Eligibility Check for EC

How do I know if I am eligible?

我能不能申请预购执行共管公寓?

Executive Condominiums are specially customized for the sandwich class when it first came to the market.
Today, more family household are looking into moving into an Executive Condominium due to it bigger living space and lower quantum in comparison to Private Condominium. However, not all household are eligible to submit an application for a new executive condominum because of the eligiblility criteria set by Singapore Government. The eligibility conditions are listed down below for your understanding. All informations can be found in HDB portal.

Citizenship 国籍:

ONE SINGAPORE CITIZEN + ONE PERMANENT RESIDENT

新加坡公民 + 新加坡永久居民

ONE SINGAPORE CITIZEN + ONE SINGAPORE CITIZEN

新加坡公民 + 新加坡公民

ONE SINGAPORE CITIZEN + ONE FOREIGNER + ONE SINGAPORE CITIZEN CHILD

新加坡公民 + 外国公民 + 新加坡公民的小孩

Household Income 家庭收入:

TOTAL GROSS INCOME NOT EXCEEDING $14,000 BEFORE ANY DEDUCTION OF CPF ETC.

家庭每月总收入在扣除公积金或任何用途之前,不超过 一万四千元

 

Overview of eligibility condition

Type of Schemes Public Scheme
Fiancé/ Fiancée Scheme
Orphan Scheme
Joint Singles Scheme
Citizenship You must be a Singapore Citizen
At least 1 other applicant must be a Singapore Citizen or Permanent Resident
All singles must be Singapore Citizens if applying under the Joint Singles Scheme
Age At least 21 years old
At least 35 years old, if applying under the Joint Singles Scheme
Income Ceiling Combined household income must not exceed the $14,000 income ceiling
Property ownership You do not own other private property overseas or locally, or have not disposed of any within the last 30 months
You have not bought a new HDB/ DBSS flat or EC, or received a CPF Housing Grant before; or, have only bought 1 of these properties/ received 1 CPF Housing Grant thus far

Check out if you are eligible for any of the scheme below:

1. Public Scheme You form a family nucleus with any of the following:
•  Spouse, and children (if any)
•  Parents, and siblings (if any)
•  Children under your legal custody, care, and control (for widowed/ divorced applicants)
2. Fiancé/ Fiancée Scheme
You form a family nucleus with your spouse-to-be.
Submission of marriage certificate
Under this scheme, you need to submit a copy of your marriage certificate to the developer.
If You: Submit Copy of Marriage Certificate:
Applied for a CPF Housing Grant Before taking possession of your EC
Did not apply for a CPF Housing Grant Within 3 months of taking possession of your EC
Written parental consent needed if spouse-to- be is 18 years old and above, but below 21
•  That person can only be listed as an essential occupier in the flat application
•  Written consent from that person’s parents/ guardians must be submitted during the EC selection appointment
Special Marriage Licence needed if spouse-to- be is below 18 years old
Following your flat application, you must obtain a Special Marriage Licence from the Ministry of Social and Family Development and submit it to HDB during the EC selection appointment.
3. Orphans Scheme
You and your siblings (those applying) are orphans and single (unmarried, divorced, or widowed)
•  All of the siblings that are single must be listed in the same application
•  At least 1 of the deceased parents was a Singapore Citizen or Singapore Permanent Resident
Note that under the Orphans Scheme, siblings are not allowed to buy or rent flats separately.
4. Joint Singles Scheme
You and up to 3 other co-applicants, and all of you are:
•  Single (unmarried, divorced, or widowed)
•  Singapore Citizen
•  At least 35 years old
•  Applying jointly as co-applicants
The CPF Housing Grant for singles is not available when buying an EC.

Types of income document required

Nature of Employment Documents to Submit Notes
Employed person Latest 3 months’ payslips, i.e. month of application and preceding 2 months Assessment is based on the average gross monthly income, which:
or Excludes bonuses and income earned from overtime work
Letter from employer certifying salaries for the month of application and the preceding 2 months; the letter must contain the: Includes allowances(fixed/variable) received on a regular basis(e.g. allowances for food, transport, laundry, uniform, etc)
o Company stamp/letterhead Notice of Assessment(NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted
o Certifying officer’s name, signature, and designation
Self-employed person Latest NOA from IRAS or Statement of Annual Accounts certified by an audit firm Assessment is based on the average gross monthly income for the past 12 months
and
Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) or valid licence of trade
Part-time worker • Latest 12 months’ payslips Assessment is based on the average gross monthly income for the past 12 months
or
• Letter from employer certifying salaries for the last 12 months; the letter must contain the:
o Company stamp/ letterhead
o Certifying officer’s name, signature, and designation
Commission-based person • Latest 12 months’ commission statements/payslips Assessment is based on the average gross monthly income for the past 12 months
or
• Letter from employer certifying salaries for the last 12 months; the letter must contain the:
o Company stamp/ letterhead
o Certifying officer’s name, signature, and designation
Odd job worker Latest NOA from IRAS Assessment is based on the average gross monthly income for the past 12 months
and
Previous year’s NOA from IRAS
Unemployed person (between 18 to 62 years old) • Statutory Declaration to declare the employment status or valid Student Pass if currently a full-time student • The Statutory Declaration can be executed at the HDB Hub Loans Counter or any HDB Branch. Declarants are required to bring along their Identity Cards
• If unemployed for less than 3 months, the following documents are required:
o Income proof for the preceding months from the previous employer stating their gross monthly income and last day of service • If not in Singapore, the Statutory Declaration can be made in the presence of a Commissioner for Oaths or Notary Public for that country
o Latest 15 months’ CPF contribution history

Income Assessment

Income/ allowance that will be considered for the income ceiling of $14,000. • Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
• Pension
• Stipend
• Sustenance
Income/ allowance not considered for the income ceiling of $14,000. • Alimony allowance
• Bonuses
• Director fees
• Income from overtime work income
• National Service Allowance
• Rental income
• Scholarship overseas allowance

First-timer / Second-timer Application

1. First- timer Applicant First-timers enjoy privileges and priority in flat allocation.
Yours will be treated as a first-timer application if you and any of the other listed owners and essential occupiers meet the following criteria:
• Not the owner of a flat bought from HDB, or an EC/ DBSS flat bought from a developer
• Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
• Not received any CPF Housing Grant for the purchase of a HDB resale flat
• Not taken any form of housing grant subsidy (e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS) or HUDC estate privatisation)
If you are a second-timer and your spouse/ spouse-to-be is a first timer, you will be glad to know that you and your spouse/ spouse-to-be will enjoy first timer privileges and priority as a couple.
2. Second-timer Applicant Yours will be treated as a second-timer application if any of the following applies to you or any of the other listed owners or essential occupiers:
• Have owned or sold any of the following:
o HDB flat bought from HDB
o Resale flat bought using a CPF Housing Grant
o EC/ DBSS flat bought from the developer
• Once taken some form of housing subsidy (e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatation)