Buying a house as a single man

All flat types (excluding 3Gen flats) in any location

Note:

Up to 5-room if applying for CPF housing grants

• 35 years old or above if unmarried or divorced
• 21 years old or above if widowed or an orphan^

^ At least 1 of your deceased parents was an SC or Singapore Permanent Resident (SPR)

2-room Flexi flat (99-year lease): $7,000

For short-lease 2-room Flexi flat, please refer to seniors.

No income ceiling

Note:

Income ceiling applies to qualify for CPF housing grants (excluding Proximity Housing Grant) and HDB housing loan.

All applicants and occupiers listed in the flat application:

• Must not own or have an interest in any local or overseas private property; and
• Must not have disposed of any private property in the last 30 months before the flat application to buy a flat from HDB or resale PLH flat on the open market.

Private properties include but are not limited to houses, buildings, land, Executive Condominium (EC) units and privatised HUDC flats. You have acquired an interest in a property through purchase or when it is:

• Acquired by gift;
• Inherited as a beneficiary under a will or from the Intestate Succession Act; or
• Owned, acquired, or disposed of through nominees.

All applicants and occupiers listed in the resale application:

• Must not own or have an interest in any local or overseas private residential property; and
• Must not have disposed of any private residential property in the last 15 months before the resale application.

The above conditions do not apply to seniors (and their spouses) aged 55 and above who are moving from their private property to a 4-room or smaller resale flat. Nevertheless, these seniors must dispose of the property within 6 months of the completion of the flat purchase.

Note:

If you own or have an interest in any local or overseas private property or have disposed of any private property in the last 30 months before the resale application or application for an HDB Loan Eligibility letter, you are not eligible for CPF housing grants (excluding Proximity Housing Grant) and/ or an HDB housing loan.

Only first-timers may qualify.

If you have taken a housing subsidy, you are a second-timer and will not be eligible. A subsidised housing unit refers to:

• A flat bought from HDB
• An HDB resale flat bought on the open market with CPF housing grant
• A Design Build and Sell Scheme (DBSS) flat bought from a property developer
• An EC unit bought from a property developer
• Other forms of housing subsidy (e.g., enjoyed benefits under the Selective En bloc Redevelopment Scheme (SERS), privatisation of HUDC estate, etc.)

Any previous housing subsidy taken does not affect the eligibility to buy a resale flat.

Note:

If you have taken any housing subsidies, you are not eligible to apply for CPF housing grants (excluding Proximity Housing Grant).

$15,000, incorporated into the price of the booked flat

Not applicable

Eligible buyers may apply for the following CPF housing grants for their flat purchase:

• Enhanced CPF Housing Grant (Singles)

Eligible buyers may apply for the following CPF housing grants for their flat purchase:

• CPF Housing Grants (Singles)
• Enhanced CPF Housing Grant (Singles)
• Proximity Housing Grant (Singles)

You must:

• Be a Singapore Citizen (SC)
• Include at least 1 other co-applicant who is an SC

• 35 years old or above if single or divorced
• 21 years old or above if widowed or an orphan

2-room Flexi flat (99-year lease):

• $7,000

For short-lease 2-room Flexi flat, please refer to seniors.

No income ceiling

Note:

Income ceiling applies to qualify for CPF housing grants (excluding Proximity Housing Grant) and HDB housing loan.

All applicants and occupiers listed in the flat application:

• Must not own or have an interest in any local or overseas private property; and
• Must not have disposed of any private property in the last 30 months before the flat application to buy a flat from HDB or resale PLH flat on the open market.

Private properties include but are not limited to houses, buildings, land, Executive Condominium (EC) units and privatised HUDC flats. You have acquired an interest in a property through purchase or when it is:

• Acquired by gift;
• Inherited as a beneficiary under a will or from the Intestate Succession Act; or
• Owned, acquired, or disposed of through nominees.

All applicants and occupiers listed in the resale application:

• Must not own or have an interest in any local or overseas private residential property; and
• Must not have disposed of any private residential property in the last 15 months before the resale application.

The above conditions do not apply to seniors (and their spouses) aged 55 and above who are moving from their private property to a 4-room or smaller resale flat. Nevertheless, these seniors must dispose of the property within 6 months of the completion of the flat purchase.

Note:

If you own or have an interest in any local or overseas private property or have disposed of any private property in the last 30 months before the resale application or application for an HDB Loan Eligibility letter, you are not eligible for CPF housing grants (excluding Proximity Housing Grant) and/ or an HDB housing loan.

Only first-timers may qualify.

If you have taken a housing subsidy, you are a second-timer and will not be eligible. A subsidised housing unit refers to:

• A flat bought from HDB
• A resale flat bought on the open market with CPF housing grant
• A Design Build and Sell Scheme (DBSS) flat bought from a property developer
• An EC unit bought from a property developer
• Other forms of housing subsidy (e.g. enjoyed benefits under the Selective En bloc Redevelopment Scheme (SERS), privatisation of HUDC estate, etc.)

Any previous housing subsidy taken does not affect the eligibility to buy a resale flat.

Note:

If you have taken any housing subsidies, you are not eligible to apply for CPF housing grants (excluding Proximity Housing Grant).

Eligible first-timers may apply for the following CPF housing grants for their flat purchase:

• Enhanced CPF Housing Grant (Singles)

Eligible first-timers may apply for the following CPF housing grants for their flat purchase:

• CPF Housing Grants (Singles)
• Enhanced CPF Housing Grant (Singles)
• Proximity Housing Grant (Singles)