🕷️ Crawler Inspector

URL Lookup

Direct Parameter Lookup

Raw Queries and Responses

1. Shard Calculation

Query:

Response:

Calculated Shard: 28 (from laksa077)

2. Crawled Status Check

Query:

curl -X POST \
  'http://laksa028.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://www.moneysmart.sg/home-loan/housing-guide-for-singles-ms\')), getAhrefsUnparsedNoserviceFromURL(\'https://www.moneysmart.sg/home-loan/housing-guide-for-singles-ms\'))) FORMAT JSONEachRow'

Response:

{"found_url":"https:\/\/www.moneysmart.sg\/home-loan\/housing-guide-for-singles-ms","crawl_time":1776140749,"first_indexed_time":1684140321,"http_code":200,"src_unparsed":"sg,moneysmart!www,\/home-loan\/housing-guide-for-singles-ms s443","src_root_hash":"13205646038179025628","history_drop_reason":null,"meta_title":"Guide To Buying HDB Flats For Singles (2026) | MoneySmart","meta_descriptions":["Single with no one to mingle? We got you covered on what type of housings are available to singles in SG. Learn more!"],"attrs_boilerpipe_text":"TLDR Summary: HDB Flat Options For Singles (Last updated on 22 August 2023)\nWith effect from the second half of 2024, singles (Singapore citizens) can apply for two-room flexi Build-To-Order (BTO) flats in all locations such as those classified as Standard, Plus and Prime under a\nnew framework\n, which was shared by Prime Minister Lee Hsien Loong in his National Day Rally 2023 speech.\nThere are two schemes which singles (Singapore citizens) are eligible for — the Singles Singapore Citizen and Joint Singles Schemes, if they meet the requirements for resale or BTO HDB flats or EC. \nForeigners who are single are not eligible to buy any HDB flats in Singapore, but they are able to buy ECs which are at least 10 years old.\nSingapore citizens, with another owner or occupier who is also a Singapore citizen. For more details on the citizenship eligibility, you may refer to HDB's website\nhere\n.\n35 and up (unmarried or divorced) or 21 and up (widowed or orphan).\nBTO vs Resale Flat vs Executive Condo: Which Is Better For Singles?\nThere are several differences in terms of restrictions, income ceiling and other factors when comparing across the three types of properties that you can purchase as a single (or with another single).\nBTO\nResale\nEC\nRestrictions on flat type\/condo type\nBTO\nOnly 2-room flexi flats in all locations such as those classified as Standard, Plus and Prime under a\nnew framework\nby HDB\nResale\nNone\nEC\nOnly singles who have already bought 2 subsidised housing before (HDB\/Resale flat\/DBSS\/EC) are not allowed to buy an EC\nMaximum income ceiling\nBTO\n$7,000 (up to 99-year lease) $14,000 (up to 45-year lease)\nResale\nNone\nEC\n$16,000\nProperty ownership\/disposal\nBTO\nTo be disposed at least 30 months before date of application\nResale\nTo be disposed within 6 months of purchase\nEC\nTo be disposed within 6 months of completion of the EC unit purchase\nHousing grants available\nBTO\nEnhanced CPF Housing Grant (EHG)\nSingles Grant\nProximity Housing Grant\nResale\nEnhanced CPF Housing Grant (EHG)\nSingles Grant\nProximity Housing Grant\nEC\nJoint Singles Scheme (to be at least 35 years old)\nWhile there is no income ceiling for singles who want to buy an HDB flat from the resale market, a maximum income limit exists if you’re eyeing a CPF Housing Grant or HDB Loan. As for BTO, your monthly income should not exceed $7,000 (up to 99-years lease) or $14,000 (up to 45-year lease).\nGrants can be really helpful to lighten your financial burden of paying off your home loans, but your age does play a huge factor in your chances of getting these grants. Our monthly income tends to increase with our age and there may be a likelihood that you might not be eligible for grants to buy an HDB flat due to your income having exceeded the requirement. So if you’re single and earning more than $6,000, you’ll no longer be eligible to buy a new HDB BTO flat, or any grants.\nSingles who decide to take a HDB loan for a BTO and\/or resale flat, can use their CPF savings to pay for the 15% downpayment that is required. There’s also the Staggered Downpayment Scheme (if you’re eligible for it) that will allow you to pay your downpayment in two instalments.\nTo qualify for the Staggered Downpayment Scheme as a single, you’ll need to book an uncompleted 2-room or smaller flat in a non-mature estate in any HDB sales exercises, and you must not have sold or completed the sale of your existing flat at the point of your flat application. As for singles who take out a bank loan for their HDB flat purchase, a higher downpayment of 25% is needed and 20% of this amount can be paid from CPF savings, with at least 5% paid in cash.\nWhether you may or may not be getting married in the near future, or if your current co-flat owner may need to change the ownership status of the flat, due to a change in their family circumstances, such as marriage or demise of an owner, etc., you’ll need to keep in mind what to do in such situations.\nThere will be a need to apply for a change in flat ownership (not through a sale), where there is no monetary consideration. This requires a conveyancing procedure, similar to that of buying a HDB flat and is considered a legal process, which means you and the co-owner or the relevant parties involved have to prepare the necessary financial and legal documents. The process usually takes about 4 months, after you and the parties involved have confirmed the change in property ownership and submitted all required documents.\nWith the introduction of the new framework by HDB, the types of BTO are segmented into 3 categories namely Standard, Plus and Prime. Note that singles can only apply for 2-room flexi BTO flats and not 3-, 4-, or 5-room flats. The key differences between the 3 categories are highlighted below:","attrs_markdown":"[![MoneySmart Logo](https:\/\/assets.cdn-moneysmart.com\/assets\/cargo\/svg\/w5vwxizv54d1kcnlfsds.svg)](https:\/\/www.moneysmart.sg\/)\n\n- [Cards](https:\/\/www.moneysmart.sg\/credit-cards)\n  #### Compare Credit Cards\n  [All Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards) [Air Miles Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/air-miles) [Cash Back Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/cash-back) [No Annual Fee Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/no-annual-fee) [Overseas Spending Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/overseas-spending) [Promo Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/promo) [Petrol Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/petrol) [Rewards Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards\/rewards) [Travel Credit 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[Home](https:\/\/www.moneysmart.sg\/)\n2. [Home Loan](https:\/\/www.moneysmart.sg\/home-loan)\n3. [Guide To Buying HDB Flats For Singles (2026)](https:\/\/www.moneysmart.sg\/home-loan\/housing-guide-for-singles-ms)\n\n# Guide To Buying HDB Flats For Singles In Singapore 2026\nOne of the things to look forward to when you’re single and turning 35 is getting your own HDB flat or Executive Condominium (EC) in Singapore. However, if you’re below 35 and already ready to own your own home, you’ll be eligible to buy a private condominium although you’ll not qualify for a HDB flat.   \n  \n Singles who are interested in purchasing HDB flats will have the option of buying their flats under at least two different HDB schemes (Single Singapore Citizen Scheme and Joint Singles Scheme) and have the choice of choosing from three major property types (HDB BTO, resale flats, and ECs). Whether you’re keen on a HDB BTO or a resale unit, let’s run through your options together first to help you make your decision.\n\n![masthead-media](https:\/\/www.moneysmart.sg\/cdn-cgi\/image\/w=447,h=284,f=webp,q=100\/https:\/\/lps-images.moneysmart.co\/content\/16509\/content_image\/4f317a7af911372236719019e5cbcedc.png)\n\n## TLDR Summary: HDB Flat Options For Singles (Last updated on 22 August 2023)\n- With effect from the second half of 2024, singles (Singapore citizens) can apply for two-room flexi Build-To-Order (BTO) flats in all locations such as those classified as Standard, Plus and Prime under a [new framework](https:\/\/www.hdb.gov.sg\/about-us\/news-and-publications\/press-releases\/20082023-New-Plus-housing-model-with-more-subsidies), which was shared by Prime Minister Lee Hsien Loong in his National Day Rally 2023 speech.\n\n- There are two schemes which singles (Singapore citizens) are eligible for — the Singles Singapore Citizen and Joint Singles Schemes, if they meet the requirements for resale or BTO HDB flats or EC.\n\n- Foreigners who are single are not eligible to buy any HDB flats in Singapore, but they are able to buy ECs which are at least 10 years old.\n\n## Single Singapore Citizen Scheme and Joint Singles Scheme\nCurrently, there are two schemes — the Singles Singapore Citizen and Joint Singles Schemes, which are available for single Singaporeans to apply for if they are eligible for the two types of HDB flats or EC. Foreigners are not eligible to buy any HDB flats in Singapore, but they are able to buy ECs which are at least 10 years old.   \n  \n Thus, Singapore citizens who are singles are able to purchase either new or resale flats, but when it comes to getting BTO, they face the limitation of being able to buy only 2-room Flexi BTO units (in all locations classified as Standard, Plus and Prime). As for resale flats, there are no restrictions on the size or location for resale flats. Below is a summary of the criteria that is applicable to both the Singles Singapore Citizen & Joint Singles Scheme.\n\n## Eligibility criteria for the Singles Singapore Citizen and Joint Singles Schemes\n\n### Citizenship\nSingapore citizens, with another owner or occupier who is also a Singapore citizen. For more details on the citizenship eligibility, you may refer to HDB's website [here](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/understanding-your-eligibility-and-housing-loan-options\/flat-and-grant-eligibility\/singles).\n\n### Age\n35 and up (unmarried or divorced) or 21 and up (widowed or orphan).\n\n### Ethnic Integration Policy (EIP) and Singapore Permanent Resident (SPR)\nA single is required to [meet the EIP and SPR quota for the block\/neighbourhood when submitting the resale application.](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/buying-procedure-for-resale-flats\/plan-source-and-contract\/planning-considerations\/eip-spr-quota)\n\n![Background image](https:\/\/www.moneysmart.sg\/lps-assets\/did-you-know.MfepLGYZ.png)\n\n## BTO vs Resale Flat vs Executive Condo: Which Is Better For Singles?\nThere are several differences in terms of restrictions, income ceiling and other factors when comparing across the three types of properties that you can purchase as a single (or with another single).\n\n##\n|   | BTO | Resale | EC |\n|---|---|---|---|\n| Restrictions on flat type\/condo type | BTOOnly 2-room flexi flats in all locations such as those classified as Standard, Plus and Prime under a [new framework](https:\/\/www.hdb.gov.sg\/about-us\/news-and-publications\/press-releases\/20082023-New-Plus-housing-model-with-more-subsidies) by HDB | ResaleNone | ECOnly singles who have already bought 2 subsidised housing before (HDB\/Resale flat\/DBSS\/EC) are not allowed to buy an EC |\n| Maximum income ceiling | BTO\\$7,000 (up to 99-year lease) \\$14,000 (up to 45-year lease) | ResaleNone | EC\\$16,000 |\n| Property ownership\/disposal | BTOTo be disposed at least 30 months before date of application | ResaleTo be disposed within 6 months of purchase | ECTo be disposed within 6 months of completion of the EC unit purchase |\n| Housing grants available | BTOEnhanced CPF Housing Grant (EHG)Singles GrantProximity Housing Grant | ResaleEnhanced CPF Housing Grant (EHG)Singles GrantProximity Housing Grant | ECJoint Singles Scheme (to be at least 35 years old) |\n\n## Get Exclusive Mortgage Rates: Complete a Form for Your Special Offer\\!\nTake a minute to fill up a simple form and our mortgage specialists will get back to you on our special rate! Only available to Moneysmart customers.\n\n[Start Now](https:\/\/www.moneysmart.sg\/steps\/home-loan\/your-property)\n\n##\n[![“citigold](https:\/\/i.imgur.com\/fqJa7GZ.jpg)](https:\/\/www.moneysmart.sg\/steps\/home-loan\/your-property)\n\n###\n###\n\n## What To Consider When Applying For BTO Or Resale Flat?\n### Income ceiling\nWhile there is no income ceiling for singles who want to buy an HDB flat from the resale market, a maximum income limit exists if you’re eyeing a CPF Housing Grant or HDB Loan. As for BTO, your monthly income should not exceed \\$7,000 (up to 99-years lease) or \\$14,000 (up to 45-year lease).\n\n### Eligibility of grants or purchase of BTO\nGrants can be really helpful to lighten your financial burden of paying off your home loans, but your age does play a huge factor in your chances of getting these grants. Our monthly income tends to increase with our age and there may be a likelihood that you might not be eligible for grants to buy an HDB flat due to your income having exceeded the requirement. So if you’re single and earning more than \\$6,000, you’ll no longer be eligible to buy a new HDB BTO flat, or any grants.\n\n### Payments using CPF Savings\nSingles who decide to take a HDB loan for a BTO and\/or resale flat, can use their CPF savings to pay for the 15% downpayment that is required. There’s also the Staggered Downpayment Scheme (if you’re eligible for it) that will allow you to pay your downpayment in two instalments.\n\nTo qualify for the Staggered Downpayment Scheme as a single, you’ll need to book an uncompleted 2-room or smaller flat in a non-mature estate in any HDB sales exercises, and you must not have sold or completed the sale of your existing flat at the point of your flat application. As for singles who take out a bank loan for their HDB flat purchase, a higher downpayment of 25% is needed and 20% of this amount can be paid from CPF savings, with at least 5% paid in cash.\n\n### Joint ownership\nWhether you may or may not be getting married in the near future, or if your current co-flat owner may need to change the ownership status of the flat, due to a change in their family circumstances, such as marriage or demise of an owner, etc., you’ll need to keep in mind what to do in such situations.\n\nThere will be a need to apply for a change in flat ownership (not through a sale), where there is no monetary consideration. This requires a conveyancing procedure, similar to that of buying a HDB flat and is considered a legal process, which means you and the co-owner or the relevant parties involved have to prepare the necessary financial and legal documents. The process usually takes about 4 months, after you and the parties involved have confirmed the change in property ownership and submitted all required documents.\n\n### Standard, Plus or Prime category\nWith the introduction of the new framework by HDB, the types of BTO are segmented into 3 categories namely Standard, Plus and Prime. Note that singles can only apply for 2-room flexi BTO flats and not 3-, 4-, or 5-room flats. The key differences between the 3 categories are highlighted below:\n\n![Background image](https:\/\/www.moneysmart.sg\/lps-assets\/did-you-know.MfepLGYZ.png)\n\n## Sign up for a free MoneySmart account to continue reading\nWith MoneySmart's free membership, you unlock unlimited access to blog, exclusive rewards on financial products, up to 70% cashback at the MoneySmart Store, and more! Registration only takes 30 secs.\n\n[Sign up now](https:\/\/www.moneysmart.sg\/identity\/signin?callback_url=https%3A%2F%2Fwww.moneysmart.sg%2Fhome-loan%2Fhousing-guide-for-singles-ms&utm_source=lps&utm_medium=direct&utm_campaign=housing-guide-singles)\n\n## Related Articles\n[Upgrading From an HDB to Condo: Factors To Consider](https:\/\/www.moneysmart.sg\/home-loan\/hdb-to-condo-upgrade-ms)\n\n[Should I Use CPF To Pay For HDB or Condo?](https:\/\/www.moneysmart.sg\/home-loan\/paying-hdb-condo-with-cpf-or-cash-ms)\n\n[Housing Options For LGBT Individuals in Singapore](https:\/\/www.moneysmart.sg\/home-loan\/lgbt-housing-options-ms)\n\n1. [Home](https:\/\/www.moneysmart.sg\/)\n2. [Home Loan](https:\/\/www.moneysmart.sg\/home-loan)\n3. [Guide To Buying HDB Flats For Singles (2026)](https:\/\/www.moneysmart.sg\/home-loan\/housing-guide-for-singles-ms)\n\n![MoneySmart Logo](https:\/\/assets.cdn-moneysmart.com\/assets\/cargo\/svg\/w5vwxizv54d1kcnlfsds.svg)\n\n- [About](https:\/\/www.moneysmart.sg\/about-us)\n- [Careers](https:\/\/moneysmart.com\/)\n- [Contact Us](https:\/\/www.moneysmart.sg\/contact-us)\n\n- [Credit Cards](https:\/\/www.moneysmart.sg\/credit-cards)\n- [Insurance](https:\/\/www.moneysmart.sg\/insurance)\n- [Personal Loans](https:\/\/www.moneysmart.sg\/personal-loan)\n\n[Blog](https:\/\/blog.moneysmart.sg\/)\n\n[Budgeting](https:\/\/blog.moneysmart.sg\/category\/budgeting\/)\n\n[Opinion](https:\/\/blog.moneysmart.sg\/category\/opinion\/)\n\n[Invest](https:\/\/blog.moneysmart.sg\/category\/invest\/)\n\nDisclaimer: At MoneySmart, we aim to provide accurate, objective and up-to-date information. The details you see on our site may be different from others. Some content may be compensated through third-party advertisers. However, the results of our comparison tools which are not marked as sponsored are based on objective analysis. All financial products and services are presented without warranty. The list of financial products displayed on this website are not exhaustive.\n\nFollow us\n\n© 2009-2026 MoneySmart Singapore Pte Ltd. All rights reserved. Use of this site constitutes acceptance of our [Terms of Use](https:\/\/www.moneysmart.sg\/terms-of-use), [Privacy Policy](https:\/\/www.moneysmart.sg\/privacy-policy) and [Fair Dealing Policy](https:\/\/www.moneysmart.sg\/fair-dealing-policy)","attrs_readable_markdown":"## TLDR Summary: HDB Flat Options For Singles (Last updated on 22 August 2023)\n- With effect from the second half of 2024, singles (Singapore citizens) can apply for two-room flexi Build-To-Order (BTO) flats in all locations such as those classified as Standard, Plus and Prime under a [new framework](https:\/\/www.hdb.gov.sg\/about-us\/news-and-publications\/press-releases\/20082023-New-Plus-housing-model-with-more-subsidies), which was shared by Prime Minister Lee Hsien Loong in his National Day Rally 2023 speech.\n\n- There are two schemes which singles (Singapore citizens) are eligible for — the Singles Singapore Citizen and Joint Singles Schemes, if they meet the requirements for resale or BTO HDB flats or EC.\n\n- Foreigners who are single are not eligible to buy any HDB flats in Singapore, but they are able to buy ECs which are at least 10 years old.\n\nSingapore citizens, with another owner or occupier who is also a Singapore citizen. For more details on the citizenship eligibility, you may refer to HDB's website [here](https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/understanding-your-eligibility-and-housing-loan-options\/flat-and-grant-eligibility\/singles).\n\n35 and up (unmarried or divorced) or 21 and up (widowed or orphan).\n\n![Background image](https:\/\/www.moneysmart.sg\/lps-assets\/did-you-know.MfepLGYZ.png)\n\n## BTO vs Resale Flat vs Executive Condo: Which Is Better For Singles?\nThere are several differences in terms of restrictions, income ceiling and other factors when comparing across the three types of properties that you can purchase as a single (or with another single).\n\n|   | BTO | Resale | EC |\n|---|---|---|---|\n| Restrictions on flat type\/condo type | BTOOnly 2-room flexi flats in all locations such as those classified as Standard, Plus and Prime under a [new framework](https:\/\/www.hdb.gov.sg\/about-us\/news-and-publications\/press-releases\/20082023-New-Plus-housing-model-with-more-subsidies) by HDB | ResaleNone | ECOnly singles who have already bought 2 subsidised housing before (HDB\/Resale flat\/DBSS\/EC) are not allowed to buy an EC |\n| Maximum income ceiling | BTO\\$7,000 (up to 99-year lease) \\$14,000 (up to 45-year lease) | ResaleNone | EC\\$16,000 |\n| Property ownership\/disposal | BTOTo be disposed at least 30 months before date of application | ResaleTo be disposed within 6 months of purchase | ECTo be disposed within 6 months of completion of the EC unit purchase |\n| Housing grants available | BTOEnhanced CPF Housing Grant (EHG)Singles GrantProximity Housing Grant | ResaleEnhanced CPF Housing Grant (EHG)Singles GrantProximity Housing Grant | ECJoint Singles Scheme (to be at least 35 years old) |\n\nWhile there is no income ceiling for singles who want to buy an HDB flat from the resale market, a maximum income limit exists if you’re eyeing a CPF Housing Grant or HDB Loan. As for BTO, your monthly income should not exceed \\$7,000 (up to 99-years lease) or \\$14,000 (up to 45-year lease).\n\nGrants can be really helpful to lighten your financial burden of paying off your home loans, but your age does play a huge factor in your chances of getting these grants. Our monthly income tends to increase with our age and there may be a likelihood that you might not be eligible for grants to buy an HDB flat due to your income having exceeded the requirement. So if you’re single and earning more than \\$6,000, you’ll no longer be eligible to buy a new HDB BTO flat, or any grants.\n\nSingles who decide to take a HDB loan for a BTO and\/or resale flat, can use their CPF savings to pay for the 15% downpayment that is required. There’s also the Staggered Downpayment Scheme (if you’re eligible for it) that will allow you to pay your downpayment in two instalments.\n\nTo qualify for the Staggered Downpayment Scheme as a single, you’ll need to book an uncompleted 2-room or smaller flat in a non-mature estate in any HDB sales exercises, and you must not have sold or completed the sale of your existing flat at the point of your flat application. As for singles who take out a bank loan for their HDB flat purchase, a higher downpayment of 25% is needed and 20% of this amount can be paid from CPF savings, with at least 5% paid in cash.\n\nWhether you may or may not be getting married in the near future, or if your current co-flat owner may need to change the ownership status of the flat, due to a change in their family circumstances, such as marriage or demise of an owner, etc., you’ll need to keep in mind what to do in such situations.\n\nThere will be a need to apply for a change in flat ownership (not through a sale), where there is no monetary consideration. This requires a conveyancing procedure, similar to that of buying a HDB flat and is considered a legal process, which means you and the co-owner or the relevant parties involved have to prepare the necessary financial and legal documents. The process usually takes about 4 months, after you and the parties involved have confirmed the change in property ownership and submitted all required documents.\n\nWith the introduction of the new framework by HDB, the types of BTO are segmented into 3 categories namely Standard, Plus and Prime. Note that singles can only apply for 2-room flexi BTO flats and not 3-, 4-, or 5-room flats. The key differences between the 3 categories are highlighted below:\n\n![Background image](https:\/\/www.moneysmart.sg\/lps-assets\/did-you-know.MfepLGYZ.png)","meta_canonical":null}

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URL	https://www.moneysmart.sg/home-loan/housing-guide-for-singles-ms
Last Crawled	2026-04-14 04:25:49 (2 days ago)
First Indexed	2023-05-15 08:45:21 (2 years ago)
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Meta Title	Guide To Buying HDB Flats For Singles (2026) \| MoneySmart
Meta Description	Single with no one to mingle? We got you covered on what type of housings are available to singles in SG. Learn more!
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Boilerpipe Text	TLDR Summary: HDB Flat Options For Singles (Last updated on 22 August 2023) With effect from the second half of 2024, singles (Singapore citizens) can apply for two-room flexi Build-To-Order (BTO) flats in all locations such as those classified as Standard, Plus and Prime under a new framework , which was shared by Prime Minister Lee Hsien Loong in his National Day Rally 2023 speech. There are two schemes which singles (Singapore citizens) are eligible for — the Singles Singapore Citizen and Joint Singles Schemes, if they meet the requirements for resale or BTO HDB flats or EC. Foreigners who are single are not eligible to buy any HDB flats in Singapore, but they are able to buy ECs which are at least 10 years old. Singapore citizens, with another owner or occupier who is also a Singapore citizen. For more details on the citizenship eligibility, you may refer to HDB's website here . 35 and up (unmarried or divorced) or 21 and up (widowed or orphan). BTO vs Resale Flat vs Executive Condo: Which Is Better For Singles? There are several differences in terms of restrictions, income ceiling and other factors when comparing across the three types of properties that you can purchase as a single (or with another single). BTO Resale EC Restrictions on flat type/condo type BTO Only 2-room flexi flats in all locations such as those classified as Standard, Plus and Prime under a new framework by HDB Resale None EC Only singles who have already bought 2 subsidised housing before (HDB/Resale flat/DBSS/EC) are not allowed to buy an EC Maximum income ceiling BTO $7,000 (up to 99-year lease) $14,000 (up to 45-year lease) Resale None EC $16,000 Property ownership/disposal BTO To be disposed at least 30 months before date of application Resale To be disposed within 6 months of purchase EC To be disposed within 6 months of completion of the EC unit purchase Housing grants available BTO Enhanced CPF Housing Grant (EHG) Singles Grant Proximity Housing Grant Resale Enhanced CPF Housing Grant (EHG) Singles Grant Proximity Housing Grant EC Joint Singles Scheme (to be at least 35 years old) While there is no income ceiling for singles who want to buy an HDB flat from the resale market, a maximum income limit exists if you’re eyeing a CPF Housing Grant or HDB Loan. As for BTO, your monthly income should not exceed $7,000 (up to 99-years lease) or $14,000 (up to 45-year lease). Grants can be really helpful to lighten your financial burden of paying off your home loans, but your age does play a huge factor in your chances of getting these grants. Our monthly income tends to increase with our age and there may be a likelihood that you might not be eligible for grants to buy an HDB flat due to your income having exceeded the requirement. So if you’re single and earning more than $6,000, you’ll no longer be eligible to buy a new HDB BTO flat, or any grants. Singles who decide to take a HDB loan for a BTO and/or resale flat, can use their CPF savings to pay for the 15% downpayment that is required. There’s also the Staggered Downpayment Scheme (if you’re eligible for it) that will allow you to pay your downpayment in two instalments. To qualify for the Staggered Downpayment Scheme as a single, you’ll need to book an uncompleted 2-room or smaller flat in a non-mature estate in any HDB sales exercises, and you must not have sold or completed the sale of your existing flat at the point of your flat application. As for singles who take out a bank loan for their HDB flat purchase, a higher downpayment of 25% is needed and 20% of this amount can be paid from CPF savings, with at least 5% paid in cash. Whether you may or may not be getting married in the near future, or if your current co-flat owner may need to change the ownership status of the flat, due to a change in their family circumstances, such as marriage or demise of an owner, etc., you’ll need to keep in mind what to do in such situations. There will be a need to apply for a change in flat ownership (not through a sale), where there is no monetary consideration. This requires a conveyancing procedure, similar to that of buying a HDB flat and is considered a legal process, which means you and the co-owner or the relevant parties involved have to prepare the necessary financial and legal documents. The process usually takes about 4 months, after you and the parties involved have confirmed the change in property ownership and submitted all required documents. With the introduction of the new framework by HDB, the types of BTO are segmented into 3 categories namely Standard, Plus and Prime. Note that singles can only apply for 2-room flexi BTO flats and not 3-, 4-, or 5-room flats. The key differences between the 3 categories are highlighted below:
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[Home](https://www.moneysmart.sg/) 2. [Home Loan](https://www.moneysmart.sg/home-loan) 3. [Guide To Buying HDB Flats For Singles (2026)](https://www.moneysmart.sg/home-loan/housing-guide-for-singles-ms) # Guide To Buying HDB Flats For Singles In Singapore 2026 One of the things to look forward to when you’re single and turning 35 is getting your own HDB flat or Executive Condominium (EC) in Singapore. However, if you’re below 35 and already ready to own your own home, you’ll be eligible to buy a private condominium although you’ll not qualify for a HDB flat. Singles who are interested in purchasing HDB flats will have the option of buying their flats under at least two different HDB schemes (Single Singapore Citizen Scheme and Joint Singles Scheme) and have the choice of choosing from three major property types (HDB BTO, resale flats, and ECs). Whether you’re keen on a HDB BTO or a resale unit, let’s run through your options together first to help you make your decision. ![masthead-media](https://www.moneysmart.sg/cdn-cgi/image/w=447,h=284,f=webp,q=100/https://lps-images.moneysmart.co/content/16509/content_image/4f317a7af911372236719019e5cbcedc.png) ## TLDR Summary: HDB Flat Options For Singles (Last updated on 22 August 2023) - With effect from the second half of 2024, singles (Singapore citizens) can apply for two-room flexi Build-To-Order (BTO) flats in all locations such as those classified as Standard, Plus and Prime under a [new framework](https://www.hdb.gov.sg/about-us/news-and-publications/press-releases/20082023-New-Plus-housing-model-with-more-subsidies), which was shared by Prime Minister Lee Hsien Loong in his National Day Rally 2023 speech. - There are two schemes which singles (Singapore citizens) are eligible for — the Singles Singapore Citizen and Joint Singles Schemes, if they meet the requirements for resale or BTO HDB flats or EC. - Foreigners who are single are not eligible to buy any HDB flats in Singapore, but they are able to buy ECs which are at least 10 years old. ## Single Singapore Citizen Scheme and Joint Singles Scheme Currently, there are two schemes — the Singles Singapore Citizen and Joint Singles Schemes, which are available for single Singaporeans to apply for if they are eligible for the two types of HDB flats or EC. Foreigners are not eligible to buy any HDB flats in Singapore, but they are able to buy ECs which are at least 10 years old. Thus, Singapore citizens who are singles are able to purchase either new or resale flats, but when it comes to getting BTO, they face the limitation of being able to buy only 2-room Flexi BTO units (in all locations classified as Standard, Plus and Prime). As for resale flats, there are no restrictions on the size or location for resale flats. Below is a summary of the criteria that is applicable to both the Singles Singapore Citizen & Joint Singles Scheme. ## Eligibility criteria for the Singles Singapore Citizen and Joint Singles Schemes ### Citizenship Singapore citizens, with another owner or occupier who is also a Singapore citizen. For more details on the citizenship eligibility, you may refer to HDB's website [here](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/flat-and-grant-eligibility/singles). ### Age 35 and up (unmarried or divorced) or 21 and up (widowed or orphan). ### Ethnic Integration Policy (EIP) and Singapore Permanent Resident (SPR) A single is required to [meet the EIP and SPR quota for the block/neighbourhood when submitting the resale application.](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/buying-procedure-for-resale-flats/plan-source-and-contract/planning-considerations/eip-spr-quota) ![Background image](https://www.moneysmart.sg/lps-assets/did-you-know.MfepLGYZ.png) ## BTO vs Resale Flat vs Executive Condo: Which Is Better For Singles? There are several differences in terms of restrictions, income ceiling and other factors when comparing across the three types of properties that you can purchase as a single (or with another single). ## \| \| BTO \| Resale \| EC \| \|---\|---\|---\|---\| \| Restrictions on flat type/condo type \| BTOOnly 2-room flexi flats in all locations such as those classified as Standard, Plus and Prime under a [new framework](https://www.hdb.gov.sg/about-us/news-and-publications/press-releases/20082023-New-Plus-housing-model-with-more-subsidies) by HDB \| ResaleNone \| ECOnly singles who have already bought 2 subsidised housing before (HDB/Resale flat/DBSS/EC) are not allowed to buy an EC \| \| Maximum income ceiling \| BTO\$7,000 (up to 99-year lease) \$14,000 (up to 45-year lease) \| ResaleNone \| EC\$16,000 \| \| Property ownership/disposal \| BTOTo be disposed at least 30 months before date of application \| ResaleTo be disposed within 6 months of purchase \| ECTo be disposed within 6 months of completion of the EC unit purchase \| \| Housing grants available \| BTOEnhanced CPF Housing Grant (EHG)Singles GrantProximity Housing Grant \| ResaleEnhanced CPF Housing Grant (EHG)Singles GrantProximity Housing Grant \| ECJoint Singles Scheme (to be at least 35 years old) \| ## Get Exclusive Mortgage Rates: Complete a Form for Your Special Offer\! Take a minute to fill up a simple form and our mortgage specialists will get back to you on our special rate! Only available to Moneysmart customers. [Start Now](https://www.moneysmart.sg/steps/home-loan/your-property) ## [![“citigold](https://i.imgur.com/fqJa7GZ.jpg)](https://www.moneysmart.sg/steps/home-loan/your-property) ### ### ## What To Consider When Applying For BTO Or Resale Flat? ### Income ceiling While there is no income ceiling for singles who want to buy an HDB flat from the resale market, a maximum income limit exists if you’re eyeing a CPF Housing Grant or HDB Loan. As for BTO, your monthly income should not exceed \$7,000 (up to 99-years lease) or \$14,000 (up to 45-year lease). ### Eligibility of grants or purchase of BTO Grants can be really helpful to lighten your financial burden of paying off your home loans, but your age does play a huge factor in your chances of getting these grants. Our monthly income tends to increase with our age and there may be a likelihood that you might not be eligible for grants to buy an HDB flat due to your income having exceeded the requirement. So if you’re single and earning more than \$6,000, you’ll no longer be eligible to buy a new HDB BTO flat, or any grants. ### Payments using CPF Savings Singles who decide to take a HDB loan for a BTO and/or resale flat, can use their CPF savings to pay for the 15% downpayment that is required. There’s also the Staggered Downpayment Scheme (if you’re eligible for it) that will allow you to pay your downpayment in two instalments. To qualify for the Staggered Downpayment Scheme as a single, you’ll need to book an uncompleted 2-room or smaller flat in a non-mature estate in any HDB sales exercises, and you must not have sold or completed the sale of your existing flat at the point of your flat application. As for singles who take out a bank loan for their HDB flat purchase, a higher downpayment of 25% is needed and 20% of this amount can be paid from CPF savings, with at least 5% paid in cash. ### Joint ownership Whether you may or may not be getting married in the near future, or if your current co-flat owner may need to change the ownership status of the flat, due to a change in their family circumstances, such as marriage or demise of an owner, etc., you’ll need to keep in mind what to do in such situations. There will be a need to apply for a change in flat ownership (not through a sale), where there is no monetary consideration. This requires a conveyancing procedure, similar to that of buying a HDB flat and is considered a legal process, which means you and the co-owner or the relevant parties involved have to prepare the necessary financial and legal documents. The process usually takes about 4 months, after you and the parties involved have confirmed the change in property ownership and submitted all required documents. ### Standard, Plus or Prime category With the introduction of the new framework by HDB, the types of BTO are segmented into 3 categories namely Standard, Plus and Prime. Note that singles can only apply for 2-room flexi BTO flats and not 3-, 4-, or 5-room flats. The key differences between the 3 categories are highlighted below: ![Background image](https://www.moneysmart.sg/lps-assets/did-you-know.MfepLGYZ.png) ## Sign up for a free MoneySmart account to continue reading With MoneySmart's free membership, you unlock unlimited access to blog, exclusive rewards on financial products, up to 70% cashback at the MoneySmart Store, and more! Registration only takes 30 secs. [Sign up now](https://www.moneysmart.sg/identity/signin?callback_url=https%3A%2F%2Fwww.moneysmart.sg%2Fhome-loan%2Fhousing-guide-for-singles-ms&utm_source=lps&utm_medium=direct&utm_campaign=housing-guide-singles) ## Related Articles [Upgrading From an HDB to Condo: Factors To Consider](https://www.moneysmart.sg/home-loan/hdb-to-condo-upgrade-ms) [Should I Use CPF To Pay For HDB or Condo?](https://www.moneysmart.sg/home-loan/paying-hdb-condo-with-cpf-or-cash-ms) [Housing Options For LGBT Individuals in Singapore](https://www.moneysmart.sg/home-loan/lgbt-housing-options-ms) 1. [Home](https://www.moneysmart.sg/) 2. [Home Loan](https://www.moneysmart.sg/home-loan) 3. 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Readable Markdown	## TLDR Summary: HDB Flat Options For Singles (Last updated on 22 August 2023) - With effect from the second half of 2024, singles (Singapore citizens) can apply for two-room flexi Build-To-Order (BTO) flats in all locations such as those classified as Standard, Plus and Prime under a [new framework](https://www.hdb.gov.sg/about-us/news-and-publications/press-releases/20082023-New-Plus-housing-model-with-more-subsidies), which was shared by Prime Minister Lee Hsien Loong in his National Day Rally 2023 speech. - There are two schemes which singles (Singapore citizens) are eligible for — the Singles Singapore Citizen and Joint Singles Schemes, if they meet the requirements for resale or BTO HDB flats or EC. - Foreigners who are single are not eligible to buy any HDB flats in Singapore, but they are able to buy ECs which are at least 10 years old. Singapore citizens, with another owner or occupier who is also a Singapore citizen. For more details on the citizenship eligibility, you may refer to HDB's website [here](https://www.hdb.gov.sg/cs/infoweb/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/flat-and-grant-eligibility/singles). 35 and up (unmarried or divorced) or 21 and up (widowed or orphan). ![Background image](https://www.moneysmart.sg/lps-assets/did-you-know.MfepLGYZ.png) ## BTO vs Resale Flat vs Executive Condo: Which Is Better For Singles? There are several differences in terms of restrictions, income ceiling and other factors when comparing across the three types of properties that you can purchase as a single (or with another single). \| \| BTO \| Resale \| EC \| \|---\|---\|---\|---\| \| Restrictions on flat type/condo type \| BTOOnly 2-room flexi flats in all locations such as those classified as Standard, Plus and Prime under a [new framework](https://www.hdb.gov.sg/about-us/news-and-publications/press-releases/20082023-New-Plus-housing-model-with-more-subsidies) by HDB \| ResaleNone \| ECOnly singles who have already bought 2 subsidised housing before (HDB/Resale flat/DBSS/EC) are not allowed to buy an EC \| \| Maximum income ceiling \| BTO\$7,000 (up to 99-year lease) \$14,000 (up to 45-year lease) \| ResaleNone \| EC\$16,000 \| \| Property ownership/disposal \| BTOTo be disposed at least 30 months before date of application \| ResaleTo be disposed within 6 months of purchase \| ECTo be disposed within 6 months of completion of the EC unit purchase \| \| Housing grants available \| BTOEnhanced CPF Housing Grant (EHG)Singles GrantProximity Housing Grant \| ResaleEnhanced CPF Housing Grant (EHG)Singles GrantProximity Housing Grant \| ECJoint Singles Scheme (to be at least 35 years old) \| While there is no income ceiling for singles who want to buy an HDB flat from the resale market, a maximum income limit exists if you’re eyeing a CPF Housing Grant or HDB Loan. As for BTO, your monthly income should not exceed \$7,000 (up to 99-years lease) or \$14,000 (up to 45-year lease). Grants can be really helpful to lighten your financial burden of paying off your home loans, but your age does play a huge factor in your chances of getting these grants. Our monthly income tends to increase with our age and there may be a likelihood that you might not be eligible for grants to buy an HDB flat due to your income having exceeded the requirement. So if you’re single and earning more than \$6,000, you’ll no longer be eligible to buy a new HDB BTO flat, or any grants. Singles who decide to take a HDB loan for a BTO and/or resale flat, can use their CPF savings to pay for the 15% downpayment that is required. There’s also the Staggered Downpayment Scheme (if you’re eligible for it) that will allow you to pay your downpayment in two instalments. To qualify for the Staggered Downpayment Scheme as a single, you’ll need to book an uncompleted 2-room or smaller flat in a non-mature estate in any HDB sales exercises, and you must not have sold or completed the sale of your existing flat at the point of your flat application. As for singles who take out a bank loan for their HDB flat purchase, a higher downpayment of 25% is needed and 20% of this amount can be paid from CPF savings, with at least 5% paid in cash. Whether you may or may not be getting married in the near future, or if your current co-flat owner may need to change the ownership status of the flat, due to a change in their family circumstances, such as marriage or demise of an owner, etc., you’ll need to keep in mind what to do in such situations. There will be a need to apply for a change in flat ownership (not through a sale), where there is no monetary consideration. This requires a conveyancing procedure, similar to that of buying a HDB flat and is considered a legal process, which means you and the co-owner or the relevant parties involved have to prepare the necessary financial and legal documents. The process usually takes about 4 months, after you and the parties involved have confirmed the change in property ownership and submitted all required documents. With the introduction of the new framework by HDB, the types of BTO are segmented into 3 categories namely Standard, Plus and Prime. Note that singles can only apply for 2-room flexi BTO flats and not 3-, 4-, or 5-room flats. The key differences between the 3 categories are highlighted below: ![Background image](https://www.moneysmart.sg/lps-assets/did-you-know.MfepLGYZ.png)
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