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Singapore HDB Directory

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Discover HDB estates in Singapore

Housing Development Board (HDB) flats are subsidised public housing for Singaporeans. Over 80 per cent of Singaporeans live in HDB Flats making HDBs the most common type of property in Singapore. These are issued by the state on 99-year leaseholds, and the value of the home depends on the inherent utility value of the property (size, type, location). Property buyers in Singapore can fund the purchase of a development board flat with a bank loan, a loan from the HDB, with cash, or with funds drawn from the CPF. Additionally, the development board prohibits Singaporeans from owning more than two residential units at any time. In the case of an inherited flat, ownership is only allowed if the inheritor disposes of their existing private or public residential property within six months of inheriting it.

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See all 27 HDB estates

Popular HDB projects in Singapore

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Toa Payoh Crest

Lorong 1 Toa Payoh · D12 Unknown

$817 - $817 psf
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Rivervale Plains

Rivervale Street · D19 Unknown · 1999

$294 - $411 psf

Latest HDB news

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Govt looking to limit resale prices of prime location BTO flats, says Minister

New HDB Build-To-Order (BTO) flats in Singapore’s prime locations, such as the upcoming the Greater Southern Waterfront, may come with “cooling measures” that limit resale prices, said National Development Minister Desmond Lee. He told Lianhe Zaobao on 29 November that he feels that the ‘lottery effect’ of well-located HDB flats, which could result in “windfalls”...

13:01 PM · by Kyle Leung

#Property News#Greater Southern Waterfront#HDB policy#HDB resale price#Mature estates#hdb#prime location

Two-room BTO flats are hitting the resale market for the first time. Here’s where to find them

Not long ago, it was nearly impossible to find a two-room BTO flat on the resale market. There’s actually a simple reason for this: It was only in 2006 that HDB began building new two-room flats as part of its Build-to-Order (BTO) exercise, with 86 units at Sengkang’s Fernvale Vista. Up until 2013, two-room BTO...

Nov 25, 2020 · by Kyle Leung

#Property News#HDB resale#MOP#hdb#resale#two-room

HDB Nov 2020 BTO In-Depth Review: Tengah (Garden Court + Garden Terrace @ Tengah)

[This article has been updated with additional project information from HDB on 17 November 2020. The Nov 2020 Tengah BTO sites will be named Garden Court @ Tengah and Garden Terrace @ Tengah.] The upcoming HDB November 2020 Build-to-Order (BTO) sales exercise will feature five projects comprising a total of 5,770 units. The Tengah BTO is...

Nov 14, 2020 · by Kyle Leung

#Property News#BTO launch#bto#hdb#hdb tengah#nov 2020 bto#tengah bto

See all HDB news

HDB guides

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9 questionable HDB rules you probably didn’t know about

Although most Singaporeans live in HDB flats, their knowledge of HDB rules is probably limited to a few more prominent ones, such as the Minimum Occupancy Period (MOP). But it’s the rules HDB owners don’t commonly know that can come back to haunt them. Here’s what the rules are, and what you need to know...

Jul 12, 2018 · by Ryan Ong

In 2020, we know you won’t make money from HDBs. Now what?

By the time you’ve read this, everyone from the government to property agents would have told you that HDBs are not assets meant to appreciate or be traded like bitcoin. Instead, they will remain affordable housing for the masses – and they will stay that way for the forseeable future. With this in mind, as...

Dec 23, 2019 · by Ruiming He

Subletting HDB flats? These assumptions could land you in trouble.

Home owners subletting HDB flats should familiarise themselves with rental regulations as flouting them has serious consequences.

Jun 07, 2020 · by Lynette Tan

HDB Resale Grants: How much can you get?

Buying a HDB resale flats comes with its perks–one of it being the generous HDB resale grants you can qualify for. In 2019, HDB raised the income ceiling for the CPF Family Grant from $12,000 to $14,000 and launched the new Enhanced Housing Grant (EHG), which enable more resale buyers may qualify for housing grants...

Jun 14, 2020 · by Eliza Hamizah


Latest HDB flats for Sale

All HDB flats for Sale
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HDB 4 Rooms for Sale

$450,000
355 Tampines Street 33

3 Beds 2 Baths 1151 sqft

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HDB 3 Rooms for Sale

$458,000
226A Compassvale Walk

2 Beds 2 Baths 1098 sqft


Latest HDB flats for Rent

All HDB flats for Rent
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for Rent

$1,500/mo
111 Woodlands Street 13

1 Bed 1 Bath 350 sqft

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for Rent

$2,400/mo
202 Compassvale Drive

3 Beds 2 Baths 925 sqft


Frequently Asked Questions

Who can buy a Resale HDB?
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There are 5 specific eligibility schemes that you are required to qualify for at least one in order to purchase a Resale HDB.
    1. Public Scheme - for those looking to buy a flat with a family member
    2. Fiance/Fiancee Scheme - for those looking to buy a flat with a fiance/fiancee
    3. Single Singapore Citizen Scheme - for Single Singapore Citizens over the age of 35 on their own
    4. Joint Singles Scheme - for a group of Single Singapore Citizens over the age of 35 looking for a shared space 
    5. Non-Citizen Spouse Scheme - if your spouse is not a Singaporean Citizen or Permanent Resident (PR) 
There are also two other eligibility conditions that apply to all the above schemes:
    1. Income Ceiling  While there are no income ceilings that prevent you from purchasing a Resale HDB Flat, it will play a role when applying for CPF Housing Grants and HDB Loan
    2. Ownership of other properties (HBD/Private/Overseas)
    -  If you own another HDB flat, a private or overseas property, you are required to dispose of them within 6 months of your resale flat purchase transaction
Check out our Guide for buying an HDB Resale Flat
Can a single buy a Resale HBD?
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Yes, if you’re a Singapore Citizen over the age of 35! Under the Single Singapore Citizen Scheme or the Joint Singles Scheme, a Singapore Citizen over the age of 35 can purchase a Resale HDB Flat either alone or with a group. Check out our HDB options for singles in Singapore
Can a person own 2 HDBs?
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No, if you own an HDB flat prior to your application to purchase another one, you are required to dispose of your previous property within 6 months.
What is the maximum HDB Loan?
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The HDB Concessionary Loan (HDB Loan) depends on the total income that you are earning. The loan amount depends on your combined income and a maximum cap of 30% of your gross monthly income that can go into home loan repayments. (Full details on HDB Loan) For an HDB Loan Estimate or an HDB Loan Calculator you can visit the HDB website to find out the full amount you will receive if you apply for the HDB Loan
How much is the downpayment for an HBD?
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The amount of downpayment for your HDB depends on a few factors:
    -  Taking an HDB housing loan - 10% of the purchase price
    -  Not taking any housing loan - 10 % of the purchase price
    -  Taking a bank loan - 20% of the purchase price 
For more details like repayment methods, head to the HDB website for more details
Should I rent out my HDB Resale Flat?
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Another question that requires a complicated answer. Certainly, there are reasons for one to rent out their HDB Flat instead of living in it. Here is an account of someone successfully renting out their HDB Flat and may provide an answer for you.
BTO vs Resale… which is better?
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It really depends on your income level and financial situation as well as what you’re looking for. If you’re looking for an in-depth analysis, read our BTO vs Resale Guide for first time property buyers.
What is MOP (Minimum Occupation Period)?
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The MOP is the period of time you are required to physically occupy your HDB flat before you can sell it on the open market. When you buy an HDB flat, you are subject to a five-year MOP. During this period you are not allowed to: 
    1. Sell your flat (except back to HDB for special reasons)
    2. Rent our your whole flat (renting rooms is okay)
    3. Purchase a private property
MOP begins from the date of key collection and you must be residing in your flat to fulfill the MOP.
Does the MOP apply for Resale HDB?
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MOP does apply to Resale HDB flats purchased on the open market. The only exception is for 1-room flats. For all Resale HDB flats that 2-room flats or bigger, the MOP is also 5 Years.
What is the commission that I should be paying for my HDB Resale Flat Purchase?
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The amount of commission depends on the number of agents involved (whether there is the Landlord’s (Seller) Agent and the Buyer’s (Tenant) Agent) and the type of property that is being transacted upon. Whether you’re buying or renting, there are no fixed rules and everything is negotiable. 
If you’re interested you can read our detailed guide on agent commission for a deep-dive on this issue. 

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Discover the best way to find Singapore Property on 99.co where you can begin your search for your ideal HDB flat. Browse through our HDB directory and find thousands of HDB properties for Sale and HDB properties for Rent with each listing filled with detailed information, maps and photos. Dive into our extensive library of HDB guides and news to find all information you need when purchasing an HDB flat or factors to focus on when choosing between different HDB apartments. Find your dream home on Singapore’s most intelligent property portal, 99.co. 
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