Singapore / HDB Eligibility
HDB Eligibility Checker
Start your first flat with a clear yes.
See which flats, grants and loans your household can apply for before you request your HDB Flat Eligibility (HFE) letter, and when your MOP ends.
The informed home buyer- $16,000
- Family income ceiling
- $8,000
- Singles income ceiling
- 5 or 10 yrs
- Minimum occupation period
HDB · Revised ceilings from 24 Aug 2026
Make it yours
What can you apply for?
Answer a few questions. We’ll check each HDB scheme against the latest rules.
About you
HDB ceiling from 24 Aug 2026: $16,000. Includes all listed applicants.
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Your HDB eligibility
5 of 5
schemes you are likely eligible for, before HDB assesses your HFE letter
New flat from HDB (BTO / SBF): likely eligible
Standard, Plus and Prime flats, up to 5-room.
Resale flat with CPF housing grants: likely eligible
Use the grant calculator to see your amount.
Resale flat without grants: likely eligible
No income ceiling for resale flats bought without grants.
HDB housing loan: likely eligible
Up to 75% loan-to-value, subject to the 30% MSR. You can take up to two HDB loans.
New executive condominium (EC): likely eligible
Families with an SC applicant. A resale levy applies to second-timers.
When does my MOP end?
The minimum occupation period (MOP) starts on the day you collect your keys.
Enter your key collection date to see your MOP end date.
What decides your HDB eligibility
HDB looks at four things: citizenship, age, household income and whether you own or recently sold private property. First-timers also get priority in BTO ballots. The official rules are on HDB's eligibility page.
Next steps once you are eligible
See how much you can get with the CPF housing grant calculator, then work out what you can borrow with the HDB loan calculator and plan the payments with the BTO down payment calculator.
Good to know
Frequently asked questions
Free consult
Your numbers are ready. Let's pressure-test them.
Bring these results to a 15-minute call. We'll confirm your eligibility and shortlist the sharpest bank packages for your situation — no obligation.
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- MSR CalculatorYour Mortgage Servicing Ratio limit for an HDB flat or new EC, and when it binds instead of TDSR.
- Pledge & Show Funds CalculatorHow much to pledge or show to close a loan shortfall from MSR or TDSR.
- Income Required CalculatorThe monthly income you need to qualify for a given property price.
- BTO Down PaymentWhat you pay at lease signing and key collection, split by cash and CPF.
- Home Protection SchemeWho needs HPS, what it covers, and how it compares with mortgage insurance.
- EC First-Timer CalculatorEC down payment and loan instalment under NPS or DPS, plus your bridging loan.