Eligibility for Purchasing an Executive Condominium in Singapore

You and any other applicants and essential occupiers need to meet several eligibility conditions such as citizenship, age, income, and property ownership

Overview of eligibility conditions

Overview of Executive Condominium Eligibility Conditions
Family nucleus

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

  • Public Scheme
  • Fiancé/Fiancée Scheme
  • Orphans Scheme
  • Joint Singles Scheme
Citizenship
  • 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
Age
  • At least 21 years old
  • At least 35 years old, if applying under the Joint Singles Scheme
Income ceiling
  • Your household income must not exceed the $16,000 income ceiling
Property ownership
  • You do not own other property overseas or locally, or have not disposed of any within the last 30 months
  • You have not bought a new HDB/DBSS flat or EC, or received a CPF Housing Grant before; or, have only bought 1 of these properties/received 1 CPF Housing Grant thus far

You can apply for a new EC under one of these eligibility schemes: Public Scheme, Fiancé/Fiancée Scheme, Orphans Scheme, and Joint Singles Scheme

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 (for widowed/divorced applicants)

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 parents/grandparents
  • Widowed/divorced with children and parents/grandparents

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 copy of your marriage certificate to the developer.

Submission of marriage certificate
If You: Submit Copy of Marriage Certificate:
Applied for a CPF Housing Grant Before taking possession of your EC
Did not apply for a CPF Housing Grant Within 3 months of taking possession of your EC

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 cases of break-up, you are not allowed to later put in the name(s) of a new spouse-to-be or of your parents in the application, even if the previous spouse-to-be 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 and parents/grandparents

Orphans Scheme

You and your siblings (those applying) are orphans and single (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

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

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

The CPF Housing Grant for singles is not available when buying an EC.

Your average gross monthly household income must not exceed $16,000.

A first-timer applicant is a person or household that has never received any form of housing subsidy, or similar benefit; a second-timer applicant is a person or household that has. If you are a second-timer and your spouse/spouse-to-be is a first-timer, you as a couple will enjoy first-timer privileges and priority.

First-timer applicant

First-timers enjoy privileges and priority in flat 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 will be glad to know that 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:
    • HDB flat bought from HDB
    • Resale flat bought using a CPF Housing Grant
    • 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)

Yes. There are instances where you may need to wait out a set time period before you can apply or be listed in the application for a new EC. This usually happens when someone:

  • Has not yet met a current flat/EC's Minimum Occupation Period (MOP)
  • Is a divorcee
  • Has previously cancelled an HDB flat application or terminated the Sale and Purchase Agreement for a DBSS flat/EC

MOP requirements: current owner of a flat/EC

Before applying for the new EC, do you or any other flat applicants and essential occupiers to be listed in the flat application own any of these?

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

If so, that person must have already met that flat/EC's 5-year MOP before being allowed to apply for a new EC.

In the case of current/prior EC ownership, you must also wait out a 30-month period from the EC's effective date of disposal as evidenced by your Notice of Transfer, or any other such documentation requested.

MOP requirements: current owner of a flat/EC
Type of Property Owned Time Period Before You Can Apply for a New EC
HDB flat bought from HDB,
or Resale flat bought with a CPF Housing Grant,
or DBSS flat bought from the developer
MOP of 5 years
EC bought from the developer MOP of 5 years + 30 months from date of EC disposal

MOP requirements: essential occupier of a flat/EC

An essential occupier of the following must have already met that flat/EC's 5-year MOP before being allowed to be listed in a new EC application, whether as an owner or essential occupier:

  • Flat bought from HDB
  • Resale flat bought with a CPF Housing Grant
  • DBSS flat/EC bought from the developer
MOP requirements: essential occupier of a flat/EC
Essential Occupier In: Time Period Before You Can Apply for a New EC
HDB flat bought from HDB, or
Resale flat bought with a CPF Housing Grant, or
EC/DBSS flat bought from the developer
MOP of 5 years

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

Assistance

For flat applications, priority flat allocation can be given under our Assistance Scheme for Second-Timers (Divorced/Widowed Parents) (ASSIST).

Cancelled an 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.

No, you may not. 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:

  • HUDC flats (privatised and non-privatised)
  • 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

Yes, provided that you only own/owned 1 of the following units prior to your application:

  • Flat bought from HDB
  • EC/DBSS flat bought from the developer
  • HDB resale flat bought using a CPF Housing Grant (only applies to first-timer applicants)

In essence, an eligible Singapore Citizen is allowed to buy the above properties twice in total, not twice per type of property.

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.

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