Estimates only. Not financial, legal or tax advice. Verify with IRAS/HDB/your bank; rules may change. Figures checked against IRAS/HDB/MAS on 13 October 2026.
Rules used
- Income ceiling: S$16,000 a month (HDB EC eligibility page); S$18,000 only for new units in EC projects whose land-sale tender closes on or after 24 Aug 2026.
- Citizenship and household: at least one Singapore Citizen applicant, with at least one other Singapore Citizen or PR in an eligible family nucleus, or under the Joint Singles Scheme (further conditions apply).
- Private property: must not own any, and must not have disposed of any within the last 30 months.
- HDB owners: may buy, but must dispose of the flat within 6 months of EC key collection; second-timers pay a resale levy.
- CPF Housing Grant (new EC from developer): SC/SC first-timers S$30,000 (income ≤ S$10,000), S$20,000 (S$10,001–11,000), S$10,000 (S$11,001–12,000); SC/SPR S$20,000 / S$10,000 / nil; first-timer + second-timer S$15,000 / S$10,000 / S$5,000; nil above S$12,000. Based on average gross monthly household income.