{"id":22182,"date":"2019-01-08T14:42:33","date_gmt":"2019-01-08T06:42:33","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=22182"},"modified":"2022-06-13T17:05:53","modified_gmt":"2022-06-13T09:05:53","slug":"hdb-schemes","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/hdb-schemes\/","title":{"rendered":"5 Important HDB Schemes Singaporeans Might have No Clue About"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p><span style=\"font-weight: 400;\">You\u2019re probably familiar with the HDB grants and schemes that you\u2019re eligible for when it comes to a straightforward BTO\/resale situation\u2026 but have you heard about lesser-known schemes such as the Staggered Downpayment Scheme?<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In this article, we walk you through 5 important HDB schemes that the average Singaporean knows nothing about. Read on to find out more!<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-22176\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/01\/hdb-schemes-cover-e1546504179814.jpg\" alt=\"hdb-schemes\" width=\"720\" height=\"481\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/01\/hdb-schemes-cover-e1546504179814.jpg 720w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/01\/hdb-schemes-cover-e1546504179814-150x100.jpg 150w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/p>\n<p><span style=\"font-weight: 400;\">(<\/span><a href=\"http:\/\/4.bp.blogspot.com\/-qRty1rI1gMk\/VaZj1VZCzVI\/AAAAAAAACYo\/XlNX618eMaI\/s1600\/hdb%2Bmount%2Bfaber.jpg\" rel=\"nofollow\"><span style=\"font-weight: 400;\">Credits<\/span><\/a><span style=\"font-weight: 400;\">)<\/span><\/p>\n<h3><b>#1: Staggered Downpayment Scheme<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">With the Staggered Downpayment Scheme, you can pay your downpayment in two separate instalments. You\u2019ll have to fork out half the amount when you sign the Agreement for Lease, and the second half will be collected when you get your keys. <\/span><i><span style=\"font-weight: 400;\">Sweet.<\/span><\/i><\/p>\n<p><b>Eligibility for the scheme: <\/b><\/p>\n<p><span style=\"font-weight: 400;\">The scheme is eligible to those who:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Are married (or engaged) and applying for a 2-, 3-, 4-, or 5-room BTO flat<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Are first-timer applicants (or a couple comprising a first-timer and second-timer), and <\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Submit their flat application on or before the younger applicant\u2019s 30th birthday<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">On top of that, flat owners who right-size to 2-room or 3-room flats in non-mature estates can qualify for the scheme as well.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read more about HDB\u2019s <\/span><a href=\"https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/new\/staggered-downpayment-scheme\" rel=\"nofollow\"><span style=\"font-weight: 400;\">Staggered Downpayment Scheme<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>#2: Deferred Downpayment Scheme<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Make sure you tell your folks and\/or grandparents about this one! The Deferred Downpayment Scheme helps elderly citizens who are right-sizing to defer the payment of downpayment until they collect their keys. This way, elderly flat owners need not worry about cash flow problems, even if their funds are tied up in their existing flat.<\/span><\/p>\n<p><b>Eligibility for the scheme:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">All flat buyers who are aged 55 years old and above, have booked a 2-room Flexi or 3-room uncompleted flat, and have not sold their existing flat at the point of new flat application are eligible. <\/span><b>This scheme will automatically be extended to buyers; buyers need not apply for the scheme.<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Read more about HDB\u2019s <\/span><a href=\"https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/new\/schemes-and-grants\/deferred-downpayment-scheme\" rel=\"nofollow\"><span style=\"font-weight: 400;\">Deferred Downpayment Scheme<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>#3: Fresh Start Housing Scheme<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Who says Singapore doesn\u2019t provide any support for the needy? HDB\u2019s Fresh Start Housing Scheme targets lower-income households currently living in public rental flats, and helps these households own a 2-room Flexi flat. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">These households will be assisted via the following measures:<\/span><\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-22175\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/01\/hdb-schemes-e1546504234670.png\" alt=\"hdb-schemes\" width=\"720\" height=\"520\"><\/p>\n<p><b>Eligibility for the scheme:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">The scheme is extended to second-timer families (ie: households who have previously taken up a housing subsidy) with young children. These families must be currently living in public rental flats, among other criteria. <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read more about HDB\u2019s <\/span><a><span style=\"font-weight: 400;\">Fresh Start Housing Scheme<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>#4: CPF Housing Grants for ECs<\/b><\/h3>\n<p><i><span style=\"font-weight: 400;\">\u201cAren\u2019t ECs for rich people? Nah, HDB won&#8217;t give you any money if you choose to buy an EC!\u201d<\/span><\/i><\/p>\n<p><span style=\"font-weight: 400;\">It\u2019s a common misconception that there aren\u2019t any grants applicable for ECs. if you\u2019re looking to purchase an EC, you might be eligible for the Family Grant and Half-Housing Grant. The former pays out up to $30,000, and the latter pays out a maximum of $15,000.<\/span><\/p>\n<p><b>Eligibility for the scheme:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">To be eligible for the Family Grant, both applicants need to be first-timers. In the case where both applicants are Singapore Citizens (SCs), the maximum household income is capped at $12,000. If one applicant is an SC and the other is a PR, the maximum income is capped at $11,000.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">In the case of a first-timer and second-timer couple (ie: one applicant is a first-timer, and the other is a second-timer), the couple may apply for the Half-Housing Grant. Only couples with a household income of $12,000 and below are eligible. \u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read more about HDB\u2019s <\/span><a><span style=\"font-weight: 400;\">Housing Grants For ECs<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<h3><b>#5: Temporary Loan Scheme<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The Temporary Loan Scheme is pretty similar to the Deferred Downpayment Scheme, but it\u2019s applicable to homeowners of all ages. Under this scheme, you can apply for a temporary loan to complete your new flat purchase (while the sale of your existing flat is still underway). <\/span><\/p>\n<p><span style=\"font-weight: 400;\">Because your temporary loan counts as a mortgage of the new flat, it will be subsequently redeemed using the proceeds from the sale of your existing flat. This way, you can use the sale proceeds from your existing flat to pay for your new flat, without taking a long-term mortgage loan. <\/span><\/p>\n<p><b>Eligibility for the scheme:<\/b><\/p>\n<p><span style=\"font-weight: 400;\">Those who have:<\/span><\/p>\n<ul>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Booked a new flat, with the keys being ready for collection<\/span><\/li>\n<li style=\"font-weight: 400;\"><span style=\"font-weight: 400;\">Submitted an application to sell their existing flat<\/span><\/li>\n<\/ul>\n<p><span style=\"font-weight: 400;\">Will be eligible for the Temporary Loan Scheme, <\/span><i><span style=\"font-weight: 400;\">with the caveat that <\/span><\/i><span style=\"font-weight: 400;\">they must have sufficient CPF or cash proceeds from the sale of their existing flat to fully redeem the temporary loan.<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Read more about HDB\u2019s <\/span><a><span style=\"font-weight: 400;\">Temporary Loan Scheme<\/span><\/a><span style=\"font-weight: 400;\">.<\/span><\/p>\n<p><em>Have more questions regarding these schemes? Voice them in the comments section or on\u00a0<a href=\"https:\/\/www.facebook.com\/groups\/yourpropertycommunity\/\">our Facebook community page<\/a><\/em>.<\/p>\n<p>&nbsp;<\/p>\n<p>If you liked this article, 99.co recommends <a class=\"yoast-link-suggestion__value\" href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-sers-blocks-prediction\/\" target=\"_blank\" rel=\"noopener\">HDB SERS: Which blocks are most likely to benefit?<\/a> and\u00a0<a href=\"https:\/\/www.99.co\/singapore\/insider\/singaporean-homeowners-buying-property\/\">7 things Singaporean homeowners wish they knew before buying property<\/a>.<\/p>\n<p>Looking for a property? Find the home of your dreams today at Singapore\u2019s largest <a href=\"https:\/\/www.99.co\/?utm_source=blog%20main%20site%20conversion\">property portal 99.co<\/a>!<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>You\u2019re probably familiar with the HDB grants and schemes that you\u2019re eligible for when it comes to a straightforward BTO\/resale situation\u2026 but have you heard about lesser-known schemes such as the Staggered Downpayment Scheme? In this article, we walk you through 5 important HDB schemes that the average Singaporean knows nothing about. Read on to&hellip;<\/p>\n","protected":false},"author":36,"featured_media":22176,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[53631,53632,57131],"tags":[55241,53636,53659,55242],"persona":[],"class_list":{"2":"type-post","14":"entry","15":"has-post-thumbnail"},"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v25.7.1 (Yoast SEO v25.7) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>5 important HDB schemes Singaporeans might have no clue about<\/title>\n<meta name=\"description\" content=\"You\u2019re already familiar with BTO \/ resale HDB grants and schemes\u2026 but here are some less popular schemes that you probably don&#039;t know about!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-schemes\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"5 Important HDB Schemes Singaporeans Might have No Clue About\" \/>\n<meta property=\"og:description\" content=\"You\u2019re already familiar with BTO \/ resale HDB grants and schemes\u2026 but here are some less popular schemes that you probably don&#039;t know about!\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.99.co\/singapore\/insider\/hdb-schemes\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/99dotco\/\" \/>\n<meta property=\"article:published_time\" content=\"2019-01-08T06:42:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-13T09:05:53+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/01\/hdb-schemes-cover-e1546504179814.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"720\" \/>\n\t<meta property=\"og:image:height\" content=\"481\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Elizabeth Tan\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@99dotco\" \/>\n<meta name=\"twitter:site\" content=\"@99dotco\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Elizabeth Tan\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"4 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/hdb-schemes\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/hdb-schemes\/\"},\"author\":{\"name\":\"Elizabeth Tan\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/781501ab9603c262879f2afd5bb42d32\"},\"headline\":\"5 Important HDB Schemes Singaporeans Might have No Clue About\",\"datePublished\":\"2019-01-08T06:42:33+00:00\",\"dateModified\":\"2022-06-13T09:05:53+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/hdb-schemes\/\"},\"wordCount\":819,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/hdb-schemes\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/01\/hdb-schemes-cover-e1546504179814.jpg\",\"keywords\":[\"deferred downpayment\",\"hdb\",\"HDB flats\",\"hdb schemes\"],\"articleSection\":[\"HDB\",\"HDB Stories &amp; 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