HDB Schemes for Couples and Families

Fiancé/fiancée pairs form the core family nucleus to buy a flat. Key conditions include:

• Citizenship: For new flats, applicant must be a Singapore Citizen and include at least one other SC/SPR. For resale flats, applicant must be SC/SPR and include at least one SC/SPR occupant; all SPR applicants/core occupiers must have held SPR status for at least 3 years if no SC in the household.
• Age: At least 21 years old.
• Income: For new flats, income ceilings apply (e.g., 2-room Flexi (99-year) up to $7,000; 3-room up to $14,000 or $7,000 depending on project; 4- and 5-room up to $14,000; higher ceilings when buying with extended/multi-generation families as specified). No income ceiling for resale flats, though ceilings apply to qualify for CPF grants and HDB loans.
• Property ownership: All applicants/occupiers must not own or have interest in any local/overseas private residential property and must observe required wait-out periods after disposal (typically 30 months for new/Plus/Prime/resale with grants or HDB loan; 15 months for non-subsidised resale without HDB loan). Non-residential property: limits vary by purchase type (generally up to 1 at HFE application for subsidised options). Special provisions apply to citizens aged 55+ buying short-lease 2-room Flexi or 65+ buying Community Care Apartments.
• Previous subsidies: Count towards second-timer status and resale levy when buying from HDB; do not bar resale purchases but affect grant eligibility.
• Undischarged bankrupts: Prior consent required from the Official Assignee/private trustee for larger/ higher-priced flat purchases; not required if listed only as occupier. Other conditions and definitions (e.g., core family nucleus, MOP) apply as per HDB rules.