I am single and want to buy a resale HDB flat

If you are single and would like to purchase a resale HDB flat, you could only apply under the Single Singapore Citizen Scheme or the Joint Singles Scheme.

Both schemes are pretty much the same, except that the Single Singapore Citizen scheme allows you to purchase a resale HDB flat by yourself while the latter scheme will allows you to purchase it together with another Single Singapore Citizen (up to 3 other co-applicants).

Single Singapore Citizen Scheme (SSC)

If you MUST be a Singapore Citizen and at least 35 to be eligible to purchase a resale HDB flat under this scheme. The conditions are :

Citizenship
You must be a Singapore Citizen.

Age
You must be at least 35 if you are unmarried or divorced.

If you are widowed, you must be at least 21.
If you are an orphan who does not have other siblings below 35 buying a separate flat under the Orphans Scheme, Joint Singles Scheme or SSC Scheme, you must be at least 21.

Marital Status
You must be unmarried, divorced or widowed.

Income Ceiling
There are no income ceiling, 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 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.

Joint Singles Scheme (JSS)

The Joint Singles Scheme allows you and your single friends/relatives to purchase a resale HDB flat together, those purchasing under this scheme need to be related to be eligible for this scheme, but you and your single friends/relatives must meet the following conditions to be eligible:

Citizenship
You and your friend/relative MUST be Singapore Citizens.

Age
You and your friend/relative must be at least 35 if unmarried or divorced.

If all of you are widowed, you and your friends/relative must be at least 21.
If you are an orphan who does not have other siblings below 35 buying a separate flat under the Orphans Scheme, Joint Singles Scheme or SSC Scheme, you must be at least 21.

Marital Status
All of you must be unmarried, divorced or widowed.

Additional Condition
You must buy the flat jointly as co-applicants with the rest of them.

Income Ceiling
There are no income ceiling, 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 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.

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