🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 157 (from laksa087)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa157.int.ahrefs:8124/' \
  -H 'Content-Type: text/plain' \
  -H 'X-ClickHouse-Database: crawler3' \
  -H 'Authorization: Basic YXBpOg==' \
  -d 'SELECT getAhrefsURLFromUnparsed(src_unparsed) AS found_url, ifNull(toUnixTimestamp(download_stamp), 0) AS crawl_time, ifNull(toUnixTimestamp(props_url_first_seen), 0) AS first_indexed_time, download_http_code AS http_code, src_unparsed AS src_unparsed, src_root_hash AS src_root_hash, history_drop_reason AS history_drop_reason, meta_title AS meta_title, meta_descriptions AS meta_descriptions, attrs_boilerpipe_text AS attrs_boilerpipe_text, attrs_markdown AS attrs_markdown, attrs_readable_markdown AS attrs_readable_markdown, meta_canonical AS meta_canonical FROM crawler3.page_info_local FINAL PREWHERE (src_root_hash, src_unparsed) IN ((getAhrefsRootHashFromUnparsed(getAhrefsUnparsedNoserviceFromURL(\'https://thehoneycombers.com/singapore/buying-a-hdb-flat-in-singapore/\')), getAhrefsUnparsedNoserviceFromURL(\'https://thehoneycombers.com/singapore/buying-a-hdb-flat-in-singapore/\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/thehoneycombers.com\/singapore\/buying-a-hdb-flat-in-singapore\/","crawl_time":1775765382,"first_indexed_time":1664262371,"http_code":200,"src_unparsed":"com,thehoneycombers!\/singapore\/buying-a-hdb-flat-in-singapore\/ s443","src_root_hash":"2412693375138013157","history_drop_reason":null,"meta_title":"How to buy an HDB flat in Singapore:All you need to know | Honeycombers","meta_descriptions":["Thinking about buying an HDB flat in Singapore? We share tips and what you need to know to secure your own sweet abode."],"attrs_boilerpipe_text":"Photography: Nathan Oh via Unsplash\nWhere do you begin on your journey to find a brand new house? Here's the 101 on buying an HDB flat in Singapore.\nEveryone wants a place to call their own. You probably can’t wait to build the most gorgeous\ndining room\nto host\nhouse parties\n, or that gaming room you’ve been dreaming about since you were a kid. But if you’re a first-time homeowner, the application and buying process can be confusing. To help you out, here’s a quick guide on how to buy a Housing Development Board (HDB) flat in Singapore.\n1. Who’s eligible to buy an HDB flat?\nPhotography: Jiachen Lin via Unsplash\nTo buy a flat, you must be a Singaporean citizen or Permanent Resident (PR) who has lived in Singapore for at least three years. If you’re a PR, you’ll only be eligible to buy a Built To Order (BTO) flat if your spouse is a Singaporean citizen. This means it’s not possible for two PRs to buy a new flat. Your only options are a resale HDB flat or private property. Single PRs cannot buy an HDB flat, including resale flats.\nIf you’re a foreigner and want to buy an executive condo, you’ll need to wait 10 years after the date of the Temporary Occupation Permit (TOP). This is when all restrictions to selling the flat are lifted.\n2. How do I buy an HDB flat?\nPhotography: Ivan Yeo via Unsplash\nHDB buyers have a variety of grants to help with the purchase of the flat. But they come with terms and conditions, ranging from joint income to the distance from your parents’ home. There are several schemes available as well, including the Fiancé\/Fiancée Scheme and the Orphans Scheme. However, similar to grants, these have a list of conditions. For example, single citizens in Singapore can purchase their own flats under the Singles Scheme, but they have to be aged 35 and above to qualify.\nFinancing your flat may be beyond your means – but don’t fret. You have loans for that. HDB provides concessionary loans for HDB flat buyers. And you can seek a bank loan as another option. Like everything else in Singapore, there are restrictions, so make sure you’ve checked your eligibility before applying for an HDB flat.\n3. Types of HDB flats to choose from\nPhotography: Muhd Asyraaf via Unsplash\nSo you’re ready to make a long-term, almost forever (or rather, 99 years) commitment to the Housing Development Board? Well, you have options. The most popular types of residential units are Build To Order (BTO) flats, Design, Build and Sell Scheme flats (DBSS), executive condominiums (EC), Sale Of Balance flats (SBF) and resale flats. We break it all down for you…\nBuild To Order (BTO)\nFor young couples and people looking for a starter home, applying for a BTO flat is the way to go. It’s almost the most affordable of the lot. The BTO scheme is a responsive system that offers flexibility in location and timing for those looking to buy a new HDB flat. Eligible buyers can choose their preferred location from specific sites launched four times a year. We recommend subscribing to the\nHDB eAlert service\nto stay up to date with the latest launches, announcements and policies.\nDesign, Build and Sell Scheme (DBSS)\nFor something in between a BTO and an executive condominium, try an HDB flat under the DBSS scheme. First introduced in 2005, these flats are developed by private developers and agencies. They’re usually spiffier than a typical HDB flat – which means they cost more because they come fully furnished with cabinets, bathrooms and air-conditioning.\nExecutive Condominiums (EC)\nGot the moolah to spare? Consider spending your dollars on an executive condo. The EC combines the best of public and private housing. They usually resemble private condominiums and are enclosed within a gated compound with security. You’ll get access to amenities like a swimming pool, clubhouse, playground and the works. Though built and sold by private developers, they come at a lower price than private homes because the land is subsidised by the government.\nSale Of Balance flats (SBF)\nKnow any couples who got a BTO flat and gave it up at the last minute? Well, under this scheme, forfeited flats are pooled together and resold to new couples or families. This is a great option if you don’t want to wait a couple of years for a new flat to be built. There are typically two launches a year: in May and November. But take note that if you apply for an SBF flat, you won’t be able to apply for a BTO at the same time. So weigh your options carefully.\nResale flats\nPrefer a roomier flat, or want to stay in a mature estate? Get a resale. This is a great deal, especially if a brand new flat isn’t your priority. Resale flats are older and most have less than 99 years left on their lease. They’ll probably come with a higher price tag as well. But they’re often much bigger, with rooms that are far more spacious than newer BTOs. Plus, resale flats usually have established infrastructure and amenities nearby.\nGot all your questions answered? We hope this guide makes buying an HDB flat in Singapore a cinch for you!","attrs_markdown":"![](https:\/\/www.facebook.com\/tr?id=580275095458123&ev=PageView&noscript=1)\n\n## Skip links\n- [Skip to content](https:\/\/thehoneycombers.com\/singapore\/buying-a-hdb-flat-in-singapore\/#genesis-content)\n- [Skip to primary sidebar](https:\/\/thehoneycombers.com\/singapore\/buying-a-hdb-flat-in-singapore\/#genesis-sidebar-primary)\n\n[Singapore SG]()\n\n[Honeycombers Singapore](https:\/\/thehoneycombers.com\/singapore\/)\n\nRestaurants, Bars, Fashion, Style and Things to Do in Singapore\n\n- [Eat & Drink](https:\/\/thehoneycombers.com\/singapore\/eat-drink\/)\n  - [Food Guides](https:\/\/thehoneycombers.com\/singapore\/eat-drink\/food-guides\/)\n  - [Local Food](https:\/\/thehoneycombers.com\/singapore\/eat-drink\/local-faves\/)\n  - [Cafes & Brunch](https:\/\/thehoneycombers.com\/singapore\/eat-drink\/best-cafes\/)\n  - [Restaurants](https:\/\/thehoneycombers.com\/singapore\/eat-drink\/hot-new-tables\/)\n  - [Bars & Nightlife](https:\/\/thehoneycombers.com\/singapore\/eat-drink\/drinking-guides\/)\n  - [Hawkers](https:\/\/thehoneycombers.com\/singapore\/eat-drink\/hawkers\/)\n- [Things To Do](https:\/\/thehoneycombers.com\/singapore\/things-to-do\/)\n  - [Top Attractions](https:\/\/thehoneycombers.com\/singapore\/things-to-do\/top-attractions\/)\n  - [Outdoors](https:\/\/thehoneycombers.com\/singapore\/outdoor-activities-singapore\/)\n  - [Arts & Entertainment](https:\/\/thehoneycombers.com\/singapore\/things-to-do\/arts-entertainment\/)\n  - [Neighbourhoods](https:\/\/thehoneycombers.com\/singapore\/things-to-do\/in-the-hood\/)\n    - [East](https:\/\/thehoneycombers.com\/singapore\/east\/)\n    - [West](https:\/\/thehoneycombers.com\/singapore\/west\/)\n    - [Central](https:\/\/thehoneycombers.com\/singapore\/central\/)\n    - [North](https:\/\/thehoneycombers.com\/singapore\/north\/)\n  - [This Weekend](https:\/\/thehoneycombers.com\/singapore\/things-to-do-this-weekend-singapore\/)\n  - [Trending Now](https:\/\/thehoneycombers.com\/singapore\/trending\/)\n  - [Events](https:\/\/thehoneycombers.com\/singapore\/things-to-do\/whats-on\/)\n- [Travel](https:\/\/thehoneycombers.com\/singapore\/travel\/)\n  - [Hotels & Villas](https:\/\/thehoneycombers.com\/singapore\/travel\/hot-hotels-villas\/)\n  - [Staycations](https:\/\/thehoneycombers.com\/singapore\/travel\/staycations\/)\n  - [Short Getaways](https:\/\/thehoneycombers.com\/singapore\/travel\/short-escapes\/)\n  - [Travel Guides](https:\/\/thehoneycombers.com\/singapore\/travel\/travel-guides\/)\n- [Wellness](https:\/\/thehoneycombers.com\/singapore\/beauty-wellness\/)\n  - [Health & Wellbeing](https:\/\/thehoneycombers.com\/singapore\/beauty-wellness\/health-wellbeing\/)\n  - [Spas & Salons](https:\/\/thehoneycombers.com\/singapore\/beauty-wellness\/spas-salons\/)\n  - [Makeup & Skincare](https:\/\/thehoneycombers.com\/singapore\/beauty-wellness\/makeup-skincare\/)\n- [Style](https:\/\/thehoneycombers.com\/singapore\/style\/)\n  - [Shopping](https:\/\/thehoneycombers.com\/singapore\/shopping\/)\n  - [Home & Décor](https:\/\/thehoneycombers.com\/singapore\/style\/home-decor\/)\n  - [Accessories & Jewellery](https:\/\/thehoneycombers.com\/singapore\/accessories-and-jewellery\/)\n  - [Gift Guides](https:\/\/thehoneycombers.com\/singapore\/gift-guides\/)\n- [SG Guide](https:\/\/thehoneycombers.com\/singapore\/trending\/)\n  - [Living in Singapore](https:\/\/thehoneycombers.com\/singapore\/living-in-singapore\/)\n  - [Moving to Singapore](https:\/\/thehoneycombers.com\/singapore\/moving-to-singapore\/)\n  - [Singlish Guide](https:\/\/thehoneycombers.com\/singapore\/singlish-101\/)\n  - [Festival and Holiday](https:\/\/thehoneycombers.com\/singapore\/festival-holidays\/)\n\n[Uncategorized](https:\/\/thehoneycombers.com\/singapore\/uncategorized\/ \"View more posts\")\n\n# Buying an HDB flat in Singapore? Here’s what you need to know about eligibility, housing loans and flat types\nBy [Honeycombers](https:\/\/thehoneycombers.com\/singapore\/author\/hceditorial\/) • 20 Sep 2022\n\n[Add as a preferred source on Google](https:\/\/www.google.com\/preferences\/source?q=https:\/\/thehoneycombers.com)\n\n[Copy link](https:\/\/thehoneycombers.com\/singapore\/buying-a-hdb-flat-in-singapore\/)[Share via Telegram](https:\/\/t.me\/share\/url?url=https%3A%2F%2Fthehoneycombers.com%2Fsingapore%2Fbuying-a-hdb-flat-in-singapore%2F?utm_source=telegram%26utm_medium=social%26utm_campaign=website&text=Buying%20an%20HDB%20flat%20in%20Singapore%3F%20Here%26%238217%3Bs%20what%20you%20need%20to%20know%20about%20eligibility%2C%20housing%20loans%20and%20flat%20types)[Share via WhatsApp](https:\/\/wa.me\/?text=Buying%20an%20HDB%20flat%20in%20Singapore%3F%20Here%26%238217%3Bs%20what%20you%20need%20to%20know%20about%20eligibility%2C%20housing%20loans%20and%20flat%20types%20https%3A%2F%2Fthehoneycombers.com%2Fsingapore%2Fbuying-a-hdb-flat-in-singapore%2F?utm_source=whatsapp%26utm_medium=social%26utm_campaign=website)[Share on Facebook](https:\/\/www.facebook.com\/dialog\/share?app_id=1091694369370428&display=popup&href=https%3A%2F%2Fthehoneycombers.com%2Fsingapore%2Fbuying-a-hdb-flat-in-singapore%2F?utm_source=facebook%26utm_medium=social%26utm_campaign=website)[Share on X (Twitter)](https:\/\/twitter.com\/intent\/tweet?text=Buying%20an%20HDB%20flat%20in%20Singapore%3F%20Here%26%238217%3Bs%20what%20you%20need%20to%20know%20about%20eligibility%2C%20housing%20loans%20and%20flat%20types%20https%3A%2F%2Fthehoneycombers.com%2Fsingapore%2Fbuying-a-hdb-flat-in-singapore%2F?utm_source=twitter%26utm_medium=social%26utm_campaign=website%20via%20@honeycombers&hashtags=honeycombers,HoneycombersSG)[Share on LinkedIn](https:\/\/www.linkedin.com\/sharing\/share-offsite\/?url=https%3A%2F%2Fthehoneycombers.com%2Fsingapore%2Fbuying-a-hdb-flat-in-singapore%2F?utm_source=linkedin&utm_medium=social%26utm_campaign=website)[Share via Email](<mailto:?body=Buying%20an%20HDB%20flat%20in%20Singapore%3F%20Here%26%238217%3Bs%20what%20you%20need%20to%20know%20about%20eligibility%2C%20housing%20loans%20and%20flat%20types https%3A%2F%2Fthehoneycombers.com%2Fsingapore%2Fbuying-a-hdb-flat-in-singapore%2F>)\n\n![Buying an HDB flat in Singapore? Here’s what you need to know about eligibility, housing loans and flat types](data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)\n\nPhotography: Nathan Oh via Unsplash\n\n## Where do you begin on your journey to find a brand new house? Here's the 101 on buying an HDB flat in Singapore.\nEveryone wants a place to call their own. You probably can’t wait to build the most gorgeous [dining room](https:\/\/thehoneycombers.com\/singapore\/dining-table-in-singapore\/) to host [house parties](https:\/\/thehoneycombers.com\/singapore\/throw-house-party-home\/), or that gaming room you’ve been dreaming about since you were a kid. But if you’re a first-time homeowner, the application and buying process can be confusing. To help you out, here’s a quick guide on how to buy a Housing Development Board (HDB) flat in Singapore.\n\n## What to know about buying an HDB flat in Singapore\n### 1\\. Who’s eligible to buy an HDB flat?\n![buying a hdb in singapore](data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)\n\nPhotography: Jiachen Lin via Unsplash\n\nTo buy a flat, you must be a Singaporean citizen or Permanent Resident (PR) who has lived in Singapore for at least three years. If you’re a PR, you’ll only be eligible to buy a Built To Order (BTO) flat if your spouse is a Singaporean citizen. This means it’s not possible for two PRs to buy a new flat. Your only options are a resale HDB flat or private property. Single PRs cannot buy an HDB flat, including resale flats.\n\nIf you’re a foreigner and want to buy an executive condo, you’ll need to wait 10 years after the date of the Temporary Occupation Permit (TOP). This is when all restrictions to selling the flat are lifted.\n\n### 2\\. How do I buy an HDB flat?\n![buying a hdb in singapo](data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)\n\nPhotography: Ivan Yeo via Unsplash\n\nHDB buyers have a variety of grants to help with the purchase of the flat. But they come with terms and conditions, ranging from joint income to the distance from your parents’ home. There are several schemes available as well, including the Fiancé\/Fiancée Scheme and the Orphans Scheme. However, similar to grants, these have a list of conditions. For example, single citizens in Singapore can purchase their own flats under the Singles Scheme, but they have to be aged 35 and above to qualify.\n\nFinancing your flat may be beyond your means – but don’t fret. You have loans for that. HDB provides concessionary loans for HDB flat buyers. And you can seek a bank loan as another option. Like everything else in Singapore, there are restrictions, so make sure you’ve checked your eligibility before applying for an HDB flat.\n\n### 3\\. Types of HDB flats to choose from\n![buying a hdb in singapore](data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)\n\nPhotography: Muhd Asyraaf via Unsplash\n\nSo you’re ready to make a long-term, almost forever (or rather, 99 years) commitment to the Housing Development Board? Well, you have options. The most popular types of residential units are Build To Order (BTO) flats, Design, Build and Sell Scheme flats (DBSS), executive condominiums (EC), Sale Of Balance flats (SBF) and resale flats. We break it all down for you…\n\n#### Build To Order (BTO)\nFor young couples and people looking for a starter home, applying for a BTO flat is the way to go. It’s almost the most affordable of the lot. The BTO scheme is a responsive system that offers flexibility in location and timing for those looking to buy a new HDB flat. Eligible buyers can choose their preferred location from specific sites launched four times a year. We recommend subscribing to the [HDB eAlert service](https:\/\/services2.hdb.gov.sg\/webapp\/BF08CESS\/MainController?action=new) to stay up to date with the latest launches, announcements and policies.\n\n[![buying a car in singapore \\| Hannes Egler via Unsplash](data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)](https:\/\/thehoneycombers.com\/singapore\/guide-to-buying-a-car-in-singapore\/)\n\n[Moving to Singapore](https:\/\/thehoneycombers.com\/singapore\/moving-to-singapore\/ \"View more posts\")\n\n[Buying a car? Here's how much it costs](https:\/\/thehoneycombers.com\/singapore\/guide-to-buying-a-car-in-singapore\/ \"Read related post\")\n#### Design, Build and Sell Scheme (DBSS)\nFor something in between a BTO and an executive condominium, try an HDB flat under the DBSS scheme. First introduced in 2005, these flats are developed by private developers and agencies. They’re usually spiffier than a typical HDB flat – which means they cost more because they come fully furnished with cabinets, bathrooms and air-conditioning.\n\n#### Executive Condominiums (EC)\nGot the moolah to spare? Consider spending your dollars on an executive condo. The EC combines the best of public and private housing. They usually resemble private condominiums and are enclosed within a gated compound with security. You’ll get access to amenities like a swimming pool, clubhouse, playground and the works. Though built and sold by private developers, they come at a lower price than private homes because the land is subsidised by the government.\n\n#### Sale Of Balance flats (SBF)\nKnow any couples who got a BTO flat and gave it up at the last minute? Well, under this scheme, forfeited flats are pooled together and resold to new couples or families. This is a great option if you don’t want to wait a couple of years for a new flat to be built. There are typically two launches a year: in May and November. But take note that if you apply for an SBF flat, you won’t be able to apply for a BTO at the same time. So weigh your options carefully.\n\n#### Resale flats\nPrefer a roomier flat, or want to stay in a mature estate? Get a resale. This is a great deal, especially if a brand new flat isn’t your priority. Resale flats are older and most have less than 99 years left on their lease. They’ll probably come with a higher price tag as well. But they’re often much bigger, with rooms that are far more spacious than newer BTOs. Plus, resale flats usually have established infrastructure and amenities nearby.\n\nGot all your questions answered? We hope this guide makes buying an HDB flat in Singapore a cinch for you\\!\n### [Need more Honeycombers in your life? Head this way…](https:\/\/thehoneycombers.com\/singapore\/sign-up\/)\n\n![Honeycombers logo](data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)\n\n#### Written by Honeycombers\nHoneycombers is a digital lifestyle platform that is the go-to source for inspiration across dining and drinks, what's on, style, wellness and travel in Singapore, Bali and Hong Kong.\n\n[More from Honeycombers](https:\/\/thehoneycombers.com\/singapore\/author\/hceditorial\/)\n\n### Related Articles\n[Home & Décor](https:\/\/thehoneycombers.com\/singapore\/style\/home-decor\/)\n\n#### [Expert styling tips for home renovation](https:\/\/thehoneycombers.com\/singapore\/home-renovation-singapore-interior-design-tips\/)\n\n[Moving to Singapore](https:\/\/thehoneycombers.com\/singapore\/moving-to-singapore\/)\n\n#### [Renting vs buying a home: Which is better?](https:\/\/thehoneycombers.com\/singapore\/rent-or-buy-house-property-singapore\/)\n\n[Uncategorized](https:\/\/thehoneycombers.com\/singapore\/uncategorized\/)\n\n#### [A first-timer's guide to buying an HDB flat](https:\/\/thehoneycombers.com\/singapore\/buying-a-hdb-flat-in-singapore\/)\n\n### Watch this\n### Editor's Picks\n[![Bookstores to use your SG Culture Pass \\| Honeycombers](data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)](https:\/\/thehoneycombers.com\/singapore\/sg-culture-pass-bookstores-singapore\/)\n\n#### [Bookstores to use your SG Culture Pass](https:\/\/thehoneycombers.com\/singapore\/sg-culture-pass-bookstores-singapore\/)\nBook lovers, here’s your sign to whip out your SG Culture Pass credits and shop to your heart’s content at bookstores\\!\n\n[![Girls’ Night Out at The Champagnery \\| Honeycombers](data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)](https:\/\/thehoneycombers.com\/singapore\/girls-night-out-the-champagnery-singapore\/)\n\n#### [Girls’ Night Out at The Champagnery](https:\/\/thehoneycombers.com\/singapore\/girls-night-out-the-champagnery-singapore\/)\nEnjoy free-flow bubbles as you shop, get divinations, and stand a chance to win the Best Dressed prize\\!\n\n[![Dead Sea Mud Mineral Scalp Detox review \\| Honeycombers](data:image\/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)](https:\/\/thehoneycombers.com\/singapore\/bee-choo-origin-scalp-treatment-review-singapore\/)\n\n#### [Dead Sea Mud Mineral Scalp Detox review](https:\/\/thehoneycombers.com\/singapore\/bee-choo-origin-scalp-treatment-review-singapore\/)\nWe tried the latest mineral-rich scalp treatment from Bee Choo Origin to detoxify and rejuvenate our scalp.\n\n### Upcoming Events\n24 Mar � 10 May\n\n[Les Misérables The Arena Spectacular](https:\/\/thehoneycombers.com\/singapore\/event\/les-miserables-the-arena-spectacular\/)\n\n09 Apr � 24 May\n\n[European Film Festival 2026](https:\/\/thehoneycombers.com\/singapore\/event\/european-film-festival-euff-2026\/)\n\n10 Apr � 30 May\n\n[8th Objectifs Documentary Award Exhibitions](https:\/\/thehoneycombers.com\/singapore\/event\/8th-objectifs-documentary-award-exhibitions\/)\n\n11 Apr\n\n[Singapore's first cake picnic and day rave\\!](https:\/\/thehoneycombers.com\/singapore\/event\/rave4cake-singapore-cake-picnic-rave\/)\n\n12 Apr\n\n[‘Serendipity by the Waterfront’ Wedding Showcase…](https:\/\/thehoneycombers.com\/singapore\/event\/serendipity-by-the-waterfront-wedding-showcase-2026\/)\n\n©2026 [Honeycombers](https:\/\/thehoneycombers.com\/singapore). All rights reserved.\n\n- [Home](https:\/\/thehoneycombers.com\/singapore\/)\n- [Our Story](https:\/\/thehoneycombers.com\/singapore\/about-us\/)\n- [Advertising](https:\/\/thehoneycombers.com\/singapore\/advertising\/)\n- [Careers](https:\/\/thehoneycombers.com\/singapore\/careers\/)\n- [Contact](https:\/\/thehoneycombers.com\/singapore\/contact\/)\n- [Legal](https:\/\/thehoneycombers.com\/singapore\/legal\/)\n\n### Choose a Honeycombers edition\n- [Singapore](https:\/\/thehoneycombers.com\/singapore\/)\n- [Bali](https:\/\/thehoneycombers.com\/bali\/)\n- [Hong Kong](https:\/\/thehoneycombers.com\/hong-kong\/)\n- [HoneyKids Singapore](https:\/\/honeykidsasia.com\/)\n- [HoneyKids Bangkok](https:\/\/honeykidsasia.com\/thailand\/)\n\n![sabor chijmes singapore food review](https:\/\/static.thehoneycombers.com\/wp-content\/uploads\/sites\/2\/2026\/04\/sabor-chijmes-singapore-food-review.png)\n\n### **Win: A \\$200 SABOR DINING voucher**\nWe’re giving away a \\$200 dining experience at Sabor, the new Spanish restaurant in Chijmes, for one lucky reader\\!\n\n[Join Now](https:\/\/thehoneycombers.com\/singapore\/sabor-chijmes-restaurant-review-singapore\/)\n\n##","attrs_readable_markdown":"![Buying an HDB flat in Singapore? Here’s what you need to know about eligibility, housing loans and flat types](https:\/\/static.thehoneycombers.com\/wp-content\/uploads\/sites\/2\/2018\/02\/buying-a-hdb-in-singapore-Nathan-Oh-via-Unsplash-900x643.jpg)\n\nPhotography: Nathan Oh via Unsplash\n\n## Where do you begin on your journey to find a brand new house? Here's the 101 on buying an HDB flat in Singapore.\nEveryone wants a place to call their own. You probably can’t wait to build the most gorgeous [dining room](https:\/\/thehoneycombers.com\/singapore\/dining-table-in-singapore\/) to host [house parties](https:\/\/thehoneycombers.com\/singapore\/throw-house-party-home\/), or that gaming room you’ve been dreaming about since you were a kid. But if you’re a first-time homeowner, the application and buying process can be confusing. To help you out, here’s a quick guide on how to buy a Housing Development Board (HDB) flat in Singapore.\n\n### 1\\. Who’s eligible to buy an HDB flat?\n![buying a hdb in singapore](https:\/\/static.thehoneycombers.com\/wp-content\/uploads\/sites\/2\/2018\/02\/buying-a-hdb-in-singapore-Jiache-Lin-via-Unsplash-900x643.jpg)\n\nPhotography: Jiachen Lin via Unsplash\n\nTo buy a flat, you must be a Singaporean citizen or Permanent Resident (PR) who has lived in Singapore for at least three years. If you’re a PR, you’ll only be eligible to buy a Built To Order (BTO) flat if your spouse is a Singaporean citizen. This means it’s not possible for two PRs to buy a new flat. Your only options are a resale HDB flat or private property. Single PRs cannot buy an HDB flat, including resale flats.\n\nIf you’re a foreigner and want to buy an executive condo, you’ll need to wait 10 years after the date of the Temporary Occupation Permit (TOP). This is when all restrictions to selling the flat are lifted.\n\n### 2\\. How do I buy an HDB flat?\n![buying a hdb in singapo](https:\/\/static.thehoneycombers.com\/wp-content\/uploads\/sites\/2\/2018\/02\/buying-a-hdb-in-singapore-Ivan-Yeo-via-Unsplash-900x643.jpg)\n\nPhotography: Ivan Yeo via Unsplash\n\nHDB buyers have a variety of grants to help with the purchase of the flat. But they come with terms and conditions, ranging from joint income to the distance from your parents’ home. There are several schemes available as well, including the Fiancé\/Fiancée Scheme and the Orphans Scheme. However, similar to grants, these have a list of conditions. For example, single citizens in Singapore can purchase their own flats under the Singles Scheme, but they have to be aged 35 and above to qualify.\n\nFinancing your flat may be beyond your means – but don’t fret. You have loans for that. HDB provides concessionary loans for HDB flat buyers. And you can seek a bank loan as another option. Like everything else in Singapore, there are restrictions, so make sure you’ve checked your eligibility before applying for an HDB flat.\n\n### 3\\. Types of HDB flats to choose from\n![buying a hdb in singapore](https:\/\/static.thehoneycombers.com\/wp-content\/uploads\/sites\/2\/2018\/02\/buying-a-hdb-in-singapore-Muhd-Asyraaf-via-Unsplash-900x643.jpg)\n\nPhotography: Muhd Asyraaf via Unsplash\n\nSo you’re ready to make a long-term, almost forever (or rather, 99 years) commitment to the Housing Development Board? Well, you have options. The most popular types of residential units are Build To Order (BTO) flats, Design, Build and Sell Scheme flats (DBSS), executive condominiums (EC), Sale Of Balance flats (SBF) and resale flats. We break it all down for you…\n\n#### Build To Order (BTO)\nFor young couples and people looking for a starter home, applying for a BTO flat is the way to go. It’s almost the most affordable of the lot. The BTO scheme is a responsive system that offers flexibility in location and timing for those looking to buy a new HDB flat. Eligible buyers can choose their preferred location from specific sites launched four times a year. We recommend subscribing to the [HDB eAlert service](https:\/\/services2.hdb.gov.sg\/webapp\/BF08CESS\/MainController?action=new) to stay up to date with the latest launches, announcements and policies.\n\n[![buying a car in singapore \\| Hannes Egler via Unsplash](https:\/\/static.thehoneycombers.com\/wp-content\/uploads\/sites\/2\/2017\/10\/buying-a-car-in-singapore-Hannes-Egler-via-Unsplash.jpg)](https:\/\/thehoneycombers.com\/singapore\/guide-to-buying-a-car-in-singapore\/)\n\n#### Design, Build and Sell Scheme (DBSS)\nFor something in between a BTO and an executive condominium, try an HDB flat under the DBSS scheme. First introduced in 2005, these flats are developed by private developers and agencies. They’re usually spiffier than a typical HDB flat – which means they cost more because they come fully furnished with cabinets, bathrooms and air-conditioning.\n\n#### Executive Condominiums (EC)\nGot the moolah to spare? Consider spending your dollars on an executive condo. The EC combines the best of public and private housing. They usually resemble private condominiums and are enclosed within a gated compound with security. You’ll get access to amenities like a swimming pool, clubhouse, playground and the works. Though built and sold by private developers, they come at a lower price than private homes because the land is subsidised by the government.\n\n#### Sale Of Balance flats (SBF)\nKnow any couples who got a BTO flat and gave it up at the last minute? Well, under this scheme, forfeited flats are pooled together and resold to new couples or families. This is a great option if you don’t want to wait a couple of years for a new flat to be built. There are typically two launches a year: in May and November. But take note that if you apply for an SBF flat, you won’t be able to apply for a BTO at the same time. So weigh your options carefully.\n\n#### Resale flats\nPrefer a roomier flat, or want to stay in a mature estate? Get a resale. This is a great deal, especially if a brand new flat isn’t your priority. Resale flats are older and most have less than 99 years left on their lease. They’ll probably come with a higher price tag as well. But they’re often much bigger, with rooms that are far more spacious than newer BTOs. Plus, resale flats usually have established infrastructure and amenities nearby.\n\nGot all your questions answered? We hope this guide makes buying an HDB flat in Singapore a cinch for you\\!","meta_canonical":null}

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Boilerpipe Text	Photography: Nathan Oh via Unsplash Where do you begin on your journey to find a brand new house? Here's the 101 on buying an HDB flat in Singapore. Everyone wants a place to call their own. You probably can’t wait to build the most gorgeous dining room to host house parties , or that gaming room you’ve been dreaming about since you were a kid. But if you’re a first-time homeowner, the application and buying process can be confusing. To help you out, here’s a quick guide on how to buy a Housing Development Board (HDB) flat in Singapore. 1. Who’s eligible to buy an HDB flat? Photography: Jiachen Lin via Unsplash To buy a flat, you must be a Singaporean citizen or Permanent Resident (PR) who has lived in Singapore for at least three years. If you’re a PR, you’ll only be eligible to buy a Built To Order (BTO) flat if your spouse is a Singaporean citizen. This means it’s not possible for two PRs to buy a new flat. Your only options are a resale HDB flat or private property. Single PRs cannot buy an HDB flat, including resale flats. If you’re a foreigner and want to buy an executive condo, you’ll need to wait 10 years after the date of the Temporary Occupation Permit (TOP). This is when all restrictions to selling the flat are lifted. 2. How do I buy an HDB flat? Photography: Ivan Yeo via Unsplash HDB buyers have a variety of grants to help with the purchase of the flat. But they come with terms and conditions, ranging from joint income to the distance from your parents’ home. There are several schemes available as well, including the Fiancé/Fiancée Scheme and the Orphans Scheme. However, similar to grants, these have a list of conditions. For example, single citizens in Singapore can purchase their own flats under the Singles Scheme, but they have to be aged 35 and above to qualify. Financing your flat may be beyond your means – but don’t fret. You have loans for that. HDB provides concessionary loans for HDB flat buyers. And you can seek a bank loan as another option. Like everything else in Singapore, there are restrictions, so make sure you’ve checked your eligibility before applying for an HDB flat. 3. Types of HDB flats to choose from Photography: Muhd Asyraaf via Unsplash So you’re ready to make a long-term, almost forever (or rather, 99 years) commitment to the Housing Development Board? Well, you have options. The most popular types of residential units are Build To Order (BTO) flats, Design, Build and Sell Scheme flats (DBSS), executive condominiums (EC), Sale Of Balance flats (SBF) and resale flats. We break it all down for you… Build To Order (BTO) For young couples and people looking for a starter home, applying for a BTO flat is the way to go. It’s almost the most affordable of the lot. The BTO scheme is a responsive system that offers flexibility in location and timing for those looking to buy a new HDB flat. Eligible buyers can choose their preferred location from specific sites launched four times a year. We recommend subscribing to the HDB eAlert service to stay up to date with the latest launches, announcements and policies. Design, Build and Sell Scheme (DBSS) For something in between a BTO and an executive condominium, try an HDB flat under the DBSS scheme. First introduced in 2005, these flats are developed by private developers and agencies. They’re usually spiffier than a typical HDB flat – which means they cost more because they come fully furnished with cabinets, bathrooms and air-conditioning. Executive Condominiums (EC) Got the moolah to spare? Consider spending your dollars on an executive condo. The EC combines the best of public and private housing. They usually resemble private condominiums and are enclosed within a gated compound with security. You’ll get access to amenities like a swimming pool, clubhouse, playground and the works. Though built and sold by private developers, they come at a lower price than private homes because the land is subsidised by the government. Sale Of Balance flats (SBF) Know any couples who got a BTO flat and gave it up at the last minute? Well, under this scheme, forfeited flats are pooled together and resold to new couples or families. This is a great option if you don’t want to wait a couple of years for a new flat to be built. There are typically two launches a year: in May and November. But take note that if you apply for an SBF flat, you won’t be able to apply for a BTO at the same time. So weigh your options carefully. Resale flats Prefer a roomier flat, or want to stay in a mature estate? Get a resale. This is a great deal, especially if a brand new flat isn’t your priority. Resale flats are older and most have less than 99 years left on their lease. They’ll probably come with a higher price tag as well. But they’re often much bigger, with rooms that are far more spacious than newer BTOs. Plus, resale flats usually have established infrastructure and amenities nearby. Got all your questions answered? We hope this guide makes buying an HDB flat in Singapore a cinch for you!
Markdown	![](https://www.facebook.com/tr?id=580275095458123&ev=PageView&noscript=1) ## Skip links - [Skip to content](https://thehoneycombers.com/singapore/buying-a-hdb-flat-in-singapore/#genesis-content) - [Skip to primary sidebar](https://thehoneycombers.com/singapore/buying-a-hdb-flat-in-singapore/#genesis-sidebar-primary) [Singapore SG]() [Honeycombers Singapore](https://thehoneycombers.com/singapore/) Restaurants, Bars, Fashion, Style and Things to Do in Singapore - [Eat & Drink](https://thehoneycombers.com/singapore/eat-drink/) - [Food Guides](https://thehoneycombers.com/singapore/eat-drink/food-guides/) - [Local Food](https://thehoneycombers.com/singapore/eat-drink/local-faves/) - [Cafes & Brunch](https://thehoneycombers.com/singapore/eat-drink/best-cafes/) - [Restaurants](https://thehoneycombers.com/singapore/eat-drink/hot-new-tables/) - [Bars & Nightlife](https://thehoneycombers.com/singapore/eat-drink/drinking-guides/) - [Hawkers](https://thehoneycombers.com/singapore/eat-drink/hawkers/) - [Things To Do](https://thehoneycombers.com/singapore/things-to-do/) - [Top Attractions](https://thehoneycombers.com/singapore/things-to-do/top-attractions/) - [Outdoors](https://thehoneycombers.com/singapore/outdoor-activities-singapore/) - [Arts & Entertainment](https://thehoneycombers.com/singapore/things-to-do/arts-entertainment/) - [Neighbourhoods](https://thehoneycombers.com/singapore/things-to-do/in-the-hood/) - [East](https://thehoneycombers.com/singapore/east/) - [West](https://thehoneycombers.com/singapore/west/) - [Central](https://thehoneycombers.com/singapore/central/) - [North](https://thehoneycombers.com/singapore/north/) - [This Weekend](https://thehoneycombers.com/singapore/things-to-do-this-weekend-singapore/) - [Trending Now](https://thehoneycombers.com/singapore/trending/) - [Events](https://thehoneycombers.com/singapore/things-to-do/whats-on/) - [Travel](https://thehoneycombers.com/singapore/travel/) - [Hotels & Villas](https://thehoneycombers.com/singapore/travel/hot-hotels-villas/) - [Staycations](https://thehoneycombers.com/singapore/travel/staycations/) - [Short Getaways](https://thehoneycombers.com/singapore/travel/short-escapes/) - [Travel Guides](https://thehoneycombers.com/singapore/travel/travel-guides/) - [Wellness](https://thehoneycombers.com/singapore/beauty-wellness/) - [Health & Wellbeing](https://thehoneycombers.com/singapore/beauty-wellness/health-wellbeing/) - [Spas & Salons](https://thehoneycombers.com/singapore/beauty-wellness/spas-salons/) - [Makeup & Skincare](https://thehoneycombers.com/singapore/beauty-wellness/makeup-skincare/) - [Style](https://thehoneycombers.com/singapore/style/) - [Shopping](https://thehoneycombers.com/singapore/shopping/) - [Home & Décor](https://thehoneycombers.com/singapore/style/home-decor/) - [Accessories & Jewellery](https://thehoneycombers.com/singapore/accessories-and-jewellery/) - [Gift Guides](https://thehoneycombers.com/singapore/gift-guides/) - [SG Guide](https://thehoneycombers.com/singapore/trending/) - [Living in Singapore](https://thehoneycombers.com/singapore/living-in-singapore/) - [Moving to Singapore](https://thehoneycombers.com/singapore/moving-to-singapore/) - [Singlish Guide](https://thehoneycombers.com/singapore/singlish-101/) - [Festival and Holiday](https://thehoneycombers.com/singapore/festival-holidays/) [Uncategorized](https://thehoneycombers.com/singapore/uncategorized/ "View more posts") # Buying an HDB flat in Singapore? Here’s what you need to know about eligibility, housing loans and flat types By [Honeycombers](https://thehoneycombers.com/singapore/author/hceditorial/) • 20 Sep 2022 [Add as a preferred source on Google](https://www.google.com/preferences/source?q=https://thehoneycombers.com) [Copy link](https://thehoneycombers.com/singapore/buying-a-hdb-flat-in-singapore/)[Share via Telegram](https://t.me/share/url?url=https%3A%2F%2Fthehoneycombers.com%2Fsingapore%2Fbuying-a-hdb-flat-in-singapore%2F?utm_source=telegram%26utm_medium=social%26utm_campaign=website&text=Buying%20an%20HDB%20flat%20in%20Singapore%3F%20Here%26%238217%3Bs%20what%20you%20need%20to%20know%20about%20eligibility%2C%20housing%20loans%20and%20flat%20types)[Share via WhatsApp](https://wa.me/?text=Buying%20an%20HDB%20flat%20in%20Singapore%3F%20Here%26%238217%3Bs%20what%20you%20need%20to%20know%20about%20eligibility%2C%20housing%20loans%20and%20flat%20types%20https%3A%2F%2Fthehoneycombers.com%2Fsingapore%2Fbuying-a-hdb-flat-in-singapore%2F?utm_source=whatsapp%26utm_medium=social%26utm_campaign=website)[Share on Facebook](https://www.facebook.com/dialog/share?app_id=1091694369370428&display=popup&href=https%3A%2F%2Fthehoneycombers.com%2Fsingapore%2Fbuying-a-hdb-flat-in-singapore%2F?utm_source=facebook%26utm_medium=social%26utm_campaign=website)[Share on X (Twitter)](https://twitter.com/intent/tweet?text=Buying%20an%20HDB%20flat%20in%20Singapore%3F%20Here%26%238217%3Bs%20what%20you%20need%20to%20know%20about%20eligibility%2C%20housing%20loans%20and%20flat%20types%20https%3A%2F%2Fthehoneycombers.com%2Fsingapore%2Fbuying-a-hdb-flat-in-singapore%2F?utm_source=twitter%26utm_medium=social%26utm_campaign=website%20via%20@honeycombers&hashtags=honeycombers,HoneycombersSG)[Share on LinkedIn](https://www.linkedin.com/sharing/share-offsite/?url=https%3A%2F%2Fthehoneycombers.com%2Fsingapore%2Fbuying-a-hdb-flat-in-singapore%2F?utm_source=linkedin&utm_medium=social%26utm_campaign=website)[Share via Email](<mailto:?body=Buying%20an%20HDB%20flat%20in%20Singapore%3F%20Here%26%238217%3Bs%20what%20you%20need%20to%20know%20about%20eligibility%2C%20housing%20loans%20and%20flat%20types https%3A%2F%2Fthehoneycombers.com%2Fsingapore%2Fbuying-a-hdb-flat-in-singapore%2F>) ![Buying an HDB flat in Singapore? Here’s what you need to know about eligibility, housing loans and flat types](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==) Photography: Nathan Oh via Unsplash ## Where do you begin on your journey to find a brand new house? Here's the 101 on buying an HDB flat in Singapore. Everyone wants a place to call their own. You probably can’t wait to build the most gorgeous [dining room](https://thehoneycombers.com/singapore/dining-table-in-singapore/) to host [house parties](https://thehoneycombers.com/singapore/throw-house-party-home/), or that gaming room you’ve been dreaming about since you were a kid. But if you’re a first-time homeowner, the application and buying process can be confusing. To help you out, here’s a quick guide on how to buy a Housing Development Board (HDB) flat in Singapore. ## What to know about buying an HDB flat in Singapore ### 1\. Who’s eligible to buy an HDB flat? ![buying a hdb in singapore](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==) Photography: Jiachen Lin via Unsplash To buy a flat, you must be a Singaporean citizen or Permanent Resident (PR) who has lived in Singapore for at least three years. If you’re a PR, you’ll only be eligible to buy a Built To Order (BTO) flat if your spouse is a Singaporean citizen. This means it’s not possible for two PRs to buy a new flat. Your only options are a resale HDB flat or private property. Single PRs cannot buy an HDB flat, including resale flats. If you’re a foreigner and want to buy an executive condo, you’ll need to wait 10 years after the date of the Temporary Occupation Permit (TOP). This is when all restrictions to selling the flat are lifted. ### 2\. How do I buy an HDB flat? ![buying a hdb in singapo](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==) Photography: Ivan Yeo via Unsplash HDB buyers have a variety of grants to help with the purchase of the flat. But they come with terms and conditions, ranging from joint income to the distance from your parents’ home. There are several schemes available as well, including the Fiancé/Fiancée Scheme and the Orphans Scheme. However, similar to grants, these have a list of conditions. For example, single citizens in Singapore can purchase their own flats under the Singles Scheme, but they have to be aged 35 and above to qualify. Financing your flat may be beyond your means – but don’t fret. You have loans for that. HDB provides concessionary loans for HDB flat buyers. And you can seek a bank loan as another option. Like everything else in Singapore, there are restrictions, so make sure you’ve checked your eligibility before applying for an HDB flat. ### 3\. Types of HDB flats to choose from ![buying a hdb in singapore](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==) Photography: Muhd Asyraaf via Unsplash So you’re ready to make a long-term, almost forever (or rather, 99 years) commitment to the Housing Development Board? Well, you have options. The most popular types of residential units are Build To Order (BTO) flats, Design, Build and Sell Scheme flats (DBSS), executive condominiums (EC), Sale Of Balance flats (SBF) and resale flats. We break it all down for you… #### Build To Order (BTO) For young couples and people looking for a starter home, applying for a BTO flat is the way to go. It’s almost the most affordable of the lot. The BTO scheme is a responsive system that offers flexibility in location and timing for those looking to buy a new HDB flat. Eligible buyers can choose their preferred location from specific sites launched four times a year. We recommend subscribing to the [HDB eAlert service](https://services2.hdb.gov.sg/webapp/BF08CESS/MainController?action=new) to stay up to date with the latest launches, announcements and policies. [![buying a car in singapore \\| Hannes Egler via Unsplash](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)](https://thehoneycombers.com/singapore/guide-to-buying-a-car-in-singapore/) [Moving to Singapore](https://thehoneycombers.com/singapore/moving-to-singapore/ "View more posts") [Buying a car? Here's how much it costs](https://thehoneycombers.com/singapore/guide-to-buying-a-car-in-singapore/ "Read related post") #### Design, Build and Sell Scheme (DBSS) For something in between a BTO and an executive condominium, try an HDB flat under the DBSS scheme. First introduced in 2005, these flats are developed by private developers and agencies. They’re usually spiffier than a typical HDB flat – which means they cost more because they come fully furnished with cabinets, bathrooms and air-conditioning. #### Executive Condominiums (EC) Got the moolah to spare? Consider spending your dollars on an executive condo. The EC combines the best of public and private housing. They usually resemble private condominiums and are enclosed within a gated compound with security. You’ll get access to amenities like a swimming pool, clubhouse, playground and the works. Though built and sold by private developers, they come at a lower price than private homes because the land is subsidised by the government. #### Sale Of Balance flats (SBF) Know any couples who got a BTO flat and gave it up at the last minute? Well, under this scheme, forfeited flats are pooled together and resold to new couples or families. This is a great option if you don’t want to wait a couple of years for a new flat to be built. There are typically two launches a year: in May and November. But take note that if you apply for an SBF flat, you won’t be able to apply for a BTO at the same time. So weigh your options carefully. #### Resale flats Prefer a roomier flat, or want to stay in a mature estate? Get a resale. This is a great deal, especially if a brand new flat isn’t your priority. Resale flats are older and most have less than 99 years left on their lease. They’ll probably come with a higher price tag as well. But they’re often much bigger, with rooms that are far more spacious than newer BTOs. Plus, resale flats usually have established infrastructure and amenities nearby. Got all your questions answered? We hope this guide makes buying an HDB flat in Singapore a cinch for you\! ### [Need more Honeycombers in your life? 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[More from Honeycombers](https://thehoneycombers.com/singapore/author/hceditorial/) ### Related Articles [Home & Décor](https://thehoneycombers.com/singapore/style/home-decor/) #### [Expert styling tips for home renovation](https://thehoneycombers.com/singapore/home-renovation-singapore-interior-design-tips/) [Moving to Singapore](https://thehoneycombers.com/singapore/moving-to-singapore/) #### [Renting vs buying a home: Which is better?](https://thehoneycombers.com/singapore/rent-or-buy-house-property-singapore/) [Uncategorized](https://thehoneycombers.com/singapore/uncategorized/) #### [A first-timer's guide to buying an HDB flat](https://thehoneycombers.com/singapore/buying-a-hdb-flat-in-singapore/) ### Watch this ### Editor's Picks [![Bookstores to use your SG Culture Pass \\| Honeycombers](data:image/gif;base64,R0lGODlhAQABAAAAACH5BAEKAAEALAAAAAABAAEAAAICTAEAOw==)](https://thehoneycombers.com/singapore/sg-culture-pass-bookstores-singapore/) #### [Bookstores to use your SG Culture Pass](https://thehoneycombers.com/singapore/sg-culture-pass-bookstores-singapore/) Book lovers, here’s your sign to whip out your SG Culture Pass credits and shop to your heart’s content at bookstores\! 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Readable Markdown	![Buying an HDB flat in Singapore? Here’s what you need to know about eligibility, housing loans and flat types](https://static.thehoneycombers.com/wp-content/uploads/sites/2/2018/02/buying-a-hdb-in-singapore-Nathan-Oh-via-Unsplash-900x643.jpg) Photography: Nathan Oh via Unsplash ## Where do you begin on your journey to find a brand new house? Here's the 101 on buying an HDB flat in Singapore. Everyone wants a place to call their own. You probably can’t wait to build the most gorgeous [dining room](https://thehoneycombers.com/singapore/dining-table-in-singapore/) to host [house parties](https://thehoneycombers.com/singapore/throw-house-party-home/), or that gaming room you’ve been dreaming about since you were a kid. But if you’re a first-time homeowner, the application and buying process can be confusing. To help you out, here’s a quick guide on how to buy a Housing Development Board (HDB) flat in Singapore. ### 1\. Who’s eligible to buy an HDB flat? ![buying a hdb in singapore](https://static.thehoneycombers.com/wp-content/uploads/sites/2/2018/02/buying-a-hdb-in-singapore-Jiache-Lin-via-Unsplash-900x643.jpg) Photography: Jiachen Lin via Unsplash To buy a flat, you must be a Singaporean citizen or Permanent Resident (PR) who has lived in Singapore for at least three years. If you’re a PR, you’ll only be eligible to buy a Built To Order (BTO) flat if your spouse is a Singaporean citizen. This means it’s not possible for two PRs to buy a new flat. Your only options are a resale HDB flat or private property. Single PRs cannot buy an HDB flat, including resale flats. If you’re a foreigner and want to buy an executive condo, you’ll need to wait 10 years after the date of the Temporary Occupation Permit (TOP). This is when all restrictions to selling the flat are lifted. ### 2\. How do I buy an HDB flat? ![buying a hdb in singapo](https://static.thehoneycombers.com/wp-content/uploads/sites/2/2018/02/buying-a-hdb-in-singapore-Ivan-Yeo-via-Unsplash-900x643.jpg) Photography: Ivan Yeo via Unsplash HDB buyers have a variety of grants to help with the purchase of the flat. But they come with terms and conditions, ranging from joint income to the distance from your parents’ home. There are several schemes available as well, including the Fiancé/Fiancée Scheme and the Orphans Scheme. However, similar to grants, these have a list of conditions. For example, single citizens in Singapore can purchase their own flats under the Singles Scheme, but they have to be aged 35 and above to qualify. Financing your flat may be beyond your means – but don’t fret. You have loans for that. HDB provides concessionary loans for HDB flat buyers. And you can seek a bank loan as another option. Like everything else in Singapore, there are restrictions, so make sure you’ve checked your eligibility before applying for an HDB flat. ### 3\. Types of HDB flats to choose from ![buying a hdb in singapore](https://static.thehoneycombers.com/wp-content/uploads/sites/2/2018/02/buying-a-hdb-in-singapore-Muhd-Asyraaf-via-Unsplash-900x643.jpg) Photography: Muhd Asyraaf via Unsplash So you’re ready to make a long-term, almost forever (or rather, 99 years) commitment to the Housing Development Board? Well, you have options. The most popular types of residential units are Build To Order (BTO) flats, Design, Build and Sell Scheme flats (DBSS), executive condominiums (EC), Sale Of Balance flats (SBF) and resale flats. We break it all down for you… #### Build To Order (BTO) For young couples and people looking for a starter home, applying for a BTO flat is the way to go. It’s almost the most affordable of the lot. The BTO scheme is a responsive system that offers flexibility in location and timing for those looking to buy a new HDB flat. Eligible buyers can choose their preferred location from specific sites launched four times a year. We recommend subscribing to the [HDB eAlert service](https://services2.hdb.gov.sg/webapp/BF08CESS/MainController?action=new) to stay up to date with the latest launches, announcements and policies. [![buying a car in singapore \\| Hannes Egler via Unsplash](https://static.thehoneycombers.com/wp-content/uploads/sites/2/2017/10/buying-a-car-in-singapore-Hannes-Egler-via-Unsplash.jpg)](https://thehoneycombers.com/singapore/guide-to-buying-a-car-in-singapore/) #### Design, Build and Sell Scheme (DBSS) For something in between a BTO and an executive condominium, try an HDB flat under the DBSS scheme. First introduced in 2005, these flats are developed by private developers and agencies. They’re usually spiffier than a typical HDB flat – which means they cost more because they come fully furnished with cabinets, bathrooms and air-conditioning. #### Executive Condominiums (EC) Got the moolah to spare? Consider spending your dollars on an executive condo. The EC combines the best of public and private housing. They usually resemble private condominiums and are enclosed within a gated compound with security. You’ll get access to amenities like a swimming pool, clubhouse, playground and the works. Though built and sold by private developers, they come at a lower price than private homes because the land is subsidised by the government. #### Sale Of Balance flats (SBF) Know any couples who got a BTO flat and gave it up at the last minute? Well, under this scheme, forfeited flats are pooled together and resold to new couples or families. This is a great option if you don’t want to wait a couple of years for a new flat to be built. There are typically two launches a year: in May and November. But take note that if you apply for an SBF flat, you won’t be able to apply for a BTO at the same time. So weigh your options carefully. #### Resale flats Prefer a roomier flat, or want to stay in a mature estate? Get a resale. This is a great deal, especially if a brand new flat isn’t your priority. Resale flats are older and most have less than 99 years left on their lease. They’ll probably come with a higher price tag as well. But they’re often much bigger, with rooms that are far more spacious than newer BTOs. Plus, resale flats usually have established infrastructure and amenities nearby. Got all your questions answered? We hope this guide makes buying an HDB flat in Singapore a cinch for you\!
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