{"id":7703,"date":"2021-03-22T09:49:31","date_gmt":"2021-03-22T01:49:31","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=7703"},"modified":"2025-02-18T10:51:31","modified_gmt":"2025-02-18T02:51:31","slug":"purchasing-hdb-single-parent","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/purchasing-hdb-single-parent\/","title":{"rendered":"Buying an HDB flat as a single parent in 2025: How to do it"},"content":{"rendered":"<div id=\"bsf_rt_marker\"><\/div>\n<p>Being a single parent is hard, finding a home as a single parent (especially for an unwed parent) is even harder. In the years past, regulations by the HDB have made it hard for divorced, widowed or unwed parents to get a home for themselves and their children.<\/p>\n\n\n\n<p>For instance, it was only in March 2018 that divorced persons could buy or own a subsidised flat upon divorce.<\/p>\n\n\n\n<p>The situation improved further in 2020 after Members of Parliament (MPs) repeatedly pushed for change. On 4 March 2020, then Minister for National Development Lawrence Wong stated in Parliament that the HDB would lower the minimum age for single parents looking to buy Build-to-Order (BTO) flats to 21 and make the 3-room flat type available.<\/p>\n\n\n\n<p>This article is updated with the latest rules as of 2025, so single parents can see which HDB flat they are eligible for at a glance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-divorced-or-widowed-parents\"><strong>Divorced or widowed parents<\/strong><\/h2>\n\n\n\n<p>Divorced or widowed Singapore citizens at least 21 years old and have children under their legal custody, care and control can form a family nucleus with their children to purchase an HDB flat under the <a href=\"https:\/\/www.hdb.gov.sg\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/application\/priority-schemes\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Priority Scheme<\/a>.<\/p>\n\n\n\n<p><strong>As a family nucleus, divorced or widowed parents can qualify for housing grants\/subsidies and have greater access to new flats (i.e., BTO flats) if they are first-timers<\/strong>.<\/p>\n\n\n\n<p>The flat allocation is up to 5% of 2-room Flexi and 3-room BTO flats in non-mature estates, a quota shared with the 15% set aside for second-timers. If the number of second-timers exceeds the flat supply reserved for them, not all will be successful in their applications, maintaining the quota balance.<\/p>\n\n\n\n<p><a href=\"https:\/\/www.hdb.gov.sg\/residential\/buying-a-flat\/buying-procedure-for-new-flats\/application\/priority-schemes\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">To be eligible<\/a>, applicants must have at least one child aged 18 years or below, either a natural offspring from a legal marriage or legally adopted, and adoptive parents must have the Adoption Order of their child when applying for a flat. Additionally, applicants must not have acquired any interest in an HDB flat or private residential property, except for their matrimonial flat or property, after the date of divorce, separation, or demise of their spouse.<\/p>\n\n\n\n<p><strong style=\"font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, Oxygen-Sans, Ubuntu, Cantarell, 'Helvetica Neue', sans-serif;\">BTO flats<\/strong><\/p>\n\n\n\n<p>Specifically for BTO flats, HDB now sets aside up to 7% of two-room flexi and three-room flats in non-mature estates for divorced and widowed parents under the ASSIST scheme. To be eligible, the parent must have at least one child aged below 18 years old. The child can be the natural offspring from the lawful marriage or legally adopted.<\/p>\n\n\n\n<p>To qualify for the ASSIST scheme, the parent must not have acquired any interest in an HDB flat or private residential property after the date of divorce\/separation or demise of the spouse (except for the matrimonial flat\/property).<\/p>\n\n\n\n<p>If the divorced or widowed parent successfully ballots for a BTO flat, they may be eligible for the EHG amounting up to $80,000.<\/p>\n\n\n\n<p>While waiting for their BTO flats to be built, divorced or widowed parents without a place to stay may also apply for interim housing options such as the <a href=\"https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/renting-a-flat\/renting-from-hdb\/parenthood-provisional-housing-scheme-pphs\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Parenthood Provisional Housing Scheme (PPHS)<\/a>.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\" id=\"h-classification-of-hdb-towns-by-maturity\">Classification of HDB towns by maturity<\/h4>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><b>Mature Estates<\/b><\/td><td><b>Non-Mature Estates<\/b><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Ang Mo Kio<\/span><\/td><td><span style=\"font-weight: 400;\">Bukit Batok<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Bedok<\/span><\/td><td><span style=\"font-weight: 400;\">Bukit Panjang<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Bishan<\/span><\/td><td><span style=\"font-weight: 400;\">Choa Chu Kang<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Bukit Merah<\/span><\/td><td><span style=\"font-weight: 400;\">Hougang<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Bukit Timah<\/span><\/td><td><span style=\"font-weight: 400;\">Jurong East<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Central<\/span><\/td><td><span style=\"font-weight: 400;\">Jurong West<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Clementi<\/span><\/td><td><span style=\"font-weight: 400;\">Punggol<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Geylang<\/span><\/td><td><span style=\"font-weight: 400;\">Sembawang<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Kallang\/Whampoa<\/span><\/td><td><span style=\"font-weight: 400;\">Sengkang<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Marine Parade<\/span><\/td><td><span style=\"font-weight: 400;\">Tengah<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Pasir Ris<\/span><\/td><td><span style=\"font-weight: 400;\">Woodlands<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Queenstown<\/span><\/td><td><span style=\"font-weight: 400;\">Yishun<\/span><\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Serangoon<\/span><\/td><td>&nbsp;<\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Tampines<\/span><\/td><td>&nbsp;<\/td><\/tr><tr><td><span style=\"font-weight: 400;\">Toa Payoh<\/span><\/td><td>&nbsp;<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p><strong>For resale flats<\/strong><\/p>\n\n\n\n<p>For resale flats, divorced or widowed buyers with children may be eligible for the <a href=\"https:\/\/www.hdb.gov.sg\/residential\/buying-a-flat\/understanding-your-eligibility-and-housing-loan-options\/flat-and-grant-eligibility\/couples-and-families\/proximity-housing-grant-families\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Proximity Housing Grant (<\/a>PHG) if they are living with or near their parents regardless of whether they are first or second-timers. If applicants are first-timers, meaning that they are currently not owners of, or have not previously sold subsidised flats, they may also apply for the Family Grant.<\/p>\n\n\n\n<p>So divorced or widowed parents can tap on three grants for resale flats\u2060\u2014EHG, PHG and Family Grant\u2060\u2014amounting to $160,000.<\/p>\n\n\n\n<p>If the widowed or divorced parent is unable to afford a flat with grants provided, they may wish to rent a one-room or two-room HDB flat under the <a href=\"https:\/\/www.hdb.gov.sg\/cs\/infoweb\/residential\/renting-a-flat\/renting-from-hdb\/public-rental-scheme\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Public Rental Scheme<\/a>. It is applicable for citizens aged 21 years old and above, and have a monthly household income of at most $1,800.<\/p>\n\n\n\n<figure class=\"wp-block-image alignnone\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2021\/03\/purchasing-hdb-single-parent-infographic-e1616402543765.jpg\" class=\"img-link media-img img-link media-img\"><img decoding=\"async\" width=\"600\" height=\"824\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2021\/03\/purchasing-hdb-single-parent-infographic-e1616402543765.jpg\" alt=\"HDB housing options for single parents infographic\" class=\"wp-image-39788\"\/><\/a><figcaption class=\"wp-element-caption\">Image credit: HDB<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-unwed-parents\"><strong>Unwed parents<\/strong><\/h2>\n\n\n\n<p><strong>Previously<\/strong>: Unlike widowed or divorced parents, unwed parents were unfortunately not eligible to buy a new HDB flat as the parent and child were not recognised as a family nucleus. They would need to wait until they turned 35 to buy a BTO or resale flat under the Single Singapore Citizen Scheme or Joint Singles Scheme (as a co-applicant).<\/p>\n\n\n\n<p>According to the Ministry of National Development (MND), single unwed parents above  21 (but below 35) have been allowed to purchase new two-room flats and resale flats in the past, but this was subject to a case-by-case basis.<\/p>\n\n\n\n<p><strong>Now<\/strong>: On 4 March 2020, the government signalled its commitment to support the housing needs of unwed parents &#8220;to ensure that their children have a stable home to grow up in and a good start in life&#8221;. Unwed parents who approach HDB for housing assistance, including rental flats, will not be turned away. HDB has stated that it will assess each request &#8220;holistically and individually&#8221;.<\/p>\n\n\n\n<p>Single, unmarried parents can now buy up to a three-room flat in a non-mature estate, or a resale flat.<\/p>\n\n\n\n<figure class=\"wp-block-image alignnone\"><a href=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2021\/03\/purchasing-hdb-single-parent-with-children-e1616402592324.jpg\" class=\"img-link media-img img-link media-img\"><img decoding=\"async\" width=\"600\" height=\"352\" src=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2021\/03\/purchasing-hdb-single-parent-with-children-e1616402592324.jpg\" alt=\"A mother with two children\" class=\"wp-image-39789\"\/><\/a><figcaption class=\"wp-element-caption\">Single, unmarried parents can now buy up to a three-room flat in a non-mature estate, or a resale flat.<\/figcaption><\/figure>\n\n\n\n<p><strong>BTO flats<\/strong><\/p>\n\n\n\n<p>Single unwed parents aged 21 and above are now allowed to buy new three-room flats in non-mature estates, compared to only two-room flats in non-mature estates previously.<\/p>\n\n\n\n<p><strong>Resale flats<\/strong><\/p>\n\n\n\n<p>Any unwed parent aged 21 and above may request to buy a resale flat as well.<\/p>\n\n\n\n<p><strong>For grants, an eligible unwed parent may qualify for the same grant amount as a single person (i.e., half the grant amount for divorced and widowed parents).<\/strong><\/p>\n\n\n\n<p>Unwed parents who cannot afford to buy any flat will be considered for public rental flats.<\/p>\n\n\n\n<p>You may wish to reach out to HDB or the <a href=\"https:\/\/www.aware.org.sg\/support-housing-and-enablement-s-h-e-project\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">Association of Women for Action and Research (AWARE)<\/a> to get further advice and assistance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-your-experience-of-buying-an-hdb-flat-as-a-single-parent-share-it-with-us-in-the-comments-section\">What is your experience of buying an HDB flat as a single parent? Share it with us in the comments section.<\/h2>\n\n\n\n<p><span style=\"font-weight: 400;\">If you found this article helpful, 99.co recommends <\/span><a href=\"https:\/\/www.99.co\/singapore\/insider\/hdb-flat-couples-split\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">When love ends: What happens to the HDB flat when couples split?<\/span><\/a><span style=\"font-weight: 400;\"> and <\/span><a href=\"https:\/\/www.99.co\/singapore\/insider\/divorce-and-matrimonial-home-how-the-court-might-split-up-your-property\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\">Divorce and matrimonial home: How the Court might split up a property<\/span><\/a><span style=\"font-weight: 400;\">.&nbsp;<\/span><\/p>\n\n\n\n<p><span style=\"font-weight: 400;\">Looking for a property to buy or rent? Find your dream home on<\/span><a href=\"http:\/\/99.co\/\" target=\"_blank\" rel=\"noopener\"><span style=\"font-weight: 400;\"> Singapore\u2019s largest property portal 99.co<\/span><\/a><span style=\"font-weight: 400;\">!<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Being a single parent is hard, finding a home as a single parent (especially for an unwed parent) is even harder. In the years past, regulations by the HDB have made it hard for divorced, widowed or unwed parents to get a home for themselves and their children. For instance, it was only in March&hellip;<\/p>\n","protected":false},"author":36,"featured_media":54514,"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":"70643,17299,7832,74737,34036,72435","_relevanssi_noindex_reason":"","_lmt_disableupdate":"no","_lmt_disable":"no","_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":[54067,54055,53636,54068,54069,54070],"persona":[],"class_list":{"2":"type-post","17":"entry","18":"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>Single Parents&#039; Housing Eligibility in 2024: How to do buy? - 99.co<\/title>\n<meta name=\"description\" content=\"Can single parents buy a HDB flat? 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