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Foreigners are not eligible to buy any HDB flats in Singapore, but they are able to buy ECs which are at least 10 years old. Thus, Singapore citizens who are singles are able to purchase either new or resale flats, but when it comes to getting BTO, they face the limitation of being able to buy only 2-room Flexi BTO units in all locations classified as Standard, Plus and Prime.

As for resale flats, there are no restrictions on the size or location for resale flats. Singapore citizens, with another owner or occupier who is also a Singapore citizen. For more details on the citizenship eligibility, you may refer to HDB's website here. There are several differences in terms of restrictions, income ceiling and other factors when comparing across the three types of properties that you can purchase as a single or with another single.

Take a minute to fill up a simple form and our mortgage specialists will get back to you on our special rate! Only available to Moneysmart customers. Grants can be really helpful to lighten your financial burden of paying off your home loans, but your age does play a huge factor in your chances of getting these grants.

Our monthly income tends to increase with our age and there may be a likelihood that you might not be eligible for grants to buy an HDB flat due to your income having exceeded the requirement. Whether you may or may not be getting married in the near future, or if your current co-flat owner may need to change the ownership status of the flat, due to a change in their family circumstances, such as marriage or demise of an owner, etc.