My child and I want to apply for a Resale HDB flat

If you and your spouse are not divorced or separated and would like to apply for a resale HDB flat with your children, you could apply under the Public scheme or the Non-Citizen Family Scheme (depending on your citizen status).

If you are widowed, divorced or separated and your children are under your custody, you could too apply for a resale HDB flat under the Public Scheme or the Non-Citizen Family Scheme with your children. However, you MUST be a Singapore Citizen to be eligible for any of the 2 Scheme.

Public Scheme

This scheme is the most fundemental one, most of the HDB home owners purchased their HDB flat under this scheme. To apply under this scheme you and your spouse fall in the following criteria:

Citizenship
You must either be a Singapore Citizen or a Singapore Permanent Resident.

Age
You must be at least 21.

Family Nucleus
You must form a family nucleus, such as:
• Your spouse and children, if any; or
• Your parents and siblings; or
• Your children under your legal custody, care and control (for widowed, divorced or separated persons).

Income Ceiling
There are no income ceiling, however, should you apply for the CPF Housing Grant, your household income must be less than $3000 (for CPF Housing Grant for Single) or $8000 (for CPF Housing Grant for Family), else you will not be granted the CPF Housing Grant.

Ownership of Private Residential Property
You can own private property but must live in the resale HDB flat, but if you are applying for CPF Housing Grant, you MUST not be owner of any private property.

Ethnic Integration Policy
You are allowed to buy a resale HDB flat in any town or estate, but provided that the approved proportion of your ethnic group has not been reached.

The Ethnic Integration Policy is a government regulation to ensure that there are equal or even distributions of different ethnic groups in each town or estate.

CPF Housing Grant for Singles or for Family
If you are eligible to apply for a resale HDB flat under this scheme, you are most likly to be eligible to apply for the CPF Housing Grant for Family or Singles.

Non-Citizen Family Scheme (NCF)

The Non-Citizen Family Scheme allows you ( a Singapore Citizen) with your children (non-citizen family members) to buy a resale HDB flat. To be eligible for this scheme you need to meet the following conditions:

Citizenship
You must be a Singapore Citizen.

Age
You must be at least 21.

Family Nucleus
You must form a family nucleus, such as:
• Your parents and siblings; or
• Your children under your legal custody, care and control (for widowed, divorced or separated persons).

Your parents, siblings or children who will be listed as occupier must have a social visit pass (including work permit) of at least 6 months.

If the social visit pass expires during the resale transaction, you have to produce the renewed social visit pass at the point of completion of the resale transaction.

Income Ceiling
There are no income ceilin, however, should you apply for the CPF Housing Grant for Single, your household income must be less than $3000, else you will not be granted the CPF Housing Grant.

Ownership of Private Residential Property
You can own private property but must live in the resale HDB flat, but if you are applying for CPF Housing Grant, you MUST not be owner of any private property.

Ethnic Integration Policy
You are allowed to buy a resale HDB flat in any town or estate, but provided that the approved proportion of your ethnic group has not been reached.

The Ethnic Integration Policy is a government regulation to ensure that there are equal or even distributions of different ethnic groups in each town or estate.

CPF Housing Grant for Singles
You may only apply for the CPF Housing Grant for Singles if you are at least 35 and meet all the eligibility conditions under the CPF Housing Grant Scheme for Singles. Since the rest of your family members (occupiers) are non-citizen, you are not eligible for the CPF Housing Grant Scheme for Family.

Back to Guide to Purchasing a Resale HDB Flat

Note : This information is provided only as a reference, It is updated as frequent as possible, however, readers are advice to obtain the latest iinformation from www.hdb.gov.sg