HDB Eligibility Check

Find out which HDB schemes you qualify for — BTO, resale, EC — and which grants apply to you.

1 Citizenship
2 Age
3 Family
4 Income
5 Property
6 History

Citizenship Status

Your citizenship determines which HDB schemes you can apply for.

Your Age

Age determines eligibility for certain schemes like the Singles scheme (35+).

Family Nucleus

HDB requires you to form a family nucleus to purchase a flat.

Household Income

HDB has income ceilings for different flat types and schemes.

Property Ownership

Current property ownership affects what you can buy from HDB.

HDB Purchase History

Whether you have previously bought a subsidised HDB flat affects your eligibility and grants.

How to Use the HDB Eligibility

Key Takeaways

  • This advisor asks a few short questions and returns a personalised recommendation.
  • All calculations run in your browser — no data is stored or sent to a third party.
  • Re-run the advisor with different inputs to compare scenarios side-by-side.

What It Does

The HDB Eligibility Advisor checks whether a household meets the eligibility requirements to purchase an HDB flat — covering Build-to-Order (BTO), Sale of Balance Flats (SBF), and resale HDB transactions — based on HDB's published eligibility schemes. You enter six inputs: citizenship status of each applicant (SC/PR/Foreigner), relationship status and scheme (Public Scheme, Fiancé/Fiancée Scheme, Single Singapore Citizen Scheme, Non-Citizen Spouse Scheme, or Joint Singles Scheme), ex...

Why It Matters

HDB eligibility is one of the most complex rule-sets in Singapore housing policy — and the consequences of misunderstanding it range from wasted application attempts to the forfeiture of CPF grants already disbursed. A first-time buyer couple where one party is a Permanent Resident (not SC) faces a different income ceiling, different grant eligibility, and different resale levy implications compared to an all-SC couple. A single SC applicant over 35 who previously received a CPF Housing ...

How It Works

  • Answer each question honestly — the recommendation is only as good as the inputs.
  • Review the weighted score breakdown to understand why each option ranks where it does.
  • Click through to the linked calculators or insights to dig deeper on any single factor.
  • Re-run with different inputs to see how sensitive the recommendation is to each answer.

Examples

SC/PR couple, first BTO application: eligibility and grant check

Inputs
Applicant 1
Singapore Citizen, age 29
Applicant 2
Permanent Resident, age 30
Scheme
Public Scheme (married couple)
Household income
$9,200/month combined
Existing property
None
Previous HDB ownership
None, no prior grants received
Results
BTO eligibility
Eligible — Public Scheme (SC + PR qualifies)
Flat type eligible
2-room Flexi up to 5-room (income below $14,000 ceiling)
CPF Family Grant
$50,000 (resale) / Not applicable (BTO — BTO uses EHG)
EHG eligibility
$5,000 (household income $9,200 — above $9,000 threshold, below $14,000)
Income ceiling warning
None — $9,200 is comfortably within ceiling

How to read this: The SC/PR couple qualifies for BTO under the Public Scheme. Their $9,200 combined income puts them above the $9,000 EHG threshold (maximum EHG is $80,000 for income ≤$1,500), so their EHG is $5,000 — the minimum band. If they can apply before a salary increase pushes them above $14,000, the income ceiling is not a near-term risk. The advisor flags that the PR co-applicant cannot be the primary applicant — only the SC can be — which affects which party's CPF OA is used for the purchase. This procedural detail is easy to miss in HDB's official guidelines but is surfaced clearly in the eligibility output.

Single SC, age 37, previous BTO ownership: resale levy and eligibility check

Inputs
Applicant
Single Singapore Citizen, age 37
Scheme
Single Singapore Citizen Scheme
Income
$5,800/month
Previous HDB ownership
Yes — owned a 4-room BTO previously with ex-spouse, sold after divorce
Prior CPF grants
Family Grant $50,000 received on previous flat
Current property
None (previously disposed)
Results
Eligibility verdict
Eligible — Single SC Scheme, age ≥ 35
Income ceiling (singles)
$7,000/month — $5,800 is within limit
Flat type allowed
2-room Flexi (singles can only buy 2-room BTO)
Resale levy (estimated)
$25,000 (second subsidised flat, previous 4-room)
Grant eligibility
No CPF Family Grant (single); EHG singles: $40,000 (income $5,800)

How to read this: The advisor surfaces two important facts: the $25,000 resale levy (because this is a second subsidised flat purchase after the previous BTO) and the restriction to 2-room Flexi only under the Single SC Scheme. Many single applicants planning a second BTO are unaware of the resale levy or assume it was waived after the previous flat was sold post-divorce. The $25,000 levy must be paid in cash at the point of BTO purchase and cannot be financed with CPF or the HDB loan. This single output from the eligibility advisor can materially change the financial planning for this purchase — building the levy into the savings timeline before applying.

Tips & Pitfalls

Expert Tips

  • Run the advisor twice — once with best-case assumptions, once with worst-case — to see the full range of outcomes.
  • Pair the recommendation with the relevant calculator below for the dollar-level detail.
  • Share the result with your spouse or financial planner before acting on a large commitment.

Common Pitfalls

  • Treating the score as a prediction — it is a decision framework, not a forecast.
  • Ignoring factors outside the model — school catchment, family plans, and lifestyle fit are not scored here.
  • Over-weighting a single input — change one answer and see how much the score moves before trusting it.

Frequently Asked Questions

Is my data saved?
No. All advisor calculations run entirely in your browser. Nothing is stored on our servers or shared with third parties.
How accurate is the recommendation?
The advisor uses transparent weighted scoring based on industry-standard heuristics. It is a decision-support tool, not financial advice — always verify with a licensed professional.
Can I save my results?
Log in to save scenarios to your dashboard, or use the share button to copy a URL that encodes your answers.

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Disclaimer: This advisor is a decision-support tool and is not financial, legal, or tax advice. Always verify results with a licensed professional before committing to a property transaction.