Frequently Asked Questions
Identity Cards (If you are employed, or serving National Service under the Armed Forces/ Civil Defence/ Police Force, you must provide a certified true copy of your Singapore pink/blue identity card from your Personnel Department or Passport for non-citizens.
Birth certificates of your children (If applicable).
Your birth certificate and your parents' marriage certificate if you are buying a flat under the Multi Generation Priority Scheme or Married Child Priority Scheme.
Marriage certificate, if you are married, or divorce certificate if you are divorced, or death certificate of spouse if spouse is deceased.
Student Pass or Letterfrom School for persons who are 18 years old and above.
Income documentsfor assessment of income ceiling to buy a flat, and if taking Additional CPF Housing Grant (AHG) or Special Housing Grant (SHG).
Always have a backup unit.
A valid HDB Loan Eligibility Letter (HLE) if you are taking a housing loan from HDB.
Yes, you will need to pay Option fee upon booking of your unit, the amount are as follows:
|Flat Type||Option Fee|
|4/ 5-Room and Executive Flat||$2,000|
|2-Room Flexi flat||$500|
The amount to pay depends on whether you are:
- Taking an HDB housing loan
- Not taking any housing loan
- Taking a bank loan
|Type of Loan (If Applicable)||Downpayment||Mode of Payment|
|Taking an HDB housing loan||10% of the purchase price||CPF and/ or cash|
|Not taking any housing loan||You can use your CPF Ordinary Account (OA) savings to make the downpayment in full. If the CPF OA amount is insufficient, the balance is to be paid in cash.|
|Taking a bank loan||20% of purchase price for loan ceiling of 75%|
|20% of purchase price for loan ceiling of 55%|
CPF housing grant(s) recipients
You will have to pay at least 5% of the purchase price using your CPF and/or cash when the CPF housing grant(s) that you qualify exceed 95% of the purchase price of the flat. Excess housing grant(s), if any, can be used to pay for OCS items and premiums that singles and Singapore Citizen/Singapore Permanent Resident households have to pay, before being credited into your CPF SA/RA and MA accounts.
|Type of Fee||HDB’s Role|
|HDB acts for you in the purchase and mortgage*||HDB acts for you in the purchase only||HDB acts for you in the mortgage only||HDB is not acting for you|
|Lease In-Escrow Registration Fee||Y||Y||N||N|
Mortgagee solicitors’ bill (Only payable if you you are taking a housing loan loan from a bank)
* Applies if you take a housing loan from HDB
There are 2 types of registration fees:
- Lease In-Escrow registration fee of $38.30 (fixed amount): Paid if HDB acts for you in the flat purchase
- Mortgage In-Escrow registration fee of $38.30 (fixed amount): Paid if HDB acts for you in the mortgage
The survey fee amount is based on your flat type. Please note that the survey fee is subject to GST.
|Flat Type||Survey Fee (Before GST)|
Calculation of stamp duty on Deed of Assignment.
The stamp duty on Deed of Assignment is payable if you are taking a housing loan. It is calculated at 0.4% of the loan amount, subject to a maximum of $500.