What is the HDB Fiance/Fiancee Scheme?
The Fiancé/Fiancée Scheme allows couples to purchase an HDB flat together as a family unit before officially marrying.
Eligible applicants can benefit from various grants, such as the Enhanced CPF Housing Grant (EHG), Family Grant, Proximity Housing Grant (PHG), and Half-Housing Grant.
Related article: HDB grants for couples – Quick guide (with updated infographic) to resale HDB and BTO grants for couples
What are the eligibility requirements for the HDB Fiance/Fiancee Scheme?
The eligibility requirements for HDB BTO and HDB Resale through this scheme are as follows:
- Age: To be eligible for HDB BTO, applicants must be at least 21 years old or above.
Applicants below 18 years old can still apply for HDB Resale if they provide a Special Marriage Licence verification.
- Citizenship: For HDB BTO, at least one owner must be a Singapore Citizen (SC). The other partner can be either another SC or a Singapore Permanent Resident (SPR).
In the case of HDB Resale, SPR couples are eligible to purchase a resale flat, provided they have held SPR status for a minimum of 3 years.
- Ethnic Integration Policy (EIP) and SPR Quota: Couples must indicate their racial group during the application process, and HDB will offer flat options based on the available ethnic quota. The SPR quota is not applicable for BTO applications.
For HDB resale flats, couples must fulfill both the EIP and SPR quota for the block or neighbourhood they are applying to.
- Income ceiling: The income ceiling depends on the flat type.
For 3-room flats, it is either S$7,000 or S$14,000 (depending on the project). For 4- and 5-room flats, the income ceiling is S$14,000. Extended & multi-generation (3Gen) flats have an income ceiling of S$21,000.
On the other hand, there is no income ceiling when applying for a resale flat.
- Family nucleus: In both HDB BTO and HDB Resale, the applicant’s fiancé or fiancée must be listed in the application as a co-applicant (if 21 years old or above) or an occupant.
- Property ownership: For HDB BTO flats, applicants must not own any other property abroad or private properties locally. They must not have sold any private properties (local or overseas) within the last 30 months.
Additionally, they cannot invest in or purchase any other property from the date of the flat application until after the 5-year Minimum Occupation Period (MOP).
Furthermore, applicants must not have previously bought an HDB, Design, Build and Sell Scheme (DBSS) flat or an Executive Condominium.
In the case of HDB Resale, applicants who own other HDB have to sell them within six months of the key collection of the resale flat purchase.
As of September 2022, if they own private property, they must sell the private property and wait for 15 months prior to the HDB resale purchase application. There are exceptions if they are 55 years old and above – and are buying a 4-room or smaller HDB resale flat – then the 15-month wait-out period would not apply.
Recommended article: When Love Ends: What Happens to the HDB Flat When Couples Split?
The information provided was accurate at the time of publication. For the latest changes and updates, you can check the official websites.
