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Executive Condominium (EC) Eligibility

You must meet the following conditions to buy an EC:

Citizenship

  • You must be a Singapore Citizen
  • Your family nucleus must comprise at least another Singapore Citizen or Singapore Permanent Resident.​

Age

  • You must be at least 21 years old at the time of application
  • If you are buying an Executive Condominium (EC) under the Joint Singles Scheme, you must be at least 35 years old

Family Nucleus

You must form a proper family nucleus under one of the following schemes:
Scheme
Family Nucleus
Public Scheme
You, the applicant, and;
  •  your spouse, and children (if any)
  •  your parents, and siblings (if any)
  • your children under your legal custody, care and control (for widowed/ divorced)
Fiance/Fiancee
  • You, the applicant, and your fiance/fiancee you need to solemnise your marriage and submit a photocopy of your marriage certificate to the developer within 3 months* of collecting your keys to the EC unit.
Orphan
  • You, the applicant, and your unmarried siblings
Non-Citizen Spouse
  • You, the applicant must be Singapore Citizen with Singapore Permanent Resident (PR) in order to purchase
You may buy a dual-key EC units offered by the developer if you form a multi-generation family as follows:
(i) Married couple with parents/grandparents
(ii) Fiancé and fiancée couple with parents/grandparents
(iii) Widowed/divorced with children and parents/grandparents
​

Income Ceiling

Your average gross monthly household income must not exceed $16,000. If your income exceeds $16,000, please contact us. We will assist and review your application on case by case basis.

Special Requirement for Undischarged Bankrupts

Undischarged bankrupts need to seek the Official Assignee (OA)’s consent if they are applying for an EC. However, they do not need to seek the OA’s approval to be listed as an occupier.

Ownership in Private Property

You, your spouse, any occupiers listed in the Application Form or their spouses must not own or dispose or have an estate or interest in any other flat, house, building or land*
  • Within 30 months before the date of application, and
  • Between the application date and the date of taking possession of the EC
* includes but not limited to:
  • HUDC flats (Privatised and Non-Privatised)
  • Properties acquired by gift
  • Properties inherited as beneficiaries under a will or as a result of the Intestate Succession Act
  • Private properties
  • Properties owned/acquired/disposed through nominees regardless of properties location

Owners/Ex-owners of HDB flats / DBSS flats / EC units

Each eligible Singaporean household can buy the following housing unit only twice:
  • a flat from the HDB;
  • a resale flat with the CPF Housing Grant*;
  • a DBSS flat from developer;
  • an EC unit from developer.
*Only applicable for first-timer applicants
If you have already bought two housing units, you will not be eligible to apply or be listed as an essential occupier in an application.

First-timer Applicants

You and the essential family members listed in the application for purchase of the flat must not:
  • Be the owners of a flat bought direct from HDB, a DBSS flat or an Executive Condominium bought from the developer
  • Have sold a flat bought direct from HDB, a DBSS flat or an Executive Condominium bought from the developer
  • Have received the CPF Housing Grant for the purchase of an HDB resale flat
  • Have taken other forms of housing subsidy (for example, benefitted under the Selective En bloc Redevelopment Scheme, privatisation of HUDC estate etc)

Higher Quota of the EC Supply for First-time Applicants during Initial Launch PeriodFrom 2 March 2012, the developers will set aside 70% of the supply for first-timers during the initial launch period.

Second-timer Applicants

You or the essential family members listed in your application have owned/sold or are currently owners of:
  • Any HDB flat that was bought from HDB, or
  • Any resale flat that was bought under the CPF Housing Grant Scheme, or
  • A DBSS flat or an EC bought from the developer, or
  • Have enjoyed other forms of housing subsidy (for example, enjoyed benefits under the Selective En bloc Redevelopment Scheme, privatisation of HUDC estate etc.)

Payment of Resale Levy second-timers who apply for new EC projects from Westwood Avenue onwards will have to pay a resale levy.
However, second-timers are not required to pay the resale levy if they apply to buy EC units in projects that were launched before 9 Dec 2013.
​More information on the tender launch dates for EC land sales can be found in the Residential Development List > Executive Condominium (EC).

MOP requirements: current owner/ essential occupier of a flat or an EC unit

Before applying for the new EC unit, you need to check if you or any other flat applicant(s)/ essential occupier(s) to be listed in the EC application own any of these:
  • HDB flat bought from HDB or on the open market
  • EC unit/ DBSS flat bought from the developer
If so, that person must have already met that flat/ EC’s 5-year MOP before he can apply for a new EC unit. An essential occupier must also have met the flat/ EC's 5-year MOP before he can be listed in a new EC application.
In the case of ECs, you must also wait out a 30-month period from the EC’s effective date of disposal, which we will verify using your Notice of Transfer, or any other such documentation we may require.

Type of Property Owned​
​

Time Period Before You Can Apply for a New EC​
​
  • HDB flat bought from HDB (BTO)
  • Resale flat bought with a CPF Housing Grant
  • DBSS flat bought from the developer
MOP of 5 years
  • EC bought from the developer
MOP of 5 years + 30 months from date of EC disposal

Existing Owner or Ex-Owner

Are you, your spouse or any of the essential occupiers listed in the application an existing owner or ex-owner of a:
  • Flat bought directly from HDB
  • DBSS flat bought from the developers
  • Resale flat bought under the CPF Housing Grant Scheme
If you belong to any of the above categories, you may apply to buy an EC on condition that a 5-year period (excluding any period of subletting of the whole flat) has lapsed from the *date of taking possession of the flat to the date of application for a new EC
* The date of taking possession refers to following dates (whichever is applicable):
  • Date of key collection, for flats that are bought direct from HDB
  • Date of resale completion, for purchase of resale flats from the open market bought with the CPF Housing Grant
  • Date of transfer at market value of the flat bought with CPF Housing Grant
  • Date of key collection for EC/DBSS flats bought from the developer

Ex-owners of an EC

Are you, your spouse or any of the essential occupiers listed in the application an ex-owner of an Executive Condominium bought directly from the developer? If yes, you would need to meet a 5-year period from the date of taking possession of the earlier Executive Condominium.
30-Month PeriodIn addition, you need to wait out a 30-month period from the effective date of disposal (i.e., date of legal completion of the sale of their Executive Condominium, evidenced by the Notice of Transfer or such other documentary evidence as HDB may require) of the Executive Condominium before you can apply to buy another Executive Condominium directly from the developer.

​Essential Occupiers

You or any person listed the application must not be currently listed as an essential occupier of:
  • An existing HDB flat bought directly from HDB,
  • A DBSS flat bought under the CPF Housing Grant Scheme, or,
  • A resale flat bought under the CPF Housing Grant Scheme
However, an essential occupier may apply or be included in an application only if he has stayed in the existing flat for 5 years from the *date of taking possession of the existing flat to the date of application for an EC.
* The date of taking possession refers to:
  • The date of key collection, for flats that are bought directly from HDB
  • The date of resale completion, for purchase of resale flats from the open market bought with the CPF Housing Grant
  • The date of transfer at market value of the flat bought with CPF Housing Grant
  • The date of key collection for Executive Condominium/DBSS flats bought from the developer, whichever is applicable.

Cancellation of Application After Booking a Flat

If you book a flat from the March 2012 Build-To-Order and Sale of Balance Flats Exercises onwards and subsequently cancel the flat booking, you will have to meet a 1-year period from the date of cancellation before you can apply or included as an essential occupier in an application for a:
  • new HDB flat
  • DBSS flat from developers
  • Executive Condominium unit from the developers
  • resale flat with CPF Housing Grant
  • resale flat that has been announced for SERS​

Divorcees

Within three years from the date of the divorce, only one party in the divorce can own one of the following housing units:
  • a flat bought directly from the HDB
  • a DBSS flat / EC bought directly from a private developer
  • a resale flat bought from open market under the CPF Housing Grant Scheme
If you have an existing matrimonial home, which is one of the above, and that home is retained by your ex-spouse, you may apply to buy or be listed as an essential occupier in any of the above housing unit only three years after your date of divorce.
However, this three-year wait out period will not apply if you are buying any of the above homes with your parents or a new spouse, or if you are buying a resale flat from the open market without the CPF Housing Grant.
If there is no matrimonial home or the matrimonial home was bought from the open market without any CPF Housing Grant, you may apply for any of the above housing units after you get your ex-spouse’s consent not to own or be listed as an essential occupier in any of the above housing units within the three-year period from the date of divorce.
The requirement for ex-spouse’s consent is waived if you are buying any of the above housing units with your parents or a new spouse or if you are buying a resale flat from the open market without the CPF Housing Grant.
The requirement to seek ex-spouse’s consent during the three-year period from the date of divorce is also waived if you meet the following conditions:
  • All your children are below 18 years old at the date of divorce; and
  • You have the legal custody of all your children and are also the only parent with the care and control of all your children.

Person Who Has Bought an EC/DBSS Flat with CPF Housing GrantA person who bought an EC or DBSS flat with CPF Housing Grant and terminated the Sale and Purchase Agreement may apply to buy an EC. However, this is allowed on the condition that a 5-year period has lapsed from the termination date of the Sale & Purchase Agreement of their earlier EC or DBSS flat purchase, to the date of application date for an EC. ​

More FAQ

What are the eligibility conditions ?
You and any other applicants and essential occupiers need to meet several eligibility conditions such as citizenship, age, income, and property ownership

Overview of eligibility conditions

Family nucleus
You will need to qualify for the EC under one of these eligibility schemes:
  • Public Scheme
  • Fiancé/Fiancée Scheme
  • Orphans Scheme
  • Joint Singles Scheme
Citizenship
  • You must be a Singapore Citizen
  • At least 1 other applicant must be a Singapore Citizen or Singapore 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
  • Your household income must not exceed the $14,000 income ceiling.
Property ownership
  • You do not own other 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​
Which eligibility scheme do i apply under ?
You can apply for a new EC under one of these eligibility schemes: Public Scheme,Fiancé/Fiancée Scheme, Orphans Scheme and Joint Singles Scheme.
​
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)

No change of people listed in the application
Applications under this scheme are only valid if there are no changes to the people listed - you are not allowed to replace your parents’ names with that of a spouse, or vice versa.

If applying for a dual-key EC as a multi-generation family
A multi-generation family is any of the following:
  • Married/ engaged couple and parents/ grandparents
  • Widowed/ divorced with children and parents/ grandparents
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 us during the EC selection appointment.

No change of people listed in the application
Applications under this scheme are only valid if there are no changes to the people listed. That means that, in cases of break-up, you are not allowed to later put in the name(s) of a new spouse-to-be or of your parents in the application, even if the previous spouse-to-be agrees.

If applying for a dual-key EC as a multi-generation family
A multi-generation family is any of the following:
  • Married/ engaged couple and parents/ grandparents
  • Widowed/ divorced with children and parents/ grandparents

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.
​
Joint Singles Scheme
You and up to 3 other co-applicants, and all of you are:
  • Single (unmarried, divorced, or widowed)
  • Singapore Citizens
  • At least 35 years old
  • Applying jointly as co-applicants
The CPF Housing Grant for singles is not available when buying an EC.
​​
What is the income ceiling
  • Your average gross monthly household income must not exceed $16,000.
What income documents must i submit
To assess the average gross monthly household income for your EC application, you and any other applicants and essential occupier will need to prepare specific documents depending on your nature of employment. Also, please note that some forms of income/ allowance are not included when assessing your household income
​
Income documents to prepare
You and any other applicants and essential occupiers will need to prepare:
  • Latest 3 months’ payslips if employed full-time
  • 12 months’ of income documents for other employment types
  • Proof of unemployment if not working

​Specific documents are needed depending on your nature of employment. Also, please note that some forms of income/ allowance are not included when assessing your household income.
Aside from these documents, the developer may also request further documentation if needed.

1) Employed Person
  • Latest 3 months’ payslips, i.e. month of application and preceding 2 months
OR
  • Letter from employer certifying salaries for the month of application and the preceding 2 months; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation
Things to take Note
  • Assessment is based on the average gross monthly income, which:
    • Excludes bonuses and income earned from overtime work
    • Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc)
  • Notice of Assessment(NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted

2) Self-employed person
  • Latest NOA from IRAS or Statement of Annual Accounts certified by an audit firm 
ANDThings to take Note
  • Assessment is based on the average gross monthly income for the past 12 months

3) Part-time worker
  • Latest 12 months’ payslips
OR
  • Letter from employer certifying salaries for the last 12 months; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation
Things to take Note
  • Assessment is based on the average gross monthly income for the past 12 months ​

4) Commission-based person
  • Latest 12 months’ commission statements/ payslips
OR
  • Letter from employer certifying salaries for the last 12 months; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation
Things to take Note
  • Assessment is based on the average gross monthly income for the past 12 months ​
​
5) Odd job worker
  • Latest NOA from IRAS​
​AND
  • Previous year’s NOA from IRAS
​Things to take Note
  • Assessment is based on the average gross monthly income for the past 12 months ​

​ 6) 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
  • If unemployed for less than 3 months, the following documents are required:
    • Income proof for the preceding months from the previous employer stating their gross monthly income and last day of service
    • Latest 15 months’ CPF contribution history
Things to take Note
  • 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 not in Singapore, the Statutory Declaration can be made in the presence of a Commissioner for Oaths or Notary Public for that country

Income/ allowance that will be considered for the income ceiling
  • 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
  • Alimony allowance
  • Bonuses
  • Director fees
  • Income from overtime work income
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance

What if I am an undischarged bankrupt ?
You need to obtain the consent of the Official Assignee if you are applying for an EC. There is no need to do so if you are to be listed as an essential occupier.
Am I a first or second-timer applicant ?
A first-timer applicant is a person or household that has never received any form of housing subsidy, or similar benefit; a second-timer applicant is a person or household that has. If you are a second-timer and your spouse/ spouse-to-be is a first-timer, you as a couple will enjoy first-timer privileges and priority.

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 an HDB resale flat
  • Not taken any form of housing 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.

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 and essential occupiers:
  • Have owned or sold any of the following:
    • HDB flat bought from HDB
    • Resale flat bought using a CPF Housing Grant
    • 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 privatisation)
Are there any time periods during which I cannot apply for an EC?
Yes. There are instances where you may need to wait out a set time period before you can apply or be listed in the application for a new EC.

This usually happens when someone:
  • Has not yet met a current flat/ EC’s Minimum Occupation Period (MOP)
  • Is a divorcee
  • Has previously cancelled an HDB flat application or terminated the Sale and Purchase Agreement for a DBSS flat/ EC
​
MOP requirements: current owner/ essential occupier of a flat or an EC unit
Before applying for the new EC unit, you need to check if you or any other flat applicant(s)/ essential occupier(s) to be listed in the EC application own any of these:
  • HDB flat bought from HDB or on the open market
  • EC unit/ DBSS flat bought from the developer
If so, that person must have already met that flat/ EC’s 5-year MOP before he can apply for a new EC unit. An essential occupier must also have met the flat/ EC's 5-year MOP before he can be listed in a new EC application.
In the case of ECs, you must also wait out a 30-month period from the EC’s effective date of disposal, which we will verify using your Notice of Transfer, or any other such documentation we may require.

Type of Property Owned​
​

Time Period Before You Can Apply for a New EC​
​
  • HDB flat bought from HDB
  • Resale flat bought with a CPF Housing Grant
  • DBSS flat bought from the developer
MOP of 5 years
  • EC bought from the developer
MOP of 5 years + 30 months from date of EC disposal
Divorcee
In case of a divorce, conditions will apply for the following types of property:
  • Flat bought from HDB
  • Resale flat bought with a CPF Housing Grant
  • DBSS flat/ EC bought from the developer

3-year wait-out period
  • For 3 years from the date of the divorce, only 1 party in the divorce can own any of the above properties
  • If any of the above properties was the matrimonial home and is now owned by your ex-spouse, you must wait for 3 years before you can buy or be listed as an essential occupier in one
  • If the matrimonial home was not one of the above, or if there was no matrimonial home, 1 party can apply for the abovementioned property types. However, the other party must first undertake to not own or be listed as an essential occupier of said properties for 3 years from the date of the divorce

Exception
There is no need for any 3-year wait-out period or undertaking if you are:
  • Buying one of the above properties with your parents and/ or new spouse
  • A parent meeting these conditions:
    • ​All of your children are aged below 18 at the date of the divorce
    • All the children are under your legal custody and you are the only parent given the care and control of your children

Assistance
For flat applications, priority flat allocation can be given under our Assistance Scheme for Second-Timers(Divorced/Widowed Parents) (ASSIST)

Cancelled an HDB flat application after booking a flat
If you booked a new HDB flat and subsequently cancel your booking, you must wait out a 1-year period from the date of the cancellation before you can apply or be listed as an essential occupier of a:
  • New HDB flat
  • DBSS flat/ EC bought from a developer
  • Resale flat bought using a CPF Housing Grant
  • Resale flat announced for SERS

Terminated the Sale and Purchase Agreement for an EC/ DBSS flat
If you had previously bought a DBSS flat/ EC using a CPF Housing Grant and subsequently terminated the Sale and Purchase Agreement, you must wait out a 5-year period from the date of the termination before you can apply or be listed as an essential occupier of an EC.
Can I get a new EC flat if I used to/ still own or have full/ partial interest in a local/ overseas non-HDB property?
No, you may not. For an EC flat application, all the listed owners and essential occupiers must not own, dispose, or have an estate or interest in any other local or overseas property:
  • Within 30 months before the date of the EC application, and up to the date of taking possession of the EC
The properties considered in this instance include but are not limited to:
  • HUDC flats (privatised and non-privatised)
  • Properties acquired by gift
  • Properties inherited as beneficiaries under a will or as a result of the Intestate Succession Act
  • Private property
  • Properties owned, acquired, or disposed through nominees, regardless of properties’ location
Can I get a new EC if I used to/ still own an HDB flat, DBSS flat, or EC?
Yes, provided that you only own/ owned 1 of the following units prior to your application:
  • Flat bought from HDB
  • EC/ DBSS flat bought from the developer
  • HDB resale flat bought using a CPF Housing Grant (only applies to first-timer applicants)
In essence, an eligible Singapore Citizen is allowed to buy the above properties twice in total, not twice per type of property.
If you have already bought 2 such properties, you will not be eligible to apply for an EC or be listed as an essential occupier in an application.

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Working Hours

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Handphone

+65 97888300

Email

davetanproperty.era@gmail.com / tan_junhong@hotmail.com