Eligibility checker
What property can you actually buy?
Singapore's housing rules are byzantine: HDB BTO, BTO singles, joint singles, resale, EC, private, landed, Sentosa Cove — each with different citizenship, age, income, and ownership rules. This checker walks you through them in one shot.
Eligibility summary
You may qualify for 7 schemes
Combined income: $12,000
HDB BTO (new flat)
✓ EligibleFamily scheme: at least one citizen + one citizen/PR fiancé/spouse, both ≥ 21. Income ≤ $14,000. No prior subsidised housing.
HDB BTO · Singles (2-room flexi)
✗ Not eligibleSG Citizen single, ≥ 35 years, household income ≤ $7,000. 2-room flexi only.
HDB BTO · Joint Singles
✗ Not eligibleTwo SG Citizen singles, both ≥ 35, combined income ≤ $14,000.
HDB resale (Family scheme)
✓ EligibleAt least one citizen + one citizen/PR. Married or fiancé. ≥ 21. No income ceiling unless using CPF Housing Grant.
HDB resale · Single Singapore Citizen scheme
✗ Not eligibleSG Citizen single, ≥ 35. No income ceiling (unless using grants).
Executive Condominium (new)
✓ EligibleFamily scheme + at least one SGC. Income ≤ $16,000. ≥ 21.
Executive Condominium (resale)
✓ EligibleAfter 10 years from TOP, ECs become privatised — anyone can buy (SGC/PR). Foreigners still cannot until 10 years.
Private condo / apartment
✓ EligibleAnyone can buy (SGC, PR, foreigner). ABSD applies for 2nd+ properties and foreigners (60%). HDB owners need to satisfy MOP first.
Private landed
✓ EligibleSGC: yes. PR: requires LDAU approval (rare, must reside ≥ 5y + make economic contribution). Foreigner: no, except Sentosa Cove via LDAU.
Sentosa Cove (foreigner-eligible)
✓ EligibleForeigners may buy landed at Sentosa Cove via LDAU approval (one residential property, owner-occupation only). Other landed not permitted.