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Understanding HDB Property

In the heart of Singapore’s urban landscape lies a unique sanctuary: HDB property. As a cornerstone of the nation’s public housing system, HDB properties provide a haven of affordability and quality for the majority of Singaporeans. But navigating the intricacies of these properties can be overwhelming. Are you struggling to understand the types of HDB properties, eligibility criteria, or the purchasing process? This guide unravels these complexities and more, offering you a comprehensive view of what it means to own an HDB property in Singapore.

At 9creation, we understand that securing an HDB property is just the beginning of your journey. The true challenge often lies in transforming these spaces into homes that reflect your personality and meet your needs. That’s why we offer comprehensive renovation and interior design services, tailoring every project to personalize your design preferences. Let us guide you through the maze of HDB property ownership and help you create a living space that you will cherish for years to come.

Through this guide, delve into the different types of HDB properties, understand the eligibility criteria, and master the purchasing process. Whether you’re a first-time homebuyer or looking to upgrade, this guide covers all the key considerations you need to know. And with 9creation by your side, you can effortlessly turn your HDB property into a stylish and functional home.


Key Takeaways

  • HDB properties are available in various types and sizes to suit different needs.
  • Eligibility criteria and application processes ensure fair distribution.
  • Understanding the HDB purchasing process and benefits can help potential buyers make informed decisions.


Types of HDB Properties

HDB offers a range of property types to cater to different family sizes and needs. These include Studio Apartments, 2-Room Flexi Flats, 3-Room Flats, 4-Room Flats, 5-Room Flats, and Executive Flats. Each type is designed to provide a comfortable living environment with modern amenities.

Studio Apartments

Studio Apartments are designed primarily for elderly citizens. These flats are compact and easy to maintain, making them ideal for seniors who prefer a simpler living space. They come with senior-friendly features like grab bars and non-slip flooring.

  • Size: 36 – 45 square meters
  • Suitable For: Elderly citizens
  • Key Features: Senior-friendly features, easy maintenance

2-Room Flexi Flats

2-Room Flexi Flats are popular among singles, young couples, and elderly residents. These flats offer flexibility in lease duration, ranging from 15 to 99 years, making them suitable for different life stages and financial plans.

  • Size: 36 – 45 square meters
  • Suitable For: Singles, elderly, young couples
  • Key Features: Flexible lease durations, compact living space

3-Room Flats

3-Room Flats are suitable for small families. They provide more space than 2-room flats, typically including a living room, kitchen, bathroom, and two bedrooms. These flats offer a comfortable living environment for families with one or two children.

  • Size: 60 – 65 square meters
  • Suitable For: Small families
  • Key Features: Two bedrooms, living room, kitchen

4-Room Flats

4-Room Flats are ideal for medium-sized families. With a larger living area, these flats typically include a living room, kitchen, bathroom, and three bedrooms. The additional space allows for greater flexibility in furniture arrangement and more comfortable living.

  • Size: 90 square meters
  • Suitable For: Medium-sized families
  • Key Features: Three bedrooms, larger living space

5-Room Flats

5-Room Flats are designed for larger families. They offer more extensive living space, typically including a living room, kitchen, bathroom, and four bedrooms. These flats provide ample space for families with multiple children or extended family members.

  • Size: 110 square meters
  • Suitable For: Large families
  • Key Features: Four bedrooms, ample space

Executive Flats

Executive Flats are the largest HDB flats available. They offer extensive living space and additional rooms, making them suitable for very large families or those who require extra space for home offices or hobby rooms.

  • Size: 130 square meters
  • Suitable For: Very large families, extra space needed
  • Key Features: Extensive living space, additional rooms

HDB Property Types and Sizes Table

Property Type Size (Square Meters) Suitable For Key Features
Studio Apartments 36 – 45 sqm Elderly citizens Senior-friendly features, easy maintenance
2-Room Flexi Flats 36 – 45 sqm Singles, elderly, young couples Flexible lease durations
3-Room Flats 60 – 65 sqm Small families Two bedrooms, living room, kitchen
4-Room Flats 90 sqm Medium-sized families Three bedrooms, larger living space
5-Room Flats 110 sqm Large families Four bedrooms, ample space
Executive Flats 130 sqm Very large families, extra space needed Extensive living space, additional rooms

This table provides a clear overview of the different types of HDB properties, their sizes, and their suitability for various family sizes and needs.


Eligibility Criteria

To purchase an HDB property, buyers must meet specific eligibility criteria, which include citizenship, age, income ceiling, and family nucleus requirements.


At least one applicant must be a Singapore Citizen, and the family nucleus must include at least one other Singapore Citizen or Singapore Permanent Resident.


Applicants must be at least 21 years old. For singles buying a 2-Room Flexi Flat, the minimum age is 35 years.

Income Ceiling

The total household income must not exceed the income ceiling set for the flat type. The income ceilings are designed to ensure that HDB flats remain accessible to those with lower and middle incomes.

  • 2-Room Flexi Flat: $7,000 per month
  • 3-Room Flat: $14,000 per month
  • 4-Room Flat: $14,000 per month
  • 5-Room and Executive Flats: $21,000 per month
Family Nucleus

Applicants must form a family nucleus, which includes families, couples, or singles buying under specific schemes. This ensures that flats are allocated to households in need of housing.


Eligibility Criteria Table

Criteria Details
Citizenship At least one Singapore Citizen; includes Singapore Permanent Residents in the family nucleus
Age Minimum 21 years (35 for singles buying 2-Room Flexi Flats)
Income Ceiling Varies by flat type; e.g., $14,000 for 4-Room Flats
Family Nucleus Must include families, couples, or singles buying under specific schemes

This table outlines the primary eligibility criteria required to purchase an HDB property, ensuring that potential buyers can quickly assess their eligibility.

The Purchasing Process

The process of purchasing an HDB property involves several steps, from checking eligibility to collecting the keys to your new home. Here’s a step-by-step guide to help you through the process.

Step 1: Check Eligibility

Ensure that you meet all the eligibility criteria mentioned above.

Step 2: Apply for a Flat

Submit an application during an HDB sales launch or via HDB’s website. Sales launches are announced periodically, and you can apply for flats in various locations.

Step 3: Participate in the Ballot

Applications are selected through a balloting process. The ballot determines the order in which applicants can select their flats.

Step 4: Select a Flat

If successful in the ballot, you will be invited to select a flat based on the available units. You will receive an appointment letter from HDB to choose your flat.

Step 5: Sign the Agreement for Lease

Once you have selected your flat, you will need to sign the Agreement for Lease and pay the downpayment. This agreement is a legally binding contract between you and HDB.

Step 6: Collect Keys

Upon completion of the flat’s construction (if applicable) and the necessary paperwork, you can collect the keys to your new home.

Purchasing Process Table

Step Description
Check Eligibility Ensure all criteria are met before applying
Apply for a Flat Submit an application during HDB sales launches or online
Participate in Ballot Applications are selected through a balloting process
Select a Flat Successful applicants are invited to choose a flat
Sign Agreement Sign the lease agreement and pay the downpayment
Collect Keys Collect the keys to your new flat upon completion

This table outlines the key steps involved in purchasing an HDB property, helping potential buyers navigate the procedure.

Grants and Assistance

Various grants and assistance schemes are available to help eligible buyers afford their HDB properties:

Enhanced CPF Housing Grant (EHG)

Provides up to $80,000 based on household income. This grant can be used for both new and resale flats, making homeownership more affordable for a broader range of income levels.

Family Grant

Offers up to $50,000 for first-time applicants buying a resale flat. This grant helps reduce the financial burden on families purchasing their first home.

Proximity Housing Grant (PHG)

Provides up to $30,000 for families purchasing a resale flat near their parents or children. This grant encourages extended families to live close to each other, promoting family support.

Grants and Assistance Table

Grant/Scheme Benefit Eligibility Criteria
Enhanced CPF Housing Grant Up to $80,000 based on household income First-time buyers, income ceiling, new and resale flats
Family Grant Up to $50,000 for first-time applicants buying resale flats First-time buyers, family nucleus
Proximity Housing Grant Up to $30,000 for buying near parents/children Buying resale flat near family members

This table summarizes the key grants and schemes available to HDB property buyers, highlighting the benefits and eligibility criteria for each.

Key Considerations

When planning to purchase an HDB property, consider the following factors to ensure a smooth process and long-term satisfaction:


The location of the HDB property is crucial. Consider proximity to your workplace, schools, amenities, and family members. Research the neighborhood to understand its future development plans and potential for growth.

Flat Size

Choose a flat size that meets your current and future needs. Consider family growth, lifestyle changes, and space requirements. Assess the number of bedrooms, bathrooms, and overall living space.


Assess your financial situation, including the downpayment, monthly mortgage, and other related costs. Ensure you are within the income ceiling for the flat type you desire. Take into account additional expenses such as renovation costs, property taxes, and maintenance fees.

Market Conditions

Stay informed about current market conditions. Factors such as demand, supply, and economic conditions can affect property prices. Understanding the market can help you make a well-timed and informed purchase.

Resale Value

Consider the potential resale value of the HDB property. Factors such as location, flat size, and market trends can impact the property’s value in the future. Investing in a desirable location can yield higher returns.

Key Considerations Table

Consideration Description
Location Proximity to work, schools, amenities, and family
Flat Size Number of bedrooms, bathrooms, and overall living space
Budget Downpayment, mortgage, renovation costs, property taxes
Market Conditions Demand, supply, economic factors affecting property prices
Resale Value Potential future value based on location and market trends


This table outlines the key considerations for purchasing an HDB property, helping potential buyers make informed decisions.


HDB properties are an integral part of Singapore’s housing landscape, offering a range of affordable options for various household needs. By understanding the types of properties available, eligibility criteria, purchasing process, and available grants, potential buyers can make informed decisions about their housing options. Whether you are a first-time buyer or looking to upgrade, HDB properties provide a variety of choices to suit your lifestyle and budget.