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The policies of the HDB were largely in line of the manifesto set out by the Singapore government; the government was promoting social cohesion and patriotism within the country. In 1980, a quota was introduced to ensure that no particular racial group concentrated together to prevent sectarianism. To prevent social stratification that may lead to social conflict, the housing of different income groups are mixed together in estates and new towns. Some of their current departments include: HAD (Housing Administration Department) EAPD (Estate Administration & Property Department) IPD (Industrial Properties Department) BQD (Building Quality Department) PLD (Properties & Land Department) CRD (Community Relations Department)
Age
Family Nucleus
Any of the following combinations: Applicant+Spouse+Children (if any) Applicant+Parents+Siblings (if any) Widowed/divorced applicant+Children under legal custody Applicant+fiance/fiancee Orphaned applicant+unmarried siblings 2-room: $2,000 3-room (non-mature towns and estates): $3,000 3-room (mature towns and estates/Premium) and above: $10,000 ($15,000 for extended families)
$8,000
HDB safeguards at least 95% of the flats available for public application for the First-timer applicants who generally have more urgent housing needs than second timers.
Type of Applicant Second-Timer First-Timer Married Child Priority Scheme (Second-Timer) Married Child Priority Scheme (First-Timer)
First-timer applicants who are not successful for 2 or more times in the application for a flat under the Build-To-Order (BTO) in non-mature estates, will be given an additional chance for each subsequent unsuccessful attempt when they apply for a flat under the BTO in non-mature estates. No. of previous unsuccessful attempts 0 to 1 2 3 Total chances to be assigned to Additional first-timer applicant Chances Married Child to be assigned Public Applicant Priority Scheme 0 1 2 2 2+1 2+2 4 4+1 4+2
3
Check eligibility to buy and eligibility for loan, and plan for payment
2
Submit Application Submit application online A non-refundable administrative fee of $10
3
Receive Outcome of Application
HDB will ballot all applications for their queue position and inform applicants of the application outcome
No payment
4
Book Flat Choose desired flat
Pay booking fee according to option chosen, ranges between $250 to $2000
5
Sign Agreement for Lease
Sign the Agreement for Lease To provide necessary documentation for loan status For flats offered under the BTO, keys to the flats will be ready for collection in about 3 years' time.
A downpayment (plus 1-3% legal and stamp fees) by CPF money or cash: Balance of the purchase price of the flat booked, by Cash or CPF or a combination of both.
5
6
Collect Flat Keys
Description
Meant to help citizen families with a steady household income up to $40,000 to buy their first subsidised HDB flat.
Value
Between $5k-$40k depending on monthly household income
Given to first-timer families earning up to $2,250 a month to buy a smaller flat from HDB that is within their means.