 5-room flat (Married Child Application) under the MGPS and HDB's
prevailing policies/conditions in force from time to time, both applications
shall be cancelled at the discretion of HDB and all monies paid will be
forfeited.

(h) The Parents and Married Child applicants are required to sign the Agreement
for Lease and make the required downpayment for their respective units at
the same time. If either the Parents or the Married Child applicants do not
proceed with the signing of the Agreement for Lease and make payment,
both applications will be cancelled and the option fees will be forfeited.

(i) The Parents or Married Child applicants will be required to collect the keys
and take possession of their respective units and pay up the balance
purchase price upon receipt of HDB’s written notice to do so. If the Parent/s
or Married Child applicants fail or refuse to do so, both the Parent/s and
Married Child Applications will be cancelled.

(j) Following the key collection by one party, the remaining Parents or Married
Child applicants waiting for key collection must continue to remain eligible to
buy the 2-room Flexi/ 3-room flat or 2-room Flexi/ 3-room/ 4-room/ 5-room
flat at all times, and collect the keys and pay up the balance purchase price
upon receipt of HDB’s written notice to do so. Otherwise, the application will
be cancelled.

(k) Upon cancellation of the application, a sum equivalent to 5% of the purchase

price of the 2-room Flexi/3-room flat and 2-room Flexi/3-room/4-room/5-room
flat or such other amount as may be determined by HDB from time to time
will be forfeited.
 For the Parents or Married Child applicants who had earlier collected the
keys and taken possession of their unit, they shall be required to surrender
their unit to HDB and HDB will pay them, at its absolute discretion, a
compensation based on the prevailing compensation policy.

In addition, a 5-year wait-out period (10 years for Plus flat and Prime flat),
which starts from the date of key collection of the unit, will also be imposed
on the applicants and core members who are required by HDB to surrender
their unit under the MGPS.

During the 5-year wait-out period (10 years for Plus flat and Prime flat), the
applicants and their core members are not allowed to submit any application
or be included as core members in any application for subsidised housing,
as defined in clause 12.3.

(l) The Parents and Married Child applicants cannot dispose of their units or
withdraw as the owner/occupier of their respective flats for a period of 5 years
(10 years for Plus flat and Prime flat) from the date of taking possession of
the new flat. During the 5-year period (10-year period for Plus flat and Prime
flat), both the Parents and the Married Child must physically and continuously
occupy their respective flats.

(m) Both the Parents and the Married Child applicants shall comply with all other
Terms and Conditions as may be imposed by HDB from time to time under
the MGPS.

5.6 Assistance Scheme for Second-timers (Divorced/Widowed Parents)

The Assistance Scheme for Second-timers (Divorced/Widowed Parents)
(“ASSIST”) is offered to Second-timer applicants for the purchase of a 2-room Flexi
or 3-room Standard flats only, if offered. Applicants must indicate their request
under Assistance Scheme for Second-timers (Divorced/Widowed Parents) of the
Application Form and meet the following conditions:

(a) Must not have acquired any interest in an HDB flat or private residential
property (except for matrimonial flat/ property) after the date of divorce/
separation or demise of spouse (without prejudice to clause 3.6); and
(b) Must include a child (natural offspring from lawful marriages or legally
adopted) who is below 19 years old at the time of HFE application.
(c) When there is a combination of Standard project and Plus project on offer in
a town applied for, applicants shortlisted under the ASSIST scheme will be
eligible to book a flat in both Standard and Plus project.

Conditions 5.6(a) includes HUDC flats and Executive Condominiums,

properties acquired by gift or inheritance, private properties, properties
outside Singapore and properties owned, gained or sold through nominees.

5.7 Senior Priority Scheme

Applicants who are aged 55 and above, who wish to apply for the Senior Priority
Scheme (SPS) must indicate their request for “Senior Priority Scheme” in the
Application Form. Applicants who requested for the SPS will be balloted under the
scheme if they meet the conditions to buy a 2-room Flexi flat and also the following
conditions under 5.7(a) or 5.7(b) or 5.7(c):

(a) Applicants who are existing owners of residential property (applicable to both
HDB flat and owner-occupied private residential property)
(i) Their existing HDB flat is within 4 km from any of the blocks (offered in
this BTO exercise) in the town/estate applied for; or
(ii) Their existing owner-occupied private property is located within 4 km
from any of the blocks (offered in this BTO exercise) in the town/estate
applied for.

(b) Married Applicants Living near Parents/Married Child(ren)

(i) Their parents' or married child's current HDB flat* is within 4 km from
any of the blocks (offered in this BTO exercise) in the town/estate they
are applying for, and their parents or married child must be owners or
registered occupiers of the HDB flat or registered tenants or occupiers
of the HDB rental flat;

* If the parents/married children have booked a new HDB flat under

construction or submitted an application to buy a resale flat, the new flat
or resale flat may be used for the proximity reference. The SPS will be
withdrawn if the parents/married children cancel the new flat application
or the resale application.

(ii) Their parents or married child are physically residing in a private

property owned by applicants’ parents/married child or applicants’
parents/married child’s immediate family member that is located within
4 km from any of the blocks (offered in this BTO exercise) in the
town/estate they are applying for.

Parents/ married child(ren) who are non-residents or who are on social

visit passes/ visas to Singapore are not eligible to qualify for the SPS.

Successful applicants under 5.7(b)(i) or 5.7(b)(ii) must ensure that

before they take possession of the 2-room Flexi flat and for a period of
5 years (10 years for Plus flat and Prime flat) from taking possession of
the 2-room Flexi flat, their parents/married child(ren):

• continue to reside within 4 km from any of the blocks (offered in

this BTO exercise) in the town/estate they are applying for;
• do not submit any application or be included as occupiers in any
application to buy a flat directly from the HDB, a resale flat or an
Executive Condominium unit, that is more than 4 km of the new
flat; and
• do not take over the lease or tenancy of a flat (including DBSS flat)
or an Executive Condominium, that is more than 4 km of the new
flat.

(c) Married Applicants Living with Parents/ Married child(ren)

 They are applying for a 2-room Flexi flat and have included their parents or
married child(ren) in the application.

Parents/married child(ren) who are non-residents or who are on social visit

passes/visas to Singapore are not eligible to qualify for the SPS.

Successful applicants must ensure that before they take possession of the
2-room Flexi flat and for a period of 5 years (10 years for Plus flat and Prime
flat) from taking possession of the 2-room Flexi flat, their parents/married
child(ren):

• do not withdraw as owner/occupier of the new flat and must physically

and continuously occupy the 2-room Flexi flat;
• do not submit any application or be included as occupiers in any
application to buy a flat directly from the HDB or a resale flat or an
Executive Condominium unit;
• do not rent an HDB flat (including DBSS flat)

An applicant or occupier listed in the application for a 2-room Flexi flat and
who is an owner of an existing HDB flat, must dispose of/relinquish his/ her
interest in the existing flat within 6 months from taking possession of the 2-
room Flexi flat. If he/she fails to do so, the 2-room Flexi flat has to be
surrendered to HDB and a sum equivalent to 5% of the purchase price of the
2-room Flexi flat booked and/or any other amount as determined by HDB
shall be forfeited. The sale of the existing flat in the open market is subject to
HDB's approval and prevailing resale policies, rules and regulations.

(d) For applicants who applied and shortlisted for the SPS to stay near or stay
with their parents/married child(ren), their parents/married child(ren) will
need to sign an SPS undertaking. The signing needs to be witnessed by an
HDB staff either via a video call or in person during the flat booking
appointment so that the parents/married child(ren) can acknowledge the
conditions under the SPS.

For the purpose of determining whether the applicant meets the above
criteria, HDB will rely solely on its records and/or the records of other relevant
authorities as it deems fit. HDB reserves the right to reject as evidence, any
form of private tenancy agreements or contracts made by or with the
applicant's parents/married child(ren) and any other party, including receipts
for rents paid by the applicant's parents/married child(ren).

5.8 Priority flat allocation for care needs (Applicable to CCA under BTO only)
Applicants will need to state their request for priority flat allocation in their flat
application. The eligibility for the priority flat allocation will be assessed and
determined by the agency appointed by MOH.

To qualify for the priority flat allocation for care needs, applicants must meet the
following conditions:
 (a) At least one applicant or core member requires permanent assistance with
one or more activities of daily living (ADL). These include: (i)
washing/showering; (ii) going to the toilet; (iii) getting dressed; (iv) eating; (v)
walking/ moving around; and (vi) transferring, e.g. moving from bed to a chair
or wheelchair and vice versa.

(b) Submit a disability assessment to an agency appointed by MOH before the

end of the flat application period, except for those who are currently a
recipient of any of the following AIC schemes:

• Home Caregiving Grant (HCG)

• Pioneer Generation Disability Assistance Scheme (PGDAS)
• Elderfund
• Eldershield (ESH)
• Interim Disability Assistance Programme for the Elderly (IDAPE)
• Medisave-Care (MSVC)
• CareShield Life (CSHL)

5.9 Joint balloting (Applicable to CCA under BTO only)

Up to two households can apply for joint balloting and have the chance to book
a Community Care Apartment together. If a senior who qualifies for priority is
successfully balloted under the priority flat allocation, his / her family member /
friend who does not qualify for priority will also be successfully balloted under the
non-priority flat supply.

To qualify for joint balloting, the applicants must meet the following conditions:

(a) Both households (Application 1 and Application 2) must agree to pair up their
flat applications.

(b) The second household (Application 2) must opt for joint balloting in the
Application Form and indicate the flat registration number of the first
household (Application 1).

(c) Under joint balloting, both Application 1 and Application 2 can only book a
Community Care Apartment within the same BTO project.

(d) Application 1 and Application 2 must remain eligible to buy the Community
Care Apartment respectively at all times under HDB’s prevailing policies.

(e) Booking of a Community Care Apartment by Application 1 and Application 2

under joint balloting is subject to the available ethnic quota.

(f) If either Application 1 or Application 2 fails to book a flat, is ineligible for the
purchase, or cancels the Application for whatsoever reason, the other
Application can continue with the purchase.
 (g) Both Application 1 and Application 2 shall comply with all other Terms and
Conditions as may be imposed by HDB from time to time under the joint
balloting.

6 BOOKING OF FLAT

6.1 For BTO, SBF exercises, a computer ballot will be conducted to shortlist applicants
and determine their queue positions to book a flat. Those shortlisted will be
informed of their queue position and invited to book a flat, subject to the availability
of flat and ethnic quota. Applicants who are not shortlisted will be informed that
they are unsuccessful in their application.

6.2 For Open booking, a queue number and booking appointment date and time will
be issued on a first-come, first-served basis to book a flat, subject to the availability
of flat and ethnic quota upon submission of an online application.

6.3 Applicants' eligibility to book a flat is subject to further assessment during the
booking appointment. Applicants can book a flat only after they have produced the
supporting documents (when necessary) to confirm their eligibility to buy under
HDB's prevailing policies, rules and regulations.

6.4 For 2-room Flexi flat applications, if all applicants and their spouses are at least 55
years old at the time of HFE application, they can choose to buy the flat on a short
lease ranging from 15 to 45 years in 5-year increments.

6.5 For Community Care Apartment applications, if all applicants and their spouses
are at least 65 years old at the time of HFE application, they can choose to buy
the flat on a short lease ranging from 15 to 35 years in 5-year increments.

6.6 The allowable lease period will be based on the age of the youngest applicant/
spouse at the time of HFE application. The chosen lease must be able to last all
applicants and their spouses until at least age 95. The selection of lease period
will be made during the flat booking. However, if the applicant is married and the
chosen lease is insufficient to cover the spouse till the age of 95, the application
will be cancelled, and the applicant forfeits any deposit or fees as determined by
HDB.

Age of youngest Age of youngest

applicant/ Lease period Owner/ spouse-
spouse-Occupier occupier at the
Minimum Other Options
at HFE end of minimum
(Years) (Years)
application lease
55 to 59 40 45 95 to 99
60 to 64 35 40, 45 95 to 99
65 to 69 30 35, 40, 45 95 to 99
70 to 74 25 30, 35, 40, 45 95 to 99
75 to 79 20 25, 30, 35, 40, 45 95 to 99
≥ 80 15 20, 25, 30, 35, 40, 45 ≥ 95
6.7 Upon booking of a flat, applicants will have to pay an option fee (by NETS) and
HDB will grant them an Option to Purchase. The option fee (which will form part of
the downpayment) payable by flat type is shown below:

(a) Community Care Apartment/ 2-room Flexi flat : $500

(b) 3-room flat : $1,000
(c) 4-room /5-room/ 3Gen flat : $2,000

6.8 For applicants who have booked a flat under any of our sales launches, their other
applications for a new flat or an EC unit (if any) will be cancelled.

7 ENHANCED CPF HOUSING GRANT

7.1 Disbursement of Grant

Applicant(s) and persons listed in the valid HFE letter used for this application
will automatically receive the Enhanced CPF Housing Grant (EHG) after they
have booked a flat if they have been assessed as eligible for the EHG in the
HFE letter. The EHG will be disbursed to applicant(s) and/or the occupier(s) who
have enabled the household to qualify for the current flat purchase. The
applicants and/or occupiers cannot apply for or reject the EHG once they have
used the HFE letter to submit an application to buy a flat from HDB. The manner
of disbursement is as follows:

Sole Citizen Applicant

The Enhanced CPF Housing Grant will be disbursed fully into his CPF account.

Joint Citizen Applicants (married couples)

Where a husband and wife are joint applicants, the Enhanced CPF Housing
Grant will be disbursed to them equally.

The Enhanced CPF Housing Grant can only be given to a maximum of two
applicants who are husband and wife in a family nucleus. Where there are more
than one eligible family nuclei, the applicants must decide on which family
nucleus will receive the Enhanced CPF Housing Grant subject to the HDB's
prevailing policies, rules and regulations.

Joint Citizen Applicants (first-timer singles under Joint Singles Scheme)

The Enhanced CPF Housing Grant will be disbursed equally between two first-
timer single citizen applicants who are both at least 35 years old at the time of
HFE application. Upon taking possession of the booked HDB flat, the same two
first-timer single citizen applicants and their spouses (if any) shall be treated as
having bought a subsidised flat directly from the HDB.
Disbursement of Enhanced CPF Housing Grant to Parents applying with
Unmarried child

Without prejudice to any other rights, the HDB may also in its discretion
allow parents to receive the Enhanced CPF Housing Grant, if the unmarried
child is the only one who meets all the eligibility criteria for the grant, subject to
the HDB's prevailing policies, rules and regulations. At least one of the
unmarried child’s parents must be a Singapore Citizen and the household must
also meet the other eligibility criteria for the Enhanced CPF Housing Grant. The
unmarried child must not, within 10 years (for Plus flats and Prime flats) or within
5 years (for other flats) after taking possession of the Flat, sell, assign, transfer
or otherwise dispose his/her interest in the Flat to any person except to the HDB.
Under these terms, the unmarried child would not be able to request for a
transfer to become an occupier while he serves out the rest of the MOP.

Where there is more than 1 unmarried child who is the co-applicant and meet
all the requirements for the Enhanced CPF Housing Grant, the applicants must
decide which unmarried child cannot within 10 years (for Plus flats and Prime
flats) or within 5 years (for other flats) after taking possession of the Flat, sell,
assign, transfer or otherwise dispose his/her interest in the Flat to any person
except to the HDB. Under these terms, the unmarried child would not be able to
request for a transfer to become an occupier while he serves out the rest of the
MOP.

Disbursement of Enhanced CPF Housing Grant to couples comprising a first-

timer and a second-timer applicant

The Enhanced CPF Housing Grant for Singles will be disbursed solely into the
CPF account of the First-timer applicant or occupier, unless he/she has
previously received an Additional CPF Housing Grant/Special CPF Housing
Grant/ Enhanced CPF Housing Grant. The amount of Enhanced CPF Housing
Grant for Singles to be disbursed is determined based on half of the average
monthly household income of all working persons listed in the flat application
over the one-year period ending 2 months preceding the month of HFE
application.

Disbursement of Enhanced CPF Housing Grant to Joint Singles Scheme

applicants comprising a first-timer single and a second-timer single buying a short
lease 2-room Flexi flat

The Enhanced CPF Housing Grant for Singles will be disbursed solely into the
CPF account of the eligible first-timer single, who shall be a co-applicant of the
flat purchase. The amount of Enhanced CPF Housing Grant for Singles to be
disbursed is determined based on the average monthly household income of
the first-timer single listed in the flat application over the one-year period ending
2 months preceding the month of HFE application.

Disbursement of Enhanced CPF Housing Grant to Orphans

 Where there is only one eligible single citizen applicant who is at least 21 years
old at the time of the HFE application and he meets the following conditions:

(a) He is in continuous employment of one-year period ending 2 months

preceding the month of HFE application, and is still employed at the time
of HFE application; and
(b) His average gross monthly household income for the 1-year period does
not exceed $4,500;

the Enhanced CPF Housing Grant for Singles will be disbursed fully into his CPF
account.

Where there are two eligible single citizen applicants who are at least 21 years
old at the time of the HFE application and they meet the following conditions:

(a) At least one of the Enhanced CPF Housing Grant applicants is in

continuous employment of one-year period ending 2 months preceding the
month of HFE application, and is still employed at the time of HFE
application; and
(b) The average gross monthly household income for all working persons
listed in the flat application for the 1-year period does not exceed $9,000;

the Enhanced CPF Housing Grant will be disbursed equally between both of
them.

Where there are more than two eligible single applicants who meet the above
conditions, the applicants must decide on which two applicants will receive the
Enhanced CPF Housing Grant, subject to the HDB’s prevailing policies, rules
and regulations.

7.2 Use of The Grant

(a) The Enhanced CPF Housing Grant (“the Grant”) must be used to pay for
the flat purchase. The Grant can be used to offset the purchase price and
reduce the mortgage loan for the flat purchase. The Grant cannot be used
for the minimum cash downpayment (if any), stamp duty, registration fees,
conveyancing fees and monthly mortgage instalment payments.
(b) Only Grants that are disbursed to persons listed as applicants can be used.
(c) Grants disbursed to occupiers can only be used when they are listed as
applicants to buy an HDB flat or an EC direct from a developer.
(d) If the total grant amount received exceeds 95% of the purchase price of
the flat, a minimum 5% of the purchase price must be paid from the
recipient’s own CPF savings and/or in cash. Any excess grant amount can
be used to pay for items under the Optional Component Scheme and
premiums that singles and Singapore Citizen/Singapore Permanent
Resident households need to pay, before being credited into such CPF
account or accounts of the recipient in accordance with the CPF Act and
Regulations.
7.3 Disposal of Flat

Upon disposal of the flat, the Grant will be part of the CPF savings that the
Recipients have to return to their CPF Account. The first $30,000 or first
$60,000 (depending on the amount received) or any other amount which the
HDB may decide from time to time at its discretion will be credited to the
Ordinary Account. Any excess amount will be credited to the Special Account
/ Retirement Account and Medisave Account. The return, use and withdrawal
of the CPF savings are governed by the CPF Act or any legislation and any
rules or regulations made from time to time, the CPF Board’s prevailing policies
and, any rules or regulations that are in force from time to time.

7.4 Other Conditions

(a) For applications under the Fiancé/ Fiancée Scheme, both the applicant or
applicant/ recipient and his/ her fiancé/ fiancée must be unmarried,
widowed or divorced (with Divorce Certificate/ Decree Nisi Absolute/
Certificate of Making Interim Judgment Final (Divorce/ Nullity) granted) at
the time of the HFE application. They must solemnise their marriage within
3 months after taking possession of the flat.

(b) If the marriage of the applicant/ recipient and his spouse (who is either an
applicant or a core member is subsequently annulled, the Enhanced CPF
Housing Grant (with interest) must be repaid to the HDB. In addition, the
HDB may require the flat to be surrendered to the HDB based on HDB’s
prevailing policies, rules and regulations.

(c) In the event that any applicant/ recipient, any family members or any other
person listed in the flat application and/ or the Enhanced CPF Housing
Grant application:

(i) breaches any of the Conditions of the Scheme;

(ii) makes any false declaration for the purpose of purchasing the flat or
obtaining the Enhanced CPF Housing Grant;
(iii) gives any false information or suppress information in the application
form for the purchase of the flat or in the application for the Enhanced
CPF Housing Grant or in any other written forms/ undertakings;
(iv) is or becomes or renders himself ineligible to buy or retain the flat; and/
or
(v) is or becomes or renders himself ineligible for the Enhanced CPF
Housing Grant

the HDB may, without prejudice to any other rights, cancel the flat application
and/ or the Enhanced CPF Housing Grant application, compulsorily acquire the
Flat and/ or recover the Enhanced CPF Housing Grant (with interest).
Without prejudice to the above or anything herein or any other rights of the HDB,
if the applicant or applicant/ recipient(s) chooses to cancel the flat application
with the approval of the HDB or if the flat application is cancelled for any reason
whatsoever or if the applicant or applicant/ recipient(s) fail to sign the Agreement
for Lease/ Take Possession of the Flat in accordance with the terms of the
Agreement for Lease or within the period stipulated by the HDB when required
by the HDB to do so, the recipient(s) must return the Enhanced CPF Housing
Grant (with interest) to the HDB upon the cancellation of the flat application.

(d) All applicants/ recipients, any family members or any other person listed
in the flat application must fulfill the Conditions of the Enhanced CPF
Housing Grant Scheme applicable at the time of HFE application and as
may be amended or varied from time to time as HDB deems fit. Before
taking possession of the booked HDB flat, the applicants must notify HDB
of any changes to the flat application via the Further Particulars (FP)
Form or Change of Family Nucleus (COFN) Form. The information given
in the FP or COFN Forms are in addition to the information given in the
original flat application for the purchase of the booked flat.

(e) Any changes to the flat application as indicated in the FP or COFN Forms
may affect the applicant’s / recipient’s eligibility for application for the
Enhanced CPF Housing Grant, and the applicant(s) / recipient(s) may not
be eligible to retain any Enhanced CPF Housing Grant disbursed. Where
the applicant/recipient is ineligible to retain the Enhanced CPF Housing
Grant, the amount disbursed will be recovered (with interest). HDB has
the right to

(i) re-assess the eligibility of the applicant(s) / recipient(s) to retain the

Enhanced CPF Housing Grant; or
(ii) recover the disbursed Enhanced CPF Housing Grant (with interest)
before the applicant(s) may make a fresh application for Enhanced
CPF Housing Grant.

(f) The HDB has the right to recover the Enhanced CPF Housing Grant (with
interest) if the flat or any interest therein is sold, transferred, assigned or
otherwise disposed of by the flat applicant(s) or by any mortgagee or any
other person on or before the expiration of the 5-year (10 years for Plus
flats and Prime flats) or such other minimum occupation period as
determined by the HDB in its absolute discretion.

(g) The sale and purchase of the flat under the Enhanced CPF Housing
Grant Scheme is subject to the HDB’s prevailing policies, rules and
regulations.

(h) If the spouse/ fiancé/ fiancée has not been given the Enhanced CPF
Housing Grant due to any reason whatsoever, he/ she will not be given
the Enhanced CPF Housing Grant subsequently under any
circumstances whatsoever. In addition, he/ she will also not be eligible
for any Enhanced CPF Housing Grant thereafter for any reason
whatsoever.
(i) Anyone who had already received the Enhanced CPF Housing Grant will
not be eligible for another Enhanced CPF Housing Grant for any reason
whatsoever except where specifically provided.

(j) Notwithstanding and without prejudice to anything herein, a recipient of

the Enhanced CPF Housing Grant for Singles under the Single Singapore
Citizen Scheme can subsequently apply for another Enhanced CPF
Housing Grant within six months of one of the following events:-

(i) He has married a first-timer Singapore Citizen or Singapore

Permanent Resident spouse; or
(ii) He has married and listed his non-Singapore citizen spouse as an
occupier in his flat application, and his spouse subsequently obtains
Singapore Citizenship or Singapore Permanent Resident status, or
gives birth to a Singapore Citizenship or Singapore Permanent
Resident child, whichever is earlier.

The applicants for the Enhanced CPF Housing Grant must meet the Conditions
of the Enhanced CPF Housing Grant Scheme prevailing at the time of HFE
application. If the applicants have not taken possession of their booked HDB
flat, they may apply for the full Enhanced CPF Housing Grant (for Family)
within six months of their eligibility to do so. This is on condition that the
Enhanced CPF Housing Grant for Singles given earlier is first recovered (with
interest).

(k) Unless otherwise determined by the HDB in its absolute discretion and
subject to the HDB’s prevailing policies, rules and regulations, interest
payable on the Enhanced CPF Housing Grant under the Conditions of
the Scheme is computed based on what the Enhanced CPF Housing
Grant would have earned in the CPF Ordinary Account / Special Account
/ Medisave Account / Retirement Account (where applicable) from the
date the Enhanced CPF Housing Grant was disbursed to the end of the
month in which payment is made, provided always that the HDB reserves
the right to vary the computation from time to time in accordance with
prevailing policies, rules and regulations.

(l) Notwithstanding and without prejudice to anything herein,

(i) the HDB shall have the right to recover the Grant (with interest) in its
absolute discretion at any time on demand. When the HDB exercises
the said right or otherwise under the Conditions of the Scheme,
including but not limited to a situation where the HDB has reason to
believe that the Recipient has not fulfilled or otherwise breached the
Conditions of the Scheme, the HDB shall instruct the Central
Provident Fund Board (CPF Board) to deduct the CPF savings from
the Recipient’s CPF accounts in accordance with the Central
Provident Fund Act to repay the outstanding Grant with interest
without the need for any authorisation by the applicant. In the event
 of insufficient funds in the Recipient’s CPF accounts at the point of
deduction, the Recipient shall pay the shortfall via subsequent CPF
deductions or in cash.

(ii) If the Enhanced CPF Housing Grant (with interest) or any part thereof
remains unpaid or outstanding after written demand for payment by
the HDB under the Conditions of the Scheme or otherwise at any time
as the HDB deems fit in its absolute discretion, this shall constitute a
debt owed by the recipient(s) to the HDB/ Government.

(iii) The HDB shall be entitled to commence enforcement action,

including compulsory acquisition of the flat, against the recipients to
recover the full outstanding debt (inclusive of interest) without further
notice to the recipients. In addition, the recipients shall indemnify the
HDB from and against all costs and expenses, including all legal
costs on a solicitor and client basis.

(iv) The recipient(s) and his/ her spouse/ fiancé/ fiancée (even if the
spouse/ fiancé/ fiancée is not a recipient) will not be allowed to buy
any HDB or Executive Condominium unit or take over the lease of an
existing flat/ unit until all amounts outstanding and payable to the
HDB have been paid in full.

(m) In the event of any inconsistency between the Conditions of the Scheme
and the General Conditions for purchase of a flat under the applicable
sales exercise or any other terms and conditions as may be applicable or
laid down by the HDB from time to time relating to the sale and purchase
of an HDB flat, the Conditions of the Scheme shall prevail unless
otherwise determined by the HDB in its absolute discretion.

(n) The HDB reserves the right to add, delete and/ or vary any of the
Conditions of the Scheme at any time it deems fit.

8 STEP-UP CPF HOUSING GRANT

8.1 Disbursement of Grant

Applicant(s) and persons listed in the valid HFE letter used for this application
will automatically receive the Step-Up CPF Housing Grant (SUHG) after they
have booked a flat if they have been assessed as eligible for the SUHG in the
HFE letter. The SUHG will be disbursed to applicant(s) and/or the occupier(s)
who have enabled the household to qualify for the current flat purchase. The
applicants and/or occupiers cannot apply for or reject the SUHG once they have
used the HFE letter to submit an application to buy a flat from HDB.

HDB will only credit the Step-Up CPF Housing Grant into the CPF Ordinary
Account (“OA”) of eligible Singapore citizen/Singapore Permanent Resident
 applicants/occupiers one month before the key collection of the Flat. The manner
of disbursement is as follows:

(a) Sole Citizen Applicant

The Step-Up CPF Housing Grant will be disbursed fully into his CPF OA
account.

(b) Joint Citizen Applicants (married couples)

Where a husband and wife are joint citizen applicants, the Step-Up CPF
Housing Grant will be disbursed to them in equal shares.

(c) The Step-Up CPF Housing Grant can only be given to a maximum of two
applicants/occupiers (who are husband and wife) in a family nucleus.
Where there are more than one eligible family nuclei, the applicants must
decide on which family nucleus will receive the Step-Up CPF Housing
Grant, subject to the HDB's prevailing policies, rules and regulations.

Disbursement of Step-Up CPF Housing Grant to Parents applying with

Unmarried Child

Without prejudice to any other rights of the HDB, the HDB may also in its
discretion allow parents to receive the Step-Up CPF Housing Grant, if the
unmarried child is the only one who meets all the eligibility criteria for the grant,
subject to the HDB's prevailing policies, rules and regulations. At least one of the
unmarried child’s parents must be a Singapore Citizen and the household must
also meet all other eligibility criteria for the Step-Up CPF Housing Grant. The
unmarried child must not within 10 years (for Plus flats and Prime flats) or within
5 years (for other flats) after taking possession of the Flat, sell, assign, transfer
or otherwise dispose his/her interest in the Flat to any person except to the HDB.
Under these terms, the unmarried child would not be able to request for a transfer
to become an occupier while he serves out the rest of the MOP.

Where there is more than one unmarried child who are the co-applicants and
such unmarried children all meet the requirements for the Step-Up CPF Housing
Grant, the applicants must decide which unmarried child must not, within 10
years (for Plus flats and Prime flats) or within 5 years (for other flats) after taking
possession of the Flat, sell, assign, transfer or otherwise dispose his/her interest
in the Flat to any person except to the HDB. Under these terms, the unmarried
child would not be able to request for a transfer to become an occupier while he
serves out the rest of the MOP.

8.2 USE OF THE GRANT

The Step-Up CPF Housing Grant (“the Grant”) must be used to pay for the Flat’s
purchase. The Grant can be used to reduce the mortgage loan (if applicable) at
key collection of the Flat. The Grant shall not be used to pay for, whether in full
or in part, the minimum cash downpayment (if any) and/or the stamp/ registration
fees or conveyancing fees for the Flat’s purchase.
8.3 DISPOSAL OF FLAT

Upon disposal of the Flat, the Grant will be part of the CPF monies that the
recipients have to return to their CPF Account. The first $60,000 (applicable for
families), or any other amount which the HDB may in its discretion determine
from time to time will be credited to the CPF Ordinary Account. Any excess
amount will be credited to the CPF Special Account / Retirement Account and
Medisave Account. The return, use and withdrawal of the CPF money are
governed by the CPF Act, any legislation and any rules or regulations that may
be made, promulgated or are in force from time to time, as well as the CPF
Board’s prevailing policies.

8.4 OTHER CONDITIONS

(a) For applications under the Fiancé/ Fiancée Scheme, both the applicant or
applicant/ recipient and his/ her fiancé/ fiancée must be unmarried,
widowed or divorced (with Divorce Certificate/ Decree Nisi Absolute/
Certificate of Making Interim Judgment Final (Divorce/ Nullity) granted) at
the time of the Flat’s application. They must produce, without demand,
their Marriage Certificate for inspection by the HDB within 3 months after
taking possession of the Flat.

(b) If the marriage of the applicant/ recipient and his spouse (who is either an
applicant or listed as family member) is subsequently annulled, the Step-
Up CPF Housing Grant (with interest) must be repaid to the HDB. In
addition, the HDB may require the Flat to be surrendered to the HDB
based on the HDB’s prevailing policies, rules and regulations.

(c) Applicants who are second-timer public rental tenants are required to go
through additional assessments to aid in assessing their eligibility for the
Grant

(d) In the event that any applicant/ recipient, any family members or any other
person listed in the Flat’s application and/ or the Step-Up CPF Housing
Grant application:

(i) breaches any of the Conditions of the Scheme;

(ii) makes any false declaration for the purpose of purchasing the flat
or obtaining the Step-Up CPF Housing Grant;
(iii) gives any false information or suppress information in the
application form for the purchase of the flat or in the application for
the Step-Up CPF Housing Grant or in any other written forms/
undertakings;
(iv) is or becomes or renders himself ineligible to buy or retain the flat;
and/ or
(v) is or becomes or renders himself ineligible for the Step-Up CPF
Housing Grant
the HDB may, without prejudice to any other rights, cancel the flat’s application and/
or the Step-Up CPF Housing Grant application, compulsorily acquire the Flat and/ or
recover the Step-Up CPF Housing Grant (with interest).

Without prejudice to the above or anything herein or any other rights of the HDB, if
the applicant or applicant/ recipient chooses to cancel the flat’s application with the
approval of the HDB or if the Flat’s application is cancelled for any reason whatsoever
or if the applicant or applicant/ recipient fail to sign the Agreement for Lease and/or
take possession of the Flat in accordance with the terms of the Agreement for Lease
or within the period stipulated by the HDB when required by the HDB to do so, the
recipient must return the Step-Up CPF Housing Grant (with interest) to the HDB upon
the cancellation of the Flat’s application.

The HDB has the right to recover the Step-Up CPF Housing Grant (with interest) if
the Flat or any interest therein is sold, transferred, assigned or otherwise disposed
of by the Flat’s applicant or by any mortgagee or any other person on or before the
expiration of the 5-year (10 years for Plus flats and Prime flats) or such other
minimum occupation period as may be determined from time to time by the HDB in
its discretion.

The sale and purchase of the Flat under the Step-Up CPF Housing Grant Scheme is
subject to the HDB’s prevailing policies, rules and regulations.

If the spouse/ fiancé/ fiancée has not been given the Step-Up CPF Housing Grant
due to any reason whatsoever, e.g. he/ she is not listed in the Flat at the time of
submission of the application for the Step-Up CPF Housing Grant, he/ she will not be
given the Step-Up CPF Housing Grant subsequently under any circumstances
whatsoever, even if he/ she subsequently include in the Flat. In addition, he/ she will
also not be eligible for any Step-Up CPF Housing Grant thereafter for any reason
whatsoever.

Anyone who had already received the Step-Up CPF Housing Grant will not be eligible
for another Step-Up CPF Housing Grant for any reason whatsoever.

Unless otherwise determined by the HDB in its discretion and subject to the HDB’s
prevailing policies, rules and regulations, interest payable on the Step-Up CPF
Housing Grant under the Conditions of the Scheme is computed based on what the
Step-Up CPF Housing Grant would have earned in the CPF OA from the date the
Step-Up CPF Housing Grant was disbursed to the end of the month in which payment
is made, provided always that the HDB reserves the right to vary the computation
from time to time in accordance with prevailing policies, rules and regulations.

Notwithstanding and without prejudice to anything herein,

(a) the HDB shall have the right to recover the Step-Up CPF Housing Grant (with
interest) in its discretion at any time on written demand to the recipients and
when HDB exercises the said right or otherwise under the Conditions of the
 Scheme, the HDB shall be entitled in its discretion to deem that the recipients
have not fulfilled or otherwise breached the Conditions of the Scheme. The right
shall include but is not limited to the right to instruct, without the need for any
authorization by the recipients, the CPF Board to deduct and pay to the HDB
the outstanding grant with interest, from the CPF monies standing in the
recipients’ CPF Ordinary Accounts. In the event of insufficient funds in the
recipients’ CPF Ordinary Accounts at the point of deduction, the recipients shall
pay the shortfall in cash to the HDB.

(b) If the Step-Up CPF Housing Grant (with interest) or any part thereof remains
unpaid or outstanding after written demand for payment by the HDB, whether
under the Conditions of the Scheme or otherwise, at any time as the HDB
deems fit in its discretion, this shall constitute a debt owed by the recipient to
the HDB/ Government.

(c) The HDB shall be entitled to commence enforcement action, including

compulsory acquisition of the Flat, against the recipients to recover the full
outstanding debt (inclusive of interest) without further notice to the recipients. In
addition, the recipients shall indemnify the HDB from and against all damages,
losses, costs and expenses, including all legal costs on a solicitor and client
basis.

(d) The recipient and his/ her spouse/ fiance/ fiancee (even if the spouse/ fiance/
fiancee is not a recipient) will not be allowed to buy any HDB/ DBSS flat or
Executive Condominium unit, or take over the lease of an existing flat/ unit until
all amounts outstanding and payable to the HDB have been paid in full.

In the event of any inconsistency between the Conditions of the Scheme and the
General Conditions for purchase of a flat under the applicable sales exercise or any
other terms and conditions as may be applicable or laid down by the HDB from time
to time relating to the sale and purchase of an HDB flat, the Conditions of the Scheme
shall prevail unless otherwise determined by the HDB in its discretion.

The HDB reserves the right to add, delete and/ or vary any of the Conditions of the
Scheme at any time it deems fit.

9 SIGNING AGREEMENT FOR LEASE

9.1 The construction of a BTO project and the sale of flats in this project will proceed
only after a certain number of flats in the BTO project have been booked. The
minimum number of flats to be booked shall be determined by HDB in its absolute
discretion and its decision shall be final and conclusive. HDB will assess the
minimum number of flats to be booked for each BTO project offered for sale
independently.

9.2 Once the number of flats booked for a BTO project exceeds the minimum number,
applicants will be invited to sign the Agreement for Lease and pay a downpayment.
In addition, they have to pay legal and stamp fees on the purchase price.
 9.3 Within nine (9) months after obtaining the Option to Purchase:
(a) Applicants who are taking a mortgage loan from HDB or not taking a
mortgage loan will have to pay 10% of the purchase price of the flat as
downpayment; and
(b) Applicants who are taking a mortgage loan from banks or financial
institutions licensed by the Monetary Authority of Singapore (MAS) will
have to pay 20% of the purchase price of the flat as downpayment.

9.4 Applicants who are taking a mortgage loan from banks or financial institutions
licensed by the Monetary Authority of Singapore (MAS), will have to comply with
the prevailing regulations and guidelines imposed by MAS and the respective
banks or financial institutions including stipulations relating to the Loan-To-Value
(LTV) limit and cash downpayment.
10 TAKING POSSESSION OF FLAT

10.1 Applicants are required to pay the balance purchase price (inclusive of sales
premium or resale levy, where applicable), before they can take possession of the
flat. They may use their CPF or cash savings and/or mortgage loan to pay the
balance purchase price (inclusive of sales premium or resale levy, where
applicable and subject to CPF Board’s and the mortgagee bank’s approvals).
Payment of resale levy and accrued interest due to HDB, must be made in cash.

10.2 Payment for the Balance of the Purchase Price

(a) For 99-year lease 2-room Flexi flat
Applicants are required to pay the balance purchase price (inclusive of sales
premium or resale levy, where applicable), before they can take possession
of the flat. They may use their CPF or cash savings and/or mortgage loan to
pay the balance purchase price (inclusive of sales premium or resale levy,
where applicable and subject to CPF Board’s and the mortgagee bank’s
approvals). Payment of resale levy and accrued interest due to HDB, must
be made in cash.

(b) For short-lease 2-room Flexi / Community Care Apartment

(i) No mortgage loan is granted to buy the short-lease 2-room Flexi flat
and Community Care Apartment. Applicants are required to pay the
balance of the full purchase price and the resale levy (if this applies)
before taking possession of the flat.
(ii) Applicants may use more CPF savings (if the CPF Board agrees), after
they have set aside the Basic Retirement Sum.

For more details, please visit the CPF Board’s website at www.cpf.gov.sg

10.3 Payment of Basic Service Package for CCA

(a) Applicants may choose between two payment plans for the Basic Service
Package as provided for in the Basic Service Package Agreement signed
between the Applicants and the service operator appointed by MOH.
(b) Applicants who choose the monthly payment option shall be required to
arrange for electronic payment, such as GIRO or such other payment
 method as may be advised, to the service operator throughout the lease
term in advance on a monthly basis and shall be required to make an
upfront payment comprising a one-year security deposit and first month fee
under the Basic Service Package before taking possession of the flat.
(c) Applicants who choose the 3-year upfront payment option shall be required
to arrange for electronic payment, such as GIRO or such other payment
method as may be advised, to the service provider throughout the lease
term in advance on a 3-yearly basis, and shall be required to make an
upfront payment being payment in advance under the Basic Service
Package for the first 3 years before taking possession of the flat.

If Applicants fail to pay for the Basic Service Package as provided for in the Basic
Service Package Agreement signed between the Applicants and the service operator
appointed by MOH, their flat application will be cancelled/ Agreement for Lease
repudiated and Clauses 12.2 and 12.3 on flat cancellation/ repudiation of Agreement for
Lease will apply accordingly.

10.4 Disposal of Existing Flat / Property

(a) An applicant or occupier listed in the application who is an owner of an

existing HDB flat (including Design, Build & Sell Scheme (DBSS) flat), must
dispose of /relinquish his/ her interest in the existing flat within 6 months from
taking possession of the new flat. The disposal/ relinquishment of the
existing flat is subject to HDB's approval and prevailing policies, rules and
regulations. Any HDB approvals for the existing flat to be rented out will also
be revoked after six months from the date of taking possession of the new
flat.

(b) Applicants or occupiers who are existing tenants of an HDB rental flat must
terminate the tenancy and surrender vacant possession of the rental flat to
HDB within 4 months from taking possession of the new flat.

(c) Applicants buying 2-room Flexi flat on short lease or Community Care
Apartment and their occupier listed in the application who own and have an
interest in a private property (refer to properties mentioned in para 3.6 (a))
must dispose of any interest in the private property, within 6 months from
taking possession of the new flat.

If you provided us with personal data:

a) where appropriate, we may use and/ or share necessary data with other
Government agencies (including statutory boards), so as to improve the
discharge of public functions (including but not limited to contacting you to
participate in surveys), and to serve you in the most efficient and effective
way unless such sharing is prohibited by law.
b) we may share your personal data with non-Government entities that have
been authorised to carry out specific Government services. We will NOT
 share your personal data with other non-Government entities without your
consent except where such sharing complies with the law; and/ or
c) for your convenience, we may also display to you data you had previously
supplied us or other Government Agencies (including statutory boards). This
will speed up the transaction and save you the trouble of repeating previous
submissions. Should the data be out-of-date or inaccurate, please supply
us the latest data.

Please contact us via our e-feedback form if you:

a) have any enquiries of feedback on our data protection policies and

procedures; and/ or
b) need more information on or access to data which you have provided directly
to us in the past.

11 AFTER TAKING POSSESSION OF FLAT

11.1 The applicant shall pay all rates, taxes, and charges imposed on the flat after the
actual date of completion of the purchase.

11.2 The applicant shall not transfer, assign, mortgage, rent out or part with the
possession of the flat or any part of the flat without the prior written consent of
HDB.

11.3 The applicant shall keep in good and tenable repair and condition the interior of
the flat including all fixtures and fittings.

11.4 The applicant shall notify HDB and obtain its prior written consent from the
respective HDB Branch before making any alterations or additions to the flat.

11.5 The applicant must observe and comply with all lease administration conditions
and policies for ownership of flats, which include the following:

(a) Subject to the prior written approval of HDB, the applicant and other core
members must physically and continuously occupy the flat for a 5-year
minimum occupation period (10-year minimum occupation period for Plus
flat and Prime flat) before he can apply to sell it in the open market or to
rent out the whole flat*.
(b) All applicants and occupiers listed in the flat cannot invest/ have an interest
in private residential property (including holding the property as a trustee
or being a beneficiary of a property held on trust), in Singapore or
overseas, during the 5-year minimum occupation period of the flat (10-
year minimum occupation period for Plus flat and Prime flat).
(c) Applicant and other core members cannot submit or be included in an
application to purchase another flat directly from the HDB or a new
Executive Condominium from the developer during the 5-year minimum
occupation period (10-year minimum occupation period for Plus flat and
Prime flat).
(d) If the applicant rents out the whole flat*, the rental period will not be
included in computing the 5-year minimum occupation period. HDB shall
 have the discretion to determine the computation of the minimum
occupation period.
(e) Applicant must inform HDB of any changes to his household composition
in the flat, including changes in marital status.
(f) Applicant and other core members have to comply with such other
conditions as determined by HDB from time to time.

* Not allowed to rent out the whole flat for 2-room Flexi flats on short lease, Community
Care Apartments, Plus flats and Prime flats.

11.6 Due to the additional subsidies given for purchase of Plus flat and Prime flat
(except 2-room Flexi on short lease) the Flat owners must pay to HDB a fixed
percentage of (known as a subsidy recovery amount):
(a) the higher of the resale price or the valuation (where HDB assesses that a
valuation is required at its discretion) of the whole Flat, when they dispose
of the Flat by way of resale (in whole or part); or
(b) the valuation of the Flat (where the consideration for the surrender or
compulsory acquisition under the Housing and Development Act 1959,
2020 Revised Edition is based on the valuation, if so determined by HDB
at its discretion), when they dispose of the Flat by way of surrender or if
the flat is compulsorily acquired by HDB under the Housing and
Development Act 1959, 2020 Revised Edition; or
(c) the valuation of the lease of the Flat to be sold to HDB under the Lease
Buyback Scheme (LBS), when they undergo the LBS transaction.

The payment of the subsidy recovery amount based on the formula above, is a
means for HDB to recover the additional subsidies upon disposal of any interest
in the Flat or if the flat is compulsorily acquired by HDB. This is in addition to any
resale levy which may be payable.

In the case of joint tenancy, all owners of the Flat will be equally liable for the
subsidy recovery amount. As for tenancy-in-common, all owners will be liable for
the subsidy recovery amount according to their shares in the Flat. Should any
owner(s) pass on before the disposal of any interest in the Flat, the full liability for
the subsidy recovery amount will fall on the remaining owner(s); and/or the
administrator/executor of the late owner’s estate; and/or any persons who
acquired an interest in the Flat by way of inheritance or gift, upon disposal of any
interest in the Flat. Should any owner(s) transfer his/her interest in the Flat, the
full liability for the subsidy recovery amount will fall on the remaining and/or new
owner(s), upon disposal of any interest in the Flat, except by way of another
transfer.

11.7 The payment of the subsidy recovery amount in Clause 11.6 upon the disposal
of any interest in the Flat will be prioritised ahead of all other
charges/deductions/refunds (e.g. refund of CPF/outstanding mortgage loan etc)
except for any outstanding property tax. If there are insufficient proceeds for the
payment of the subsidy recovery amount, the shortfall will be treated as a debt
owing to HDB by all owners and/or the administrator/executor at the point of
disposal.
11.8 If the subsidy recovery amount under Clause 11.6 is not fully paid, HDB reserves
the right to revoke its consent to the disposal of any interest in the Flat.

11.9 If the applicants fail or refuse to comply with Clauses 11.5, HDB has the right to
compulsorily acquire the Flat under the Housing & Development Act 1959, 2020
Revised Edition or recover the subsidy recovery amount under Clause 11.6 as
a debt and HDB will be claiming from the applicants all costs and expenses
(including but not limited to legal costs and administrative fee).

11.10 Plus flats and Prime flats may only be sold or transferred or otherwise disposed
to buyers (or such other persons as may be acquiring the flat or an interest in
the flat) who meet the prevailing eligibility conditions for the purchase of flats
directly from HDB and/ or other conditions, as determined by HDB.

12 FORFEITURE AND WAIT-OUT PERIOD UPON REJECTION OF FLAT

12.1 Before Signing Agreement for Lease

If the applicant rejects the booked flat before he/ she signs the Agreement for
Lease, his/ her application will be cancelled and applicants will forfeit the option
fee.

12.2 After Signing Agreement for Lease

If the applicant rejects the booked flat after he/ she signs the Agreement for
Lease, his/ her application will be cancelled and applicants will forfeit a sum
equivalent to 5% of the purchase price of the flat.

(a) Where the downpayment is paid using applicants’ CPF savings, HDB will
refund the balance downpayment (if any) to applicants’ respective CPF
Account. IRAS will process the refund of stamp fees paid using CPF
savings, subject to approval.

(b) Where any part of the balance downpayment is paid in cash, HDB will make
the refund to the applicants’ bank account. All applicants must sign and
submit a Letter of Authorisation specifying the proportion of the refund. The
refund of the balance downpayment paid in cash will be made to the bank
account via Interbank GIRO based on the details provided by the
applicants.

(c) IRAS will process the refund of stamp fees paid in cash, subject to approval.
The refund for any stamp fee using paid in cash will be via cheque and
based on the proportion specified by the applicants in the Letter of
Authorisation.

12.3 One-year Wait-out Period

Regardless of whether the applicant rejects the booked flat before or after signing
the Agreement for Lease, all applicants and core members listed in the flat
 application will have to wait out one year before they can apply for another
subsidised housing. This shall be without prejudice to any other actions which
HDB may take under other clauses.

During the one-year wait-out period, which starts from the date of cancellation of
the flat application, the applicants and core members of the cancelled application
are not allowed to submit any application or be included as core members in any
application for subsidised housing, which includes:

(a) buying a subsidised flat from the HDB;

(b) buying a resale flat with a CPF Housing Grant (including an Enhanced CPF
Housing Grant);
(c) buying an Executive Condominium (EC) unit from the developer;
(d) buying a resale flat that has been announced for Selective En bloc
Redevelopment Scheme (SERS)

13 TAGGING FOR ENJOYMENT OF SUBSIDIES

HDB will tag you and the core members in your HFE letter application who have
enabled you to qualify under an eligibility scheme for the enjoyment of housing
subsidies, when you purchase a flat from HDB or receive CPF housing grants for
a resale flat purchase. If you take up a housing loan from HDB for the flat
purchase, HDB will tag you and the core members for the enjoyment of the
mortgage subsidies.

HDB has the discretion to determine the core members in your HFE letter
application in accordance with the prevailing policies, rules and regulations.
Without prejudice to the generality of the aforementioned, the core members are
defined as follows:

(a) Purchase of a 2-room Flexi flat, 3-room or bigger flat from HDB, or resale
flat with CPF Housing Grant for Family:

(i) Applicant and his/her spouse;

(ii) Single applicant and his/her parent(s);
(iii) Widowed or divorced applicant and at least one child under his/her
legal custody, care and control;
(a) If the custody, care and control of the child(ren) under the age
of 21 is shared with another person, the applicant must obtain
the written agreement of this person before listing the child(ren)
in the HFE letter application.
(iv) Single applicant and one of his/her siblings who is an orphan and
single, if their parents are deceased; or
(a) At least one of their deceased parents must be an SC or SPR
and a copy of the parents’ Death Certificates must be submitted
to HDB for verification.
(v) Applicant and his/her fiancé/fiancée.
 (a) Both the fiancé and fiancée must be unmarried, widowed or
divorced (with Decree Nisi Absolute/ Final Judgment Decree &
Certificate of Divorce from the Syariah Court) at the time of the
HFE letter application.
(b) The fiancé/fiancée couple must submit their Marriage
Certificate to HDB within three (3) months of taking possession
of the flat.
(c) If either fiancé/fiancée is at least 18 but below 21 years old, the
written consent of his/her parents or guardians must be
submitted with the HFE letter application.

(b) Purchase of a 2-room Flexi flat from HDB on 99-year lease or resale flat
with CPF Housing Grant for Singles:

(i) Single applicant(s), who must be at least 35 years old at the time of
the HFE letter application; or
(ii) Single applicant, who must be at least 35 years old at the time of
the HFE letter application, and his/her non-resident spouse.
(a) If the single applicant is at least 21 but below 35 years old, the
non-resident spouse must submit his/her valid long-term Visit
pass or Work Pass with at least six (6) months’ validity with the
HFE letter application.

(c) Purchase of a 2-room Flexi flat on short lease

(i) Single applicant(s), who must be at least 55 years old at the time
of the HFE letter application; or
(ii) Applicant and his/her spouse, who must be at least 55 years old at
the time of the HFE letter application.

Note:
The acceptance of any application does not constitute an approval for the purchase of
a flat from HDB. Applicants' eligibility to buy a flat will be assessed under the prevailing
policies, rules and regulations. Applicants are required to produce relevant supporting
documents to confirm their eligibility for the flat purchase as and when required to do
so.

Applicants who are lacking in mental capacity to understand the nature and
consequences of the flat transaction they are entering into, will have to appoint a Deputy
under the Mental Capacity Act to act on their behalf. HDB reserves the right to cancel
application or remove an applicant’s name from the application, if the applicant is found
to be lacking in mental capacity.

HDB has the right to reject any application or delete any person’s name from the
application without assigning any reason. If HDB deems that the applicant is not eligible
to apply for an HDB flat or becomes ineligible to retain the application under HDB’s
prevailing policies / conditions in force from time to time, the application will be cancelled
and all monies paid will be forfeited, at the discretion of HDB.
The General Conditions For Purchase of A Flat Under Build-To-Order System (BTO)
contained in this form are current and subject to changes from time to time. HDB
reserves the right to add, delete and/or vary the terms and conditions at any time. All
decisions by HDB shall be final and conclusive.

Words importing the singular number or the masculine gender herein shall include the
plural number or the feminine gender where applicable.

CAUTION: IN ADDITION TO OTHER REMEDIES, THE HOUSING & DEVELOPMENT

ACT 1959, 2020 REVISED EDITION PROVIDES THAT ANY PERSON WHO MAKES
A FALSE STATEMENT IS LIABLE ON CONVICTION TO A FINE NOT EXCEEDING
$5,000 OR IMPRISONMENT FOR A TERM NOT EXCEEDING 6 MONTHS OR BOTH.

The HDB reserves the right to debar any person who makes a false statement from
buying a flat* or taking over ownership of a flat* by way of transfer, being included as a
core member of a flat* or taking up an HDB housing loan for a period of 5 years from
the date of cancellation of the application or the date of approval to compulsorily acquire
the HDB flat. Any existing application registered in the HDB’s rental waiting list will also
be cancelled.

* includes a unit to be bought under the Executive Condominium Housing Scheme