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Buy HDB in Singapore

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Understanding HDB Flats

HDB flats are public housing units developed by Singapore’s Housing & Development Board. They are designed to be affordable and cater to various household sizes and income levels. Buyers can choose between:

  • Build-To-Order (BTO) Flats: Newly constructed units offered during specific sales launches.
  • Resale Flats: Pre-owned units available for purchase on the open market.

Upcoming

NEW BTO FLATS 2025

As part of the government’s ongoing efforts to meet housing demands, these upcoming BTO launches will feature a diverse range of locations, unit types, and enhanced amenities. Stay ahead by keeping an eye on the latest announcements and prepare for the application process to secure your ideal flat in Singapore’s next BTO launch.

Kallang Wampoa

Kallang/Whampoa

Flat TypeNumber of Units
2-Room  260 units
3-Room80 units
4-Room460 units
Total800 units

*Information is subject to change.

Facilities:

Preescholl, Resident’s Network Centre.

Queenstow

Flat TypeNumber of Units
2-Room 450 units
3-Room80 units
4-Room580 units
Total1110 units

*Information is subject to change.

Facilities:

Preschool, Residents’ Network Centre.

Woodlands

Flat TypeNumber of Units
2-Room 330 units
3-Room80 units
4-Room600 units
5-Room530 units
Total1540 units

*Information is subject to change.

Facilities:

Eating Houses, Supermarket, Shops, Residents’ Network Centre, Preschools

Eligibility Criteria

Before embarking on your HDB purchase, it’s essential to determine your eligibility. Key considerations include:

  • Citizenship: At least one applicant must be a Singapore Citizen.
  • Age: Applicants must be at least 21 years old.
  • Family Nucleus: You should form a family nucleus, such as a married couple, or apply under schemes like the Single Singapore Citizen Scheme if you’re unmarried.
  • Income Ceiling: Depending on the flat type and scheme, there may be income ceilings to qualify.

For a comprehensive overview of eligibility requirements, please refer to the Housing & Development Board’s official guidelines.

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Financial Planning

Understanding the financial commitments involved is crucial. Consider the following:

  • Flat Price: Prices vary based on location, size, and market conditions.
  • Downpayment: Typically, a percentage of the flat’s price is required upfront.
  • Housing Loans: Options include HDB loans and bank loans, each with specific terms and interest rates.
  • Additional Costs: Be prepared for expenses such as stamp duties, legal fees, and renovation costs.

Utilizing tools like the HDB Loan Calculator can provide insights into your financial readiness.

Do you need help to buy HDB in Singapore?

At Haohaoguo Realty, we specialize in helping homebuyers navigate the process of purchasing HDB flats in Singapore, ensuring a smooth and hassle-free experience. Whether you’re a first-time buyer looking for a Build-To-Order (BTO) flat, a young couple exploring a resale HDB unit, or an upgrader seeking a larger space, our dedicated team is here to guide you every step of the way.

Contact us now

Expert Guidance

Personalized Assistance

Seamless Process

Comprehensive Support

The Buying Process

  1. Apply for an HDB Flat Eligibility (HFE) Letter: This letter confirms your eligibility to purchase an HDB flat and indicates the CPF housing grants and HDB loan amount you can receive.

  2. Explore Available Flats:

    • BTO Flats: Participate in HDB’s sales launches, which occur periodically.
    • Resale Flats: Browse listings on platforms like the HDB Flat Portal to find a flat that suits your preferences.

  3. Secure Financing:

    • HDB Loan: If eligible, apply directly through HDB.
    • Bank Loan: Obtain an Approval in Principle (AIP) from a bank to understand your borrowing capacity.

  4. Submit Your Application:

    • BTO Flats: Apply during the sales launch and await the outcome of the ballot.
    • Resale Flats: Negotiate with the seller, obtain an Option to Purchase (OTP), and proceed with the necessary HDB submissions.

  5. Completion and Key Collection: Upon finalizing all procedures and payments, you’ll receive the keys to your new home.

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Guidance related to HDB Purchase in Singapore

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How to Buy HDB in Singapore for Single?

Single Singaporeans aged 35 and above can buy an HDB flat under the Single Singapore Citizen Scheme. Eligible buyers can choose between a new 2-room Flexi BTO flat in non-mature estates or a resale HDB flat of any size and location. To begin, you must apply for an HDB Flat Eligibility (HFE) letter, which determines your eligibility, loan options, and CPF housing grants.

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How to Buy HDB in Singapore for Foreigners?

Foreigners generally cannot buy HDB flats in Singapore unless they meet specific criteria. Only Singapore Permanent Residents (PRs) can purchase an HDB resale flat, and even then, they must form a family nucleus with another PR or a Singapore Citizen (e.g., spouse or children) under the Public Scheme. PRs are not eligible to buy new BTO flats. Foreigners who do not hold PR status are not allowed to buy HDB flats but can consider renting an HDB unit instead. 

An HDB flat is a public housing unit developed by the Housing & Development Board (HDB) in Singapore. These flats are designed to be affordable and accessible to Singaporeans, providing quality housing in well-planned estates with essential amenities such as schools, parks, public transport, and shopping centers.

To purchase an HDB flat, buyers must meet specific eligibility criteria based on citizenship, income, and household structure:

  • Singapore Citizens (SCs) can buy both Build-To-Order (BTO) and resale HDB flats.
  • Singapore Permanent Residents (PRs) can only purchase resale flats after meeting a three-year minimum residency requirement.
  • Foreigners are not allowed to buy HDB flats but can rent them.
  • Build-To-Order (BTO) Flats – New flats sold by HDB through a balloting system, with a waiting time of 3 to 5 years for construction.
  • Resale Flats – Pre-owned flats available for immediate purchase on the open market.

All HDB flats in Singapore are sold with a 99-year leasehold tenure, meaning homeowners have the right to occupy the flat for 99 years from the date the lease starts.

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