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HDB Website - Coggle Diagram

- - - - Types of Flats
        
        2-room flexi
        
        36 & 45 sqm
        
        3-room
        
        60 - 65 sqm
        
        4-room
        
        90 sqm
        
        5-room
        
        110 sqm
        
        3Gen
        
        115 sqm
        
        Executive
        
        130 sqm
      - Design Features
        
        Optional Component Scheme (OCS)
        
        sanitary fittings and internal doors
        
        floor finishes for living, dining, bedrooms
        
        Prefabricated Prefinished Volumetric Construction (PPVC) flats
        
        full floor finishes
        
        internal doors
        
        sanitary fittings
      - Modes of Sale
        
        Build-To-Order (BTO)
        
        first timer applicants have more allocation
        
        Priority Schemes
        
        Parenthood Priority Scheme (PPS)
        
        Married Child Priority Scheme (MCPS)
        
        Assistance Scheme for Second-Timers (Divorced/Widowed Parents)
        
        Senior Priority Scheme
        
        Ballot distributions
        
        Sale of Balance Flats (SBF)
        
        Open Booking of flats
        
        twice a year
        
        Distribution of BTO flats according to schemes
        Additional ballot chances after 2 unsuccessful applications
        
        Design,Build and Sell Scheme (DBSS) Flats
        
        built and sold by private developers, with better designs and finishes
        
        Executive Condominiums (ECs)
        
        TOP within last 10 years - SC or SPR
        TOP more than 10 years - SC, SPR, Foreigner, Corporate Bodies
        If you own a HDB, you must have met the MOP
      - Eligibility
        
        HDB Flat
        
        2-Room Flexi
        
        Design,Build & Sell Scheme (DBSS) Flat
        
        Executive Condominium (EC)
        
        Priority Schemes
        
        Check your eligibility
      - Sales Launches
      - Finance
        
        Cost and Fees
        
        Deferred Income Assessment
        
        Housing Loan from HDB
        
        Eligibility Conditions
        
        HDB Loan Eligibility Condition
        
        Income Guidelines and other Conditions
        
        More information on your HDB Housing Loan
        
        Contra payment facility for new flats
        
        Housing Loan from Banks
        
        Planning
      - Schemes and Grants
        
        CPF Housing Grants for HDB Flats
        
        First Timer
        
        Enhanced Housing Grant (EHG)
        
        Grant Amount up to $80,000 depending on household income
        
        Average Gross monthly household income for the previous 12 months not exceed $9,000
        
        All co-applicants must be first timers
        
        you and spouse / fiancee must have worked 12 months prior to application
        
        must still be working when the application is submitted
        
        eligibility possible for deferred income assessment
        
        Remaining lease
        
        more than 20 years
        
        sufficient to cover the youngest buyer up till the age of 95 to qualify for the full EHG, otherwise it will be pro-rated
        
        EHG applies to Resale?
        
        Co-applicants
        
        must not own or have disposed of any such properties in the last 30 months of new flat application any private residential property, house, building or land locally or overseas.
        
        Tiered according to Average Monthly Income assessed the prior 12 month period.
        
        ranges from $5,000 - $80,000
        
        Before Sep 2019 Sales Launch,
        
        Additional CPF Housing Grant (AHG)
        
        Special CPF Housing Grant (SHG)
        
        Second Timer
        
        Step-Up CPF Housing Grant
        
        Grant Amount $15,000
        
        Grant will be fully credited into the CPF Ordinary Accounts of eligible SC Applicants
        
        Before May 2019 sales exercise - 3 room flat in non-mature estate
        After May 2019 sales exercise - 2 room flexi or 3 room flat in non-mature estate
        
        Current flat has to be
        
        a 2-room subsidised flat in a non-mature estate
        
        bought from HDB after Oct 1995
        
        or resale with CPF Housing Grant
        or
        
        public rental flat
        
        can do this specialising in 2/3 room flats in non-mature estates
        
        Income ceiling $7,000
        
        May 2019 - 10 Sep 2019 Income ceiling $6,000
        
        Co-applicants must be working continuously for 12 months prior to flat application
        
        still be working at time of application
        
        Remaining lease of flat 20 years or more
        
        Recipients of grant
        
        Sole SC applicant - Full Grant
        
        Joint SC applicant - half of full grant each
        
        Multi-nuclei SC applicants - max of 2 applicants who are husband and wife and current owners of existing 2 room subsidised flat
        
        First Timer and Second Timer Couple Applicants
        
        Grant Amount - Up to $40,000 depending on household income
        
        1 Applicant is a first-timer
        
        Non-Citizen Spouse Scheme
        
        CPF Housing Grants for DBSS Flats
        
        CPF Housing Grants for ECs
        
        Staggered Downpayment Scheme
        
        Deferred Downpayment Scheme
        
        Temporary Loan Scheme
        
        Fresh Start Housing Scheme
      - Buying Process
      - My Nice Home Gallery