Eligibility Schemes

Buyers have to ensure that they are eligible to buy a resale at under one of HDB’s Eligibility Schemes. Buyers can use the HDB e-Service: Eligibility Check for Purchase of New or Resale
HDB Flat to do a quick assessment on their eligibility. The different eligibility schemes are as follows:



CPF Housing Grant

Buyers who are first-timers and meet the eligibility conditions for the CPF Housing Grant (including Additional CPF Housing Grant and higher-tier grant), can apply for the grant to help them finance their purchases.



Housing Loan from HDB

Buyers who are getting a housing loan from the HDB must:
• Meet the loan eligibility conditions.
• For a second HDB loan, the loan amount will be reduced by the
CPF balance/refund + up to half of the cash proceeds from the sale of the current or immediate past at.
• Have a valid HDB Loan Eligibility (HLE) Letter when exercising the OTP and when submitting the resale application.

Buyers can apply for the HLE Letter via
HDB e-Service: Application for HDB Loan Eligibility (HLE).

Housing Loan from Bank

Buyers who are getting a bank loan must:
• Have a bank’s Letter of Offer when exercising the OTP.
• Have accepted the Letter of Offer when submitting the resale application.