{"id":42417,"date":"2021-08-24T10:07:10","date_gmt":"2021-08-24T02:07:10","guid":{"rendered":"https:\/\/www.99.co\/singapore\/insider\/?p=42417"},"modified":"2022-06-13T17:27:38","modified_gmt":"2022-06-13T09:27:38","slug":"lgbtq-guide-things-should-know-about-buying-hdb-flat","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/lgbtq-guide-things-should-know-about-buying-hdb-flat\/","title":{"rendered":"LGBTQ+ Guide: Things you should know about buying an HDB flat"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div><p>Many would agree that\u00a0 Singapore is leading the world in so many areas. However, one area it has much to catch up with is the attitude towards the LGBTQ+ community.<\/p>\n<p>With 80% of Singaporeans living in public HDB flats, it is probably the default home of choice for many LGBTQ+ individuals. Ask anyone in the community and most would mention buying a flat when they are 35 years old. Truth is, that is probably all they know. <a href=\"http:\/\/www.prident.co\" target=\"_blank\" rel=\"noopener\">PRIDENT<\/a>, a collective formed in 2020 has a group of LGBTQ+ professionals (myself included) volunteering to educate the LGBTQ+ individuals on the economic and well-being issues in Singapore. One very popular category is homeownership.<\/p>\n<p>Thanks to the invitation from 99.co, I&#8217;ll be sharing my articles on the topic of LGBTQ+ and homeownership.\u00a0 So let&#8217;s start with the subject of purchasing an HDB flat for an LGBTQ+ individual.<\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-18749\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2018\/07\/pink-guide-buying-renting-property-singapore-lesbian-gay.jpg\" alt=\"pink guide buying renting property singapore lesbian gay\" width=\"720\" height=\"480\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2018\/07\/pink-guide-buying-renting-property-singapore-lesbian-gay.jpg 720w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2018\/07\/pink-guide-buying-renting-property-singapore-lesbian-gay-600x400.jpg 600w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2018\/07\/pink-guide-buying-renting-property-singapore-lesbian-gay-440x294.jpg 440w\" sizes=\"(max-width: 720px) 100vw, 720px\" \/><\/p>\n<p><span style=\"text-decoration: underline;\"><b>PUBLIC HOUSING\u00a0 FOR LGBTQ+: A LITTLE HISTORY<\/b><\/span><\/p>\n<p>Housing for singles has come a long way since the 1970s. The Singapore government was first hesitant in extending public housing to single individuals because there was high demand for flats, and the priority went to families. Flat ownership for singles was deemed inconsistent with the government social policy of encouraging marriage and the preservation of the traditional family unit.<\/p>\n<p>Thankfully, the liberalisation of the housing policy towards singles came in Oct 1991, when it was announced that single Singaporeans aged 35 and above can purchase a flat from Housing and Development Board (HDB). And since then, 35 years became the \u2018unofficial\u2019 age for single adults to get a home of their own. The policy also became a \u2018leeway\u2019 for many LGBTQ+ Singaporeans to buy an HDB flat for the very first time.<\/p>\n<p>While HDB public housing remains to be the most affordable option for most Singaporeans, it comes with a lot of conditions. Knowing what one qualifies for is very important when planning to make an application.<\/p>\n<p><span style=\"text-decoration: underline;\"><strong>BUYING DIRECT FROM HDB (BTO &amp; Balance of Sales)<\/strong><\/span><\/p>\n<p>A single (LGBTQ+) person could buy from HDB\u00a0 under 3 Schemes: <strong>Public, Singapore Citizen Single or Joint Single Scheme.<\/strong><\/p>\n<p>Under the <b><a href=\"https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/buying-a-flat\/new\/eligibility\/hdb-flat\" target=\"_blank\" rel=\"noopener\">Public Scheme (PS)<\/a>, <\/b>the applicant must<\/p>\n<ul>\n<li>form a family nucleus with parents, and siblings (if any).<\/li>\n<li>At least 1 Singapore Citizen applicant<\/li>\n<li>At least 1 other Singapore Citizen or Singapore Permanent Resident<\/li>\n<li>At least 21 years old<\/li>\n<li>Household Income Ceiling: $14,000 (4-room and above); $7,000 or $14,000 (3-room, depending on project)<\/li>\n<\/ul>\n<p><em><strong>LGBTQ+ Note: <\/strong>This is a very common scenario of singles who live with their elderly parents (with little or no income). Often they will buy a flat with their parents as co-owners and use their income to secure a bank loan and tap into CPF to pay for the upfront and mortgage payment. However, the problem happens when they want to buy a place of their own in the future and realise that their name is tied to the property.\u00a0<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-8244\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2016\/03\/HDB-BTO-application-priority-schemes.jpg\" alt=\"The BTO application process can become much easier with HDB's priority schemes\" width=\"950\" height=\"623\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2016\/03\/HDB-BTO-application-priority-schemes.jpg 950w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2016\/03\/HDB-BTO-application-priority-schemes-940x616.jpg 940w\" sizes=\"(max-width: 950px) 100vw, 950px\" \/><\/p>\n<p>Under\u00a0\u00a0<b>Singapore Citizen <\/b><b>Single Scheme (SCSS) <\/b>&amp; <b>Joint Single Scheme (JSS)<\/b>, the applicant can purchase directly from HDB BTO or Sale of Balance, under these conditions:<\/p>\n<ul>\n<li>Must be Singapore Citizen (up to 4 pax for Joint Single Scheme)<\/li>\n<li>Unmarried or divorced: 35 years old or above<\/li>\n<li>Widowed or an orphan: 21 years old or above<\/li>\n<li>Household Income ceiling $7K<\/li>\n<li>All applicants and occupiers listed in the flat application do not own other properties overseas or locally and have not disposed of any within the last 30 months<\/li>\n<li>All applicants and occupiers listed in the flat application cannot invest in private residential property from the date of flat application till after the 5-year Minimum Occupation Period (MOP).<\/li>\n<li>All applicants have not purchased a new HDB\/ DBSS flat or EC, or received a CPF Housing Grant before; or, have only purchased 1 of those properties\/ received 1 CPF Housing Grant thus far<\/li>\n<li>Importantly, the applicant(s) can only purchase a 2 Room Flexi Flat in the non-mature estate.<\/li>\n<li>Singles buying under SCSS must also pay a $15k premium on top of the listing BTO pricing. This is to &#8216;crawl&#8217; back part of the subsidies built into a BTO pricing meant for couples.<\/li>\n<\/ul>\n<p><strong>Available Grant for Single Singapore Citizen Scheme\/ Joint Singles Scheme (JSS)<\/strong><\/p>\n<ul>\n<li><b>Enhanced CPF Housing Grant (EHG)<\/b><\/li>\n<li><b>Up to $40k depending on income ($80k for JSS)<\/b><\/li>\n<li><b>Income cap at $4500 ($9000 for JSS)<\/b><\/li>\n<li>Have worked\u00a0continuously\u00a0for 12 months prior to the flat application<\/li>\n<li>Still, be working at the time you submitted the flat application<\/li>\n<li>Have minimum 20 years lease remaining. Flat must have sufficient lease to cover the youngest buyer to the age of 95 to qualify for the full EHG. Otherwise, the EHG will be pro-rated.<\/li>\n<li>You must not own any properties whether locally or overseas or have disposed of any such properties in the 30 months before your new flat application.<\/li>\n<\/ul>\n<p><em><strong>LGBTQ+ Note: <\/strong>While BTO pricing is relatively more attractive. The long waiting time of 4-5 years for construction, followed by another 5-year MOP makes BTO unattractive for many LGBTQ+ who can only apply for BTO when they turn 35 years old. Also, the limitation <\/em><em>to only a 2-room Flexi flat in a non matured estate is not ideal for someone who would like a bigger space or prefer a location nearer to town. It is worth noting also that 2-rm Flexi is about 36-46sqm (387-495 square feet), equivalent to a studio or 1-bedroom apartment, and that may be too small for most LGBTQ+ couples.<\/em><\/p>\n<p>&nbsp;<\/p>\n<p><span style=\"text-decoration: underline;\"><strong>BUYING FROM THE OPEN RESALE HDB MARKET<\/strong><\/span><\/p>\n<p>Given the restrictive nature and limited options of BTOs, many LGBTQ+ are turning to the HDB resale market as an alternate home choice.<\/p>\n<p>Under\u00a0<strong>\u00a0Single Scheme &amp; Joint Single Scheme<\/strong>, single individuals can also buy from <strong>HDB<\/strong>\u00a0<b>Resale Market:<\/b><\/p>\n<ul>\n<li>They can buy any size and location from the open market.<\/li>\n<li>Must be Singapore Citizen (up to 4 pax for Joint Single Scheme)<\/li>\n<li>Unmarried or divorced: 35 years old or above<\/li>\n<li>Widowed or an orphan: 21 years old or above<\/li>\n<li>There is no income ceiling in the resale HDB market.<\/li>\n<\/ul>\n<p><strong><b>Available Grants For Resale HDB Flat<\/b><\/strong><\/p>\n<p><strong>Singles Grant (only for Resale HDB)<\/strong><\/p>\n<ul>\n<li>Single Scheme Income Ceiling $7k, Up to $25k<\/li>\n<li>Joint Single Scheme can apply for up to $50k (to 2 pax)<\/li>\n<\/ul>\n<p><strong>Enhanced CPF Housing Grant (EHG) (Singles)<\/strong><\/p>\n<ul>\n<li>Single Scheme Income Ceiling $4.5k, Up to $40k<\/li>\n<li>Joint Single Scheme Combined Income Ceiling $9k, Up to $80k<\/li>\n<\/ul>\n<p><strong>Proximity Grant<\/strong><\/p>\n<ul>\n<li>$10k grant if live near to parent (within 4km)<\/li>\n<li>$15k grant if living with parents<\/li>\n<\/ul>\n<p><em><b>LGBTQ+ Note: <\/b>The resale HDB is a very popular option with LGBTQ+ who likes to live in a convenient location and more mature estates. Many of them like to purchase older HDB flats and transform them into cosy pads with designer decor. However, precaution has to be taken on the lease decay effect on HDB value. Many younger LGBTQ+ homeowners run the risk of outliving their old flats. Older HDB will also become increasingly difficult to sell in the future as the lease shortens.<\/em><\/p>\n<p><img decoding=\"async\" class=\"aligncenter size-full wp-image-17465\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2017\/09\/buy-executive-condo-singapore.jpg\" alt=\"\" width=\"800\" height=\"595\" srcset=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2017\/09\/buy-executive-condo-singapore.jpg 800w, https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2017\/09\/buy-executive-condo-singapore-380x284.jpg 380w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/p>\n<p><span style=\"text-decoration: underline;\"><strong>BUYING EXECUTIVE CONDO (EC) from HDB<\/strong><\/span><\/p>\n<p>Many are not aware that under the Joint Singles Scheme, singles individuals can also apply to buy EC from HDB. However, these are the conditions:<\/p>\n<ul>\n<li>You and up to 3 other co-applicants.<\/li>\n<li>Single (unmarried, divorced, or widowed)<\/li>\n<li>Singapore Citizens<\/li>\n<li>At least 35 years old<\/li>\n<li>Applying jointly as co-applicants<\/li>\n<li>Average gross monthly household income must not exceed $16,000.<\/li>\n<\/ul>\n<p><em><b>LGBTQ+ Note: <\/b>Before getting all excited, do note that when buying an EC under the JSS scheme, NO GRANTS will be given to the applicants. So without the grant, and the long waiting period plus a 5-year MOP, the EC becomes less attractive of an option for LGBTQ+ buyers as they get older.\u00a0<\/em><\/p>\n<p><span style=\"text-decoration: underline;\"><strong>For LGBTQ+ Permanent Residents and Foreigners:<\/strong><\/span><\/p>\n<p>Under HDB policies, <strong>single foreigners are not able to purchase HDB Flats. <\/strong>The only way a foreigner could buy an HDB is to marry a Singapore Citizen, but since gay marriage is not recognised here, that will not be an option for them.<\/p>\n<p>A <strong>Singapore<\/strong> <b>Permanent Resident (SPR)<\/b>\u00a0is only allowed to buy an HDB resale flat under two eligibility schemes, namely the\u00a0<strong>Public Scheme (pairing with parents or siblings)<\/strong>\u00a0or\u00a0<strong>Fianc\u00e9\/Fianc\u00e9e Scheme (also not relevant to LGBTQ+ individuals)<\/strong>.\u00a0 Basically,\u00a0 SPRs cannot purchase resale HDB flats by themselves.<\/p>\n<p><em><b>LGBTQ+ Note: <\/b>Now, not all hope&#8217;s gone for SPRs, there is an option to buy an Executive Condo (EC) from the resale market. Yes, that is correct, an EC that is past 5 years MOP can be purchased by Singaporeans and SPRs (but not foreigners) like a private property transaction. However, this does not apply to foreigners. They can only buy an EC only after 10 years when it is fully privatised.<\/em><\/p>\n<div><\/div>\n<p><strong>So plan early, don&#8217;t wait till you are 35?<\/strong><\/p>\n<p>Property purchase requires careful planning and a substantial amount of funds. Many LGBTQ+ failed to save up when they were younger and started to panic when they are about to turn 35 in a month.\u00a0 Reach out to an LGBTQ+ affirming realtor, or have a chat with a team member at PRIDENT to create a structured plan to get you started on your property journey.<\/p>\n<div><\/div>\n<div>\n<hr>\n<p><b>About the Author<\/b><\/p>\n<p>William Tan is a <a href=\"https:\/\/www.99.co\/singapore\/agents\/R061781H-william\" target=\"_blank\" rel=\"noopener\">licensed realtor<\/a> with a speciality in servicing the LGBTQ+ community. He is also the co-founder of Prident, a non-profit LGBTQ+ professional collective aimed at helping the community on economic wellbeing issues. William regularly writes and runs webinars to share his knowledge on property investment for LGBTQ+ and has been featured in EdgeProp Singapore, The Edge, Esquire magazine and The Financial Coconut podcast. He has helped many LGBTQ+ clients with their property portfolio \u2013 market to sell, buy and rent properties. He also runs an online LGBTQ+ Clinic to answer private questions from the community.<\/p>\n<p>Read more on PRIDENT <a href=\"https:\/\/prident.co\/\" target=\"_blank\" rel=\"noopener\">here<\/a>.<\/p>\n<p>&#8211;<\/p>\n<p>Looking for a property? Find the home of your dreams today on Singapore\u2019s fastest-growing<a href=\"https:\/\/www.99.co\/?utm_source=blog%20main%20site%20conversion\" target=\"_blank\" rel=\"noopener\"><span class=\"s1\">\u00a0property portal 99.co<\/span><\/a>! If you would like to estimate the potential value of your property, check out<a href=\"https:\/\/www.99.co\/singapore\/property-value-tool\" target=\"_blank\" rel=\"noopener\"><span class=\"s1\">\u00a099.co\u2019s Property Value Tool<\/span><\/a>\u00a0for free. Meanwhile, if you have an interesting property-related story to share with us, drop us a message\u00a0<a href=\"mailto:marketing@99.co\" target=\"_blank\" rel=\"noopener\">here<\/a>\u00a0\u2014 and we\u2019ll review it and get back to you.<\/p>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Many would agree that\u00a0 Singapore is leading the world in so many areas. However, one area it has much to catch up with is the attitude towards the LGBTQ+ community. With 80% of Singaporeans living in public HDB flats, it is probably the default home of choice for many LGBTQ+ individuals. Ask anyone in the&hellip;<\/p>\n","protected":false},"author":119,"featured_media":40708,"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":"no","_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":[53631,53632,53589,57131],"tags":[54964,54965,54966,56596,56397],"persona":[],"class_list":{"2":"type-post","16":"entry","17":"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>LGBTQ+ Guide: Things you should know about buying an HDB flat - 99.co<\/title>\n<meta name=\"description\" content=\"Many would agree that\u00a0 Singapore is leading the world in so many areas \u2013 however, one area it has much to catch up with is the attitude towards LGBTQ+ community. While there is a growing level of acceptance, especially amongst the younger set, public display and topic discussion are often met with heavy self-censorship.\" \/>\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\/lgbtq-guide-things-should-know-about-buying-hdb-flat\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LGBTQ+ Guide: Things you should know about buying an HDB flat\" \/>\n<meta property=\"og:description\" content=\"Many would agree that\u00a0 Singapore is leading the world in so many areas \u2013 however, one area it has much to catch up with is the attitude towards LGBTQ+ community. 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