You and any other applicants and essential occupiers must meet several eligibility conditions before purchasing an EC

Family Nucleus & Eligible Schemes

 

You will need to qualify for the EC under one of these eligibility schemes:

  1. Public Scheme
  2. Fiancé/Fiancée Scheme
  3. Orphans Scheme
  4. Joint Singles Scheme

 

1. Public Scheme

You form a family nucleus with any of the following:

  • Spouse, and children (if any)
  • Parents, and siblings (if any)
  • Children under your legal custody, care and control (if widowed/divorced#)

#If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application.

No change of people listed in the application

Applications under this scheme are only valid if there are no changes to the people listed in the application. This means that in the case of a break-up, you are not allowed to subsequently include the name(s) of a new fiancé/fiancée or your parents in the application, even if your ex-fiance/fiancée agrees.

If applying for a dual-key EC as a multi-generation family

A multi-generation family is any of the following:

  • Married/engaged couple and parent(s)/grandparent(s)
  • Widowed/divorced with children under legal custody, care and control# and parent(s)/ grandparent(s)

#If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application.

 

2. Fiancé/Fiancée Scheme

  • You form a family nucleus with your spouse-to-be.

Submission of marriage certificate

Under this scheme, you need to submit a photocopy of your marriage certificate to the developer within 3 months* of collecting your keys to the EC unit.

*Applicable for Option To Purchase granted by property developer on or after 1 May 2018

Written parental consent needed if spouse-to-be is 18 years old and above, but below 21

  • That person can only be listed as an essential occupier in the flat application
  • Written consent from that person’s parents/ guardians must be submitted during the EC selection appointment.

Special Marriage Licence needed if spouse-to-be is below 18 years old

Following your flat application, you must obtain a Special Marriage Licence from the Ministry of Social and Family Development and submit it to us during the EC selection appointment.

No change of people listed in the application

Applications under this scheme are only valid if there are no changes to the people listed. That means that, in a case of break-up, you are not allowed to subsequently include the name(s) of a new Fiancé/Fiancée or your parents in the application, even if your ex-Fiancé/Fiancée agrees.

If applying for a dual-key EC as a multi-generation family

A multi-generation family is any of the following:

  • Married/ engaged couple and parents/ grandparents
  • Widowed/divorced with children under legal custody, care and control# and parent(s)/grandparent(s)

#If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application.

 

3. Orphans Scheme

You and your siblings (those applying) are orphans and single, i.e. unmarried, divorced, or widowed:

  • All of the siblings that are single must be listed in the same application
  • At least 1 of the deceased parents was a Singapore Citizen or Singapore Permanent Resident

Please note that under the Orphans Scheme, siblings are not allowed to buy or rent flats separately.

 

4. Joint Singles Scheme

You and up to 3 other co-applicants, and all of you are:

  • Single (unmarried, divorced, or widowed)
  • Singapore Citizens
  • At least 35 years old
  • Applying jointly as co-applicants

 

Do take note that the CPF Housing Grant for singles is not available when buying an EC.

Citizenship Requirements

  • You must be a Singapore Citizen
  • At least 1 other applicant must be a Singapore Citizen or Singapore Permanent Resident
  • All singles must be Singapore Citizens if applying under the Joint Singles Scheme

 

First-Timer vs. Second Timer Applications

First-timer applicant

First-timers will enjoy priority in unit allocation

Yours will be treated as a first-timer application if you and any of the other listed owners and essential occupiers meet the following criteria:

  • Not the owner of a flat bought from HDB, or an EC/ DBSS flat bought from a developer
  • Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
  • Not received any CPF Housing Grant for the purchase of an HDB resale flat
  • Not taken any form of housing subsidy (e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS) or HUDC estate privatisation)

 

If you are a second-timer and your spouse/ spouse-to-be is a first-timer, you and your spouse/ spouse-to-be will enjoy first-timer privileges and priority as a couple.

Second-timer applicant

Yours will be treated as a second-timer application if any of the following applies to you or any of the other listed owners and essential occupiers:
  • Have owned or sold any of the following:

A) HDB flat bought from HDB

B) Resale flat bought using a CPF Housing Grant

C) EC/ DBSS flat bought from the developer

  • Once taken some form of housing subsidy (e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation)

Minimum age to purchase EC

  • At least 21 years old
  • At least 35 years old, if applying under the Joint Singles Scheme

Income Ceiling & Documents Required

  • Your average gross monthly household income must not exceed $14,000. If your gross monthly house income does exceed $14,000, please contact us and we will review your application on a case-by-case basis.

 

For Undischarged Bankrupt

Prior consent must be obtained from the Official Assignee (OA) or the private trustee if you are applying to buy an EC. You do not need to seek prior consent from the OA or the private trustee if you are listed as an essential occupier.

 

Income Documents for the Different Employment Nature

For the application of your selected unit, you and the other applicants and essential occupiers will need to get ready the following documents for verification:

  • #3 months’ payslips preceding the month of application, if employed full-time (not on commission-basis)
  • +6 months’ of income documents preceding the month of application, for other types of employment
  • Proof of unemployment, if not working

Aside from the above documents, we may also request other documents for verification if needed.

 

A)  Employed Person

  • #3 months’ payslips preceding the month of application

or

  • Letter from employer certifying salaries for #3 months preceding the month of application; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Note: If your income includes allowances, we will require +6 months’ payslips preceding the month of application.

 

B) Self-Employed Person

  • Latest NOA from IRAS or Statement of Annual Accounts certified by an audit firm

and

  • Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) or valid licence of trade

and

  • Statutory Declaration affirming the average gross monthly income for +6 months preceding the month of application

 

C) Part Time Worker

  • +6 months’ payslips preceding the month of application

or

  • Letter from employer certifying salaries for +6 months preceding the month of application; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

 

D) Commission-Based Person

  • +6 months’ commission statements/ payslips preceding the month of application

or

  • Letter from employer certifying salaries for +6 months preceding the month of application; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

 

E) Odd Job Worker

  • Latest NOA from IRAS

or

  • Letter from employer certifying salaries for +6 months preceding the month of application; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

 

F) Unemployed person (between 18 to 62 years old)

  • Statutory Declaration affirming the employment status

or 

  • Valid Student Pass or letter from school/ college/ institute of learning to confirm student status, if currently a full-time student
  • If unemployed for less than 3 months, the following documents are required:
    • Income proof for the preceding month(s) from the previous employer stating gross monthly income and last day of service
    • Latest 15 months’ CPF contribution history

 

Additional Notes:

Income/ allowance that will be considered for income assessment
  • Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • Sustenance allowance
  • Stipend
Income/ allowance that will not be considered for income assessment
  • Alimony allowance
  • Bonuses
  • Director’s fee
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance
  • ^Overseas cost of living allowance
  • ^Pension

 

^Applicable for cases with Option to Purchase granted from 28 Aug 2018 onwards

Previous or Current Ownership (full/partial) in local/overseas private property

For an EC flat application, all the listed owners and essential occupiers must not own, dispose, or have an estate or interest in any other local or overseas property:

  • Within 30 months before the date of the EC application, and up to the date of taking possession of the EC

 

The properties considered in this instance include but are not limited to:

  • Privatised HUDC flats
  • Properties acquired by gift
  • Properties inherited as beneficiaries under a will or as a result of the Intestate Succession Act
  • Private property
  • Properties owned, acquired, or disposed through nominees, regardless of properties’ location

 

Owners/Ex-Owners of HDB flats, DBSS flats or EC Units

Each eligible Singaporean household can only buy the following housing unit twice in total (not twice per property type):

A) HDB (BTO) flat bought directly from HDB

B) Resale flat bought with CPF housing grants (only for first-timer applicants)

C) DBSS or EC unit bought directly from developer

If you have already bought 2 such properties, you will not be eligible to apply for an EC or be listed as an essential occupier in an application.

Time bar period for ineligible applicants

This usually happens when someone:

  • Has not met the Minimum Occupation Period (MOP) of a current flat/ EC unit
  • Is a divorcee
  • Has previously cancelled a flat application, or twice chose to not book a flat

MOP requirements: current owner/ essential occupier of a flat or an EC unit

Before applying for the new EC unit, you need to check if you or any other flat applicant(s)/ essential occupier(s) to be listed in the EC application own any of these:

  • HDB flat bought from HDB or on the open market
  • EC unit/ DBSS flat bought from the developer

If so, that person must have already met that flat/ EC’s 5-year MOP before he can apply for a new EC unit. An essential occupier must also have met the flat/ EC’s 5-year MOP before he can be listed in a new EC application.

In the case of ECs, you must also wait out a 30-month period from the EC’s effective date of disposal, which we will verify using your Notice of Transfer, or any other such documentation we may require.

Divorcee

In case of a divorce, conditions will apply for the following types of property:

  • Flat bought from HDB
  • Resale flat bought with a CPF Housing Grant
  • DBSS flat/ EC bought from the developer

3-year wait-out period

  • For 3 years from the date of the divorce, only 1 party in the divorce can own any of the above properties
  • If any of the above properties was the matrimonial home and is now owned by your ex-spouse, you must wait for 3 years before you can buy or be listed as an essential occupier in one
  • If the matrimonial home was not one of the above, or if there was no matrimonial home, 1 party can apply for the abovementioned property types. However, the other party must first undertake to not own or be listed as an essential occupier of said properties for 3 years from the date of the divorce

Exception

There is no need for any 3-year wait-out period or undertaking if you are:

  • Buying one of the above properties with your parents and/ or new spouse
  • A parent meeting these conditions:
    • ​All of your children are aged below 18 at the date of the divorce
    • All the children are under your legal custody and you are the only parent given the care and control of your children

Note:  The 3-year wait-out period will not apply where the Option-to-Purchase (OTP) is granted on or after 6 Mar 2018.

Cancelled a HDB flat application after booking a flat

If you booked a new HDB flat and subsequently cancel your booking, you must wait out a 1-year period from the date of the cancellation before you can apply or be listed as an essential occupier of a:

  • New HDB flat
  • DBSS flat/ EC bought from a developer
  • Resale flat bought using a CPF Housing Grant
  • Resale flat announced for SERS

Terminated the Sale and Purchase Agreement for an EC/ DBSS flat

If you had previously bought a DBSS flat/ EC using a CPF Housing Grant and subsequently terminated the Sale and Purchase Agreement, you must wait out a 5-year period from the date of the termination before you can apply or be listed as an essential occupier of an EC.

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