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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

Thumbnail Image for Toa Payoh Crest - #1
Toa Payoh Crest

Lorong 1 Toa Payoh · D12 HDB · 2018

$817 - $817 psf

Thumbnail Image for Rivervale Plains - #1
Rivervale Plains

Rivervale Street · D19 HDB · 1999

$294 - $411 psf


Latest HDB news

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Living on a top-floor unit: 5 potential issues that you hardly hear about

Many of us dream of living on the top floor, waking up to unblocked views every day. Given where they’re situated, these units also tend to be more breezy, bright and feel more spacious due to the higher ceiling height. These are reasons why top-floor units, including penthouses, tend to be the most expensive units…

Oct 11, 2022 · 6 min read · by Virginia Tanggono

#Condo#Condo Stories & Insights#HDB#HDB Stories & Insights#Property News#condo#hdb

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Selective Enbloc Redevelopment Scheme (SERS)

Every day, 99.co picks a piece of property jargon to explain it. Today we look at the Selective En-bloc Redevelopment Scheme (SERS), which is what everyone hopes for in their HDB estate. SERS represents a sad moment – for the one nostalgic guy in the neighbourhood. Everyone else is popping the champagne, because it means…

Oct 04, 2022 · 9 min read · by Ryan Ong

#Financial News#Property Jargon#Property News#99-year#hdb#SERS#singapore

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Sale of Balance Flats 2022 – What you need to know about HDB’s Sale of Balance Flats (SBF) in 2022

There’s a third option available in the public housing market - Sales of Balance Flats. We break down what exactly these flats are.

Sep 19, 2022 · 11 min read · by Elizabeth Tan

#HDB#HDB BTO#Property News#hdb#hdb sbf#Sale of balance flats#sbf flats

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See all HDB news

HDB guides

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Subletting HDB flats? These 5 assumptions could land you in trouble.

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

Jul 23, 2022 · 6 min read · by Lynette Tan

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HDB Resale: ALL you need to know to buy your dream flat

If you are a first-time homebuyer in Singapore who has already made the decision on picking an HDB flat, you’re probably deciding between getting a BTO or a resale flat. And if you’re reading this, chances are you’ve already made the decision to go with the resale flat route, so here’s a step-by-step guide for…

Jul 13, 2022 · 11 min read · by Kyle Leung

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HDB resale grants: How much can you get? [2022 Edition]

Buying a HDB resale flat 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 S$12,000 to S$14,000 and launched the new Enhanced Housing Grant (EHG). This enables more resale buyers to qualify for housing grants…

Jun 27, 2022 · 12 min read · by Eliza Hamizah

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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…

Dec 27, 2021 · 7 min read · by Ryan Ong

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Latest HDB flats for Sale

All HDB flats for Sale
Thumbnail for 1184 sqft 3 Beds hdb for sale in 262A Compassvale Street - #1

HDB 5 Rooms for Sale

$665,000

262A Compassvale Street

3 Beds 2 Baths 1184 sqft

Thumbnail for 1484 sqft 4 Beds hdb for sale in 411 Tampines Street 41 - #1

HDB 5 Rooms for Sale

$720,000

411 Tampines Street 41

4 Beds 2 Baths 1484 sqft


Latest HDB flats for Rent

All HDB flats for Rent
Thumbnail for 1216 sqft 3 Beds hdb for rent in 259C Punggol Field - #1

HDB 5 Rooms for Rent

$4,200/mo

259C Punggol Field

3 Beds 2 Baths 1216 sqft

Thumbnail for 1248 sqft 3 Beds hdb for rent in 971 Hougang Street 91 - #1

HDB 3 Rooms for Rent

$3,999/mo

971 Hougang Street 91

3 Beds 2 Baths 1248 sqft


FAQs about HDBs in Singapore

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 PR buy an HDB Flat?

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A PR can only buy a subsidised flat directly from HDB under the Build-To-Order (BTO), Sale of Balance Flats (SBF) or Open Booking schemes if he or she is buying with a Singapore citizen. Though there are more details that you would need to know which you can refer to our Can a Singaporean PR buy an HDB Flat article today!

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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HDB Directory

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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