Frequent Asked Questions on Executive Condominium
Section A： Eligibility FAQs
I am a Singaporean, 35, can I buy a new build HDB BTO, DBSS or EC alone?
you are age 35 and above, you can buy any HDB resale flat.
However for new flat (direct purchase) from HDB,
You can only buy a new 2 Rm BTO in a non-mature estate alone. Your average household income shall not exceed
$5000/mth. You can check HDB website on the eligibility conditions to purchase
There is no single scheme for DBSS
There is also no single scheme for EC. However, you can buy an EC under the Joint Singles
scheme with another single, also age 35 and above.
2. I am a local, 33,
can I purchase a new EC with either my father or mother?
If you are
below 35 years of age, you need to form a valid family nucleus in order to buy an EC.
purchase an EC with both your parents listed as joint applicants or as essential occupiers of the
flat. You can purchase an EC with either your father or mother if
they are legally separated (divorce or death of one partner).
parent(s) is listed as applicants or essential occupiers, the same home ownership rules applies to them.
If your parent(s) have an interest in another existing HDB flat, they must sell their existing flat within 6
months of TOP.
If your parent(s) have an
interest in a private property, they must dispose the private property and wait for a period of 30 months
before they can apply for a EC jointly with you.
3. I am a SC and my partner is applying for his/her SPR. Do we have to wait 3 years before we can apply for an
EC? If not, how soon we can put in our
household is treated as a citizen household and you do not have to wait 3 years before applying for an EC
earliest you can put in your application to purchase an EC is when your partner received the SPR approval
notification letter that has the ‘blue’ IC number stated.
4. I have a commercial property under my
name. Can we still apply for EC?
You will need to
submit an appeal together with the application and additional processing fees. The application will be subjected to HDB approval and the success rate is
dependent of the number of commercial properties owned and whether it is for own use or rental
5. We currently own a HDB flat bought from
the resale market. Are we eligible to apply an EC whose estimated TOP will
fall after our MOP?
have not bought a flat directly from HDB before, it will depend on whether CPF housing grant was
taken for the purchase of resale flat.
you have to wait till your MOP is met before you can apply for an EC.
CPF housing grant was taken for the purchase of HDB resale flat, you can apply for an EC whose estimated TOP
will fall after your MOP period.
6. My MOP is a few more months from now; I am
afraid my choice unit will be sold by the time MOP is met and/or my household income will exceed the income
ceiling in the forthcoming salary adjustment, can we book an EC unit before
decision to accept your booking ahead of MOP lies with the developer. Different developer may have different
acceptance timeline. Some will not accept any booking before MOP, some will accept x weeks ahead of MOP while
other may accept x months ahead.
appeal letter needs to drafted by the applicants and be submitted to the developer. The acceptance by the developer does not constitute a firm booking; the
final acceptance is still by HDB.
event the appeal is rejected by HDB, the booking fees will be refunded in full and the applicants will have
to re-submit a fresh application when their MOP has been met.
The bright side to that is the developer may be able to reserve your choice unit till your MOP is met.
adjusted salary exceeds the ceiling when the MOP is met, a fresh appeal together with the application will
need to be submitted to the developer and HDB for acceptance and approval. (See Qn A.5)
7. My household income exceeded the
income ceiling marginally, can we still apply for an EC? What is the success
appeal will need to be drafted as long as you exceeded the ceiling income, even by the smallest amount of
$1. Again, all appeal will be subjected to the acceptance by
developer first and subsequently the final approval by HDB. Check with the serving agent first whether developer will accept your
application before investing time and effort visiting the showflat.
success rate will be dependent on the strength of the reasons stated in the appeal letter. In general, the success rate is pretty high for applicants with average
excess less than $500 above the ceiling cap.
8. Our total household income is about
$11,000. Our eldest child will start working soon. Will our child’s income (est. $3,500) be included in the
total household income computation? Will that disqualify us to purchase a new
The household income is computed based on the valid family nucleus income.
If both of you are listed as main applicants, the valid family nucleus has been met. Both your income will be treated as total household income and you are eligible
to purchase an EC under this scenario.
If your child is listed as the main applicant and both of you will need to be listed as essential occupiers to from
the family nucleus. In this scenario, your child income plus both your
income will be the household income and you will be disqualified to apply for a new EC.
9. I have joint ownership of a private condo
with my child. My child is getting married soon
and if his/her name is taken out from joint ownership of this private condo, does he/she still need to wait for
30 months before he can apply for a new EC?
your child will need to wait for 30 months before he/she can apply for an EC
other point to consider is finances. If your child CPF
monies has been used to pay for private condo, do you have enough resources to pay back his/her CPF amount
plus accrued interest?
these reasons that parents and child should weigh the pros and cons carefully before putting a private
property under joint ownership.
10. In what
situation will HDB reject application for new EC beside the prevaling housing income
If applicants meet all the eligibility criteria, HDB is not likely to reject the application. Most rejections are
on untruthful declaration by applicants and rejection of appeal cases on income ceiling and MOP.
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