Eligibility for EC


 
 
Citizenship
  • You must be a Singapore Citizen
  • Your family nucleus must comprise at least another Singapore Citizen or Singapore Permanent Resident.
Age
  • You must be at least 21 years old at the time of application
  • If you are buying an Executive Condominium (EC) under the Joint Singles Scheme, you must be at least 35 years old
Family Nucleus

You must form a proper family nucleus under one of the following schemes:

Type of Scheme Family Nucleus Requirement
Public You, the applicant and;

  • Your spouse, and children (if any)
  • Your parents, and siblings (if any)
  • Your children under your legal custody, care and control (for widowed/ divorced)
Fiancé/Fiancée

You, the applicant and your fiancé/fiancée

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.

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 application

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.

Orphan

 

You, the applicant and;

  • Your unmarried siblings, or
  • Another single unrelated orphan
  • At lease one of your deceased parents was Singapore Citizen or Singapore permanent Resident
Joint Singles You, the applicant and another single person

  • All singles must be Singapore Citizens
  • At least 35 years old,
  • At lease one of your deceased parents was Singapore Citizen or Singapore permanent Resident

Special Conditions 

The CPF houseing Grant Scheme for Singles is not applicable for the purchase of an Executive condominium

You may buy a dual-key EC units offered by the developer if you form a multi-generation family as follows:

(i) Married couple with parents/grandparents
(ii) Fiancé and fiancée couple with parents/grandparents
(iii) Widowed/divorced with children and parents/grandparents

Income Ceiling

Your household income must not exceed the $14,000 income ceiling.

Press Release On 24 August 2015 – Affordable Homes, Closer Families, Stronger Ties

Press Release on 14 September 2011 – More choices for Executive Condominium buyers

 

Special Requirement for Undischarged Bankrupts

Undischarged bankrupts need to seek the Official Assignee (OA)’s consent if they are applying for an EC. However, they do not need to seek the OA’s approval to be listed as an occupier.

Ownership in Private Property

You, your spouse, any occupiers listed in the Application Form or their spouses must not own or dispose or have an estate or interest in any other flat, house, building or land*

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

* includes but 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 properties
  • Properties owned/acquired/disposed through nominees regardless of properties location

 

Owners/Ex-owners of HDB flats / DBSS flats / EC units

Each eligible Singaporean household can buy the following housing unit only twice:

  • a flat from the HDB;
  • a resale flat with the CPF Housing Grant*;
  • a DBSS flat from developer;
  • an EC unit from developer.

*Only applicable for first-timer applicants

If you have already bought two housing units, you will not be eligible to apply or be listed as an essential occupier in an application.

First-timer Applicants

You and the essential family members listed in the application for purchase of the flat must not:

  • Be the owners of a flat bought direct from HDB, a DBSS flat or an Executive Condominium bought from the developer
  • Have sold a flat bought direct from HDB, a DBSS flat or an Executive Condominium bought from the developer
  • Have received the CPF Housing Grant for the purchase of an HDB resale flat
  • Have taken other forms of housing subsidy (for example, benefitted under the Selective En bloc Redevelopment Scheme, privatisation of HUDC estate etc)


Higher Quota of the EC Supply for First-time Applicants during Initial Launch Period

From 2 March 2012, the developers will set aside 70% of the supply for first-timers during the initial launch period.

Second-timer Applicants

You or the essential family members listed in your application have owned/sold or are currently owners of:

  • Any HDB flat that was bought from HDB, or
  • Any resale flat that was bought under the CPF Housing Grant Scheme, or
  • A DBSS flat or an EC bought from the developer, or
  • Have enjoyed other forms of housing subsidy (for example, enjoyed benefits under the Selective En bloc Redevelopment Scheme, privatisation of HUDC estate etc.)
Resale Levy

Second-timers who apply for new EC projects from Before 9 Dec 2013 onwards will have to pay a Resale Levy .

Those who have previously bought a flat from the HDB or taken a CPF Housing Grant will have to pay a resale levy when they next buy a flat from the HDB. The resale levy is meant to reduce the subsidy on the second subsidised flat so as to maintain a fair allocation of public housing subsidies between first- and second-timer citizen families. You may use the Resale Levy Calculator to find out the amount of levy payable.

Amount Payable under the Revised Resale Levy Policy

The amount of resale levy is graded according to the flat type of the flat owners’ first subsidised flat. Under the revised policy, flat owners whose first subsidised flat is a 2-room flat will pay a resale levy of $15,000. Those whose first subsidised flat is a 3-room, 4-room, 5-room and Executive flat will pay a resale levy of $30,000, $40,000, $45,000 and $50,000 respectively when they purchase a second subsidised flat.

First Subsidised Flat Type Amount of Resale Levy Payable under the Revised Policy (From 3 Mar 2006*)
2-room $15,000
3-room $30,000
4-room $40,000
5-room $45,000
Executive Flat $50,000

* only applicable for those who submit their resale application and book a 2nd subsidised flat on/after 3 March 2006.

Which Resale Levy Policy applies to you

The revised resale levy has been implemented from 03 Mar 2006. The revised resale levy policy will apply to 2nd-timer applicants who book their 2nd subsidised flat from HDB and submit their resale application to sell their first subsidised flat, both of which must be on or after 3 March 2006.

The following flat owners will come under the Previous Resale Levy Policy:

  • Booked a second subsidised flat or an Executive Condominium unit from the developer before 3 Mar 2006. This is regardless of whether they have sold or submitted a resale application to sell the first subsidised flat, or
  • Sold the first subsidised flat and opted for deferred resale levy, or
  • Submitted a resale application to HDB before 3 March 2006 for the sale of their first subsidised flat

Amount Payable under the Previous Resale Levy Policy

Below are the charges under the Previous Resale Levy Policy, i.e. based on resale price or 90% of market valuation, whichever is higher:

Flat Type Resale Levy payable by family grant recipient +Resale Levy payable by singles/half grant recipient
2-room *10% / 15% *5% / 7.5%
3-room 20% 10%
4-room 22.5% 11.25%
5-room & Executive 25% 12.5%

*2-room flat sellers pay a lower rate, i.e. 10% or 5%, only if they buy a bigger flat direct from HDB.
+These resale levy rates apply only to sellers of flats previously bought with singles grant and who submit their resale applications on or after 15 Sep 2004

Resale Levy Payable by Single Grant recipients

Regardless of the applicability of Revised or Previous Resale Levy Policy, single citizens, who have purchased resale flats with the lower CPF Housing Grant for Singles, need to pay only half the levy amount when they subsequently form a family and buy or take over the ownership of a second subsidised flat.

Making Payment for the Resale Levy

The resale levy payable is determined at the point of booking of the second subsidised flat. The payment of resale levy is regardless of the type of ownership (i.e. joint-tenancy or tenancy-in-common) and the share of interest in the flat.

If you are buying your second subsidised flat, you can:

  • Pay the resale levy immediately at the point of resale, i.e. when selling your subsidised flat or
  • Defer the payment until you buy another flat from HDB. If you come under the previous resale levy policy and opt for this, an interest at the prevailing rate of 5% per annum will be charged.

You can pay the Resale Levy with either/combination of the following:

  • with your sale proceeds or
  • cash
  • HDB’s mortgage financing is not extended for the payment of the resale levy
Situation Procedure
If you

  • Book a second subsidised flat on or after 3 Mar 2006, and
  • Sell your first subsidised flat after taking possession of the second subsidised flat
  • The resale levy will be deducted from the sale proceeds when you sell your first subsidised flat in the open market
  • Any shortfall will have to be topped-up in cash
If you

  • Book a second subsidised flat on or after 3 Mar 2006, and
  • Sell your first subsidised flat before taking possession of the second subsidised flat
  • You can choose to pay resale levy at the point of:
    • Selling your existing flat in the open market, or
    • Taking possession of the second subsidised flat
If you pay at point of your resale transaction, i.e. when selling your subsidised flat
  • The resale levy will be deducted from the sale proceeds
  • Any shortfall will have to be topped-up in cash
  • Otherwise, the resale levy must be paid in cash before you can take possession of your second subsidised flat
If you

  • Submit an application to sell your first subsidised flat on or after 3 Mar 2006, and
  • Subsequently book a second subsidised flat on or after 3 Mar 2006
  • The resale levy has to be paid in cash before you can take possession of your second subsidised flat

Determining If Your First HDB Is A Subsidised Flat

If the answer is yes to any of the conditions below, it is considered that you have taken a housing subsidy and will be applicable to pay the resale levy stated above according to the size of your subsidised flat.
  • Bought, taken over ownership (by way of gift or otherwise) acquired an interest in, sold or transferred (by way of gift or otherwise) a Studio Apartment or flat direct from HDB, a HDB Resale Flat bought under the CPF Housing Grant scheme, DBSS flat or EC unit.
  • Taken other forms of housing subsidy (such as taken benefits under the Selective En Bloc Redevelopment Scheme (SERS), privatisation of HUDC estate etc.).
  • Unlocked part of the housing equity under the Lease Buyback Scheme (LBS) or transferred a flat under the LBS
  • Surrendered a Studio Apartment or a flat previously bought from HDB, an HDB Resale flat bought under the CPF Housing Grant scheme or a DBSS flat.

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However, second-timers are not required to pay the resale levy if they apply to buy EC units in projects that were launched before 9 Dec 2013. 

List of Executive Condominium  before 9 Dec 2013 

EC Project Developer
1 Canberra

(Yishun Avenue 7/ Canberra Drive)

MCC Land (Singapore) Pte Ltd
Heron Bay

(Upper Serangoon View/ Upper Serangoon Road)

Serangoon EC Pte Ltd
(Ho Lee Group Pte Ltd & Evia Real Estate Management Pte Ltd)
WATERBAY

(Punggol Central/ Edgefield Plains)

Qingjian Realty (South Pacific) Group Pte Ltd
Citylife@Tampines

(Tampines Central 7/ Tampines Avenue 7/ Tampines Avenue 9)

Singxpress Property
Development Pte Ltd
Creative Investments Pte Ltd
Kay Lim Realty Pte Ltd
The Topiary

(Fernvale Lane)

Peak Living Pte Ltd
Forestville

(Woodlands Avenue 5/ Woodlands Drive 16)

Hao Yuan Investment Pte Ltd
Twin Fountains

(Woodlands Avenue 6/ Woodlands Drive 16)

Opal Star Pte Ltd
Binjai Holdings Pte Ltd
Ecopolitan

(Punggol Way/ Punggol Walk)

Qingjian Realty (South Pacific) Group Pte Ltd
Lush Acres

(Sengkang West Way/ Fernvale Link)

Verspring Properties Pte Ltd
Sea Horizon

(Pasir Ris Drive 3/ Pasir Ris Rise)

Hao Yuan Development Pte Ltd
Waterwoods

(Punggol Field Walk/ Punggol East)

Sing Holdings Limited
SkyPark Residences

(Sembawang Crescent/ Sembawang Drive)

Oasis Development Pte Ltd
Bellewoods

(Woodlands Avenue 5/ Woodlands Avenue 6)

Qingjian Realty (South Pacific) Group Pte Ltd
Lake Life

(Yuan Ching Road/ Tao Ching Road)

Evia Real Estate (5) Pte Ltd
BBR Development Pte Ltd
CNH Investment Pte Ltd
OKP Land Pte Ltd
Bellewaters

(Anchorvale Crescent)

Qingjian Realty (South Pacific) Group Pte Ltd
The Terrace

(Punggol Drive/ Edgedale Plains)

Peak Square Pte Ltd
The Amore

(Punggol Central/ Edgedale Plains)

Master Contract Services Pte Ltd
Keong Hong Construction Pte Ltd

List of Executive Condominium after 9 Dec 2013 

EC Project Developer
Westwood Residences

(Westwood Avenue)

Changi Properties Pte Ltd

Heeton Homes Pte Ltd

The Vales

(Anchorvale Crescent)

Phoenix Real Estate Pte Ltd
The Brownstone

(Canberra Drive)

Verwood Holdings Pte. Ltd. and TID Residential Pte. Ltd.
Sol Acres

(Choa Chu Kang Grove)

MCL Land (Brighton) Pte. Ltd.
Signature At Yishun

(Yishun Street 51 (Parcel B))

JBE Holdings Pte Ltd
Existing Owner or Ex-Owner

Are you, your spouse or any of the essential occupiers listed in the application an existing owner or ex-owner of a:

  • Flat bought directly from HDB
  • DBSS flat bought from the developers
  • Resale flat bought under the CPF Housing Grant Scheme

If you belong to any of the above categories, you may apply to buy an EC on condition that a 5-year period (excluding any period of subletting of the whole flat) has lapsed from the *date of taking possession of the flat to the date of application for a new EC

* The date of taking possession refers to following dates (whichever is applicable):

  • Date of key collection, for flats that are bought direct from HDB
  • Date of resale completion, for purchase of resale flats from the open market bought with the CPF Housing Grant
  • Date of transfer at market value of the flat bought with CPF Housing Grant
  • Date of key collection for EC/DBSS flats bought from the developer
Ex-owners of an EC

Are you, your spouse or any of the essential occupiers listed in the application an ex-owner of an Executive Condominium bought directly from the developer? If yes, you would need to meet a 5-year period from the date of taking possession of the earlier Executive Condominium.

30-Month Period

In addition, you need to wait out a 30-month period from the effective date of disposal (i.e., date of legal completion of the sale of their Executive Condominium, evidenced by the Notice of Transfer or such other documentary evidence as HDB may require) of the Executive Condominium before you can apply to buy another Executive Condominium directly from the developer.

Essential Occupiers

You or any person listed the application must not be currently listed as an essential occupier of:

    • An existing HDB flat bought directly from HDB,
    • A DBSS flat bought under the CPF Housing Grant Scheme, or,
    • A resale flat bought under the CPF Housing Grant Scheme

However, an essential occupier may apply or be included in an application only if he has stayed in the existing flat for 5 years from the *date of taking possession of the existing flat to the date of application for an EC.

* The date of taking possession refers to:

    • The date of key collection, for flats that are bought directly from HDB
    • The date of resale completion, for purchase of resale flats from the open market bought with the CPF Housing Grant
    • The date of transfer at market value of the flat bought with CPF Housing Grant
    • The date of key collection for Executive Condominium/DBSS flats bought from the developer, whichever is applicable.
Cancellation of Application After Booking a Flat

If you book a flat from the March 2012 Build-To-Order and Sale of Balance Flats Exercises onwards and subsequently cancel the flat booking, you will have to meet a 1-year period from the date of cancellation before you can apply or included as an essential occupier in an application for a:

  • new HDB flat
  • DBSS flat from developers
  • Executive Condominium unit from the developers
  • resale flat with CPF Housing Grant
  • resale flat that has been announced for SERS
Divorcees

Within three years from the date of the divorce, only one party in the divorce can own one of the following housing units:

  • a flat bought directly from the HDB
  • a DBSS flat / EC bought directly from a private developer
  • a resale flat bought from open market under the CPF Housing Grant Scheme

If you have an existing matrimonial home, which is one of the above, and that home is retained by your ex-spouse, you may apply to buy or be listed as an essential occupier in any of the above housing unit only three years after your date of divorce.

However, this three-year wait out period will not apply if you are buying any of the above homes with your parents or a new spouse, or if you are buying a resale flat from the open market without the CPF Housing Grant.

If there is no matrimonial home or the matrimonial home was bought from the open market without any CPF Housing Grant, you may apply for any of the above housing units after you get your ex-spouse’s consent not to own or be listed as an essential occupier in any of the above housing units within the three-year period from the date of divorce.

The requirement for ex-spouse’s consent is waived if you are buying any of the above housing units with your parents or a new spouse or if you are buying a resale flat from the open market without the CPF Housing Grant.

The requirement to seek ex-spouse’s consent during the three-year period from the date of divorce is also waived if you meet the following conditions:

  • All your children are below 18 years old at the date of divorce; and
  • You have the legal custody of all your children and are also the only parent with the care and control of all your children.
Person Who Has Bought an EC/DBSS Flat with CPF Housing Grant

A person who bought an EC or DBSS flat with CPF Housing Grant and terminated the Sale and Purchase Agreement may apply to buy an EC.

However, this is allowed on the condition that a 5-year period has lapsed from the termination date of the Sale & Purchase Agreement of their earlier EC or DBSS flat purchase, to the date of application date for an EC.