HDB Eligibility

Eligibility conditions for proposed flat owners

These are the eligibility criteria that proposed flat owners must meet before taking over ownership of an HDB flat. Proposed owners must physically occupy the flat upon the ownership change. The application for a change in flat ownership (not through a sale) is subject to HDB’s approval based on the prevailing eligibility conditions at the point when we receive the application.

Reason for Change in Flat Ownership

There is a change in the existing family structure (such as divorce, marriage or demise of an owner), or the current owners need to perform an ownership change to retain the flat.


The proposed owners must be an immediate family member of the current owners, such as the spouse, parents, children, or siblings.

Eligibility Scheme^

The proposed owners (both remaining and incoming) and occupiers staying in the flat must be able to take over ownership of the flat under 1 of the existing eligibility schemes.


The proposed owners must be at least 21 years old.


The proposed owners can either be a Singapore Citizen (SC) or a Singapore Permanent Resident (SPR), with another owner or occupier who is an SC or SPR. 

If all the proposed owners are SPRs, they and the essential occupiers must have held permanent residency for at least 3 years.

Ownership in Another HDB Flat, or DBSS flat/ EC Unit^

The proposed owners must not be a current owner or essential occupier of:

  • An HDB flat
  • A DBSS flat, or an Executive Condominium (EC) unit (within its 5-year Minimum Occupation Period) bought from a developer

Ownership in Private Property

Owners of private property or owners who have disposed of a private property within the last 15 months may take over the ownership of an HDB flat if they meet the following:

  • The existing flat owner has fulfilled the requisite occupation period
  • At least 1 of the proposed owners is a Singapore Citizen
  • All proposed owners and listed occupiers must continue to live in the flat upon the change in flat ownership 

Note: Private properties include but are not limited to local or overseas private properties (flat, house, building, land), HUDC flats, and Executive Condominiums. If you have acquired private property by gift, or inherited private property as beneficiaries under a Will or as a result of the Intestate Succession Act, or owned, acquired, or disposed of a private property through nominees regardless of the property’s location, you would be deemed as having acquired interest in the private property.


The proposed owner must not:

  • Have infringed any HDB/ government rules, regulation or policies
  • Be debarred by HDB for the infringement

These conditions also apply to essential family members who are listed in the application.

Payment of resale levy

Withdrawing owners may need to pay a resale levy if they are buying or have bought:

  • Another subsidised flat* 
  • An EC unit from a developer

*Subsidised flats refer to flats bought directly from HDB, resale flats bought with CPF Housing Grant or DBSS flat bought directly from the developer.

Find out more about the resale levy, and when you are required to pay it. 

Outstanding amounts to pay HDB

If there are outstanding payments owed to HDB by the current or incoming flat owners (such as fire insurance premium, late payment charges, or bill charges), these must be settled before the application for a change in flat ownership can be considered.