Property Tips  
Property tips to buy a Private Property:

What are the restrictions on foreign persons buying restricted residential properties in Singapore?    
There are restrictions on foreign persons buying restricted residential properties in Singapore under the Residential Property Act. In order for a foreign person to purchase a restricted residential property in Singapore, prior approval of the Minister for Law must first be obtained. Under the Ministry of Law, the Land Dealings (Approval) Unit (LDAU) administers all applications for purchasing restricted residential properties in Singapore. If your property agent has found you a Singapore restricted residential property for sale, the Option to Purchase must state that the sale and purchase of the property is subject to LDAU's approval.
I am a SPR. Am I classified as a foreign person?    
TYes, as a SPR buying a Singapore restricted residential property, you are classified as a foreign person. A foreign person means any person who is not any of the following:
  • Singapore citizen
  • Singapore company
  • Singapore limited liability partnership
  • Singapore society
I am a foreigner. How do I know whether it is a restricted residential property in Singapore?    
Before you commit to buy the attractive Singapore property for sale found by your real estate agent, please make sure that it is not a restricted residential property. Restricted residential properties in Singapore are as follows:
  • Vacant residential land
  • Landed property such as detached house, semi-detached house, terrace house, etc
  • Landed property in strata developments which are not approved condominium developments under the Planning Act such as units in a cluster housing project
  • Shop house which is not strata subdivided and is erected on land which has been zoned "residential“
  • All (100%) of the units in an apartment or all (100%) of the units in an approved condominium
What are the various types of property in Singapore that a foreigner can buy without restriction?    
Before you commit to buy the affordable Singapore property for sale offered by a property agent, please ensure that it is a Singapore property that you are not restricted to buy. A foreign person is not restricted from acquiring the following properties in Singapore:

  • Any apartment within a building
  • Any unit in an approved condominium
  • Commercial and industrial land or properties
What are the qualifying criteria to obtain approval to buy a restricted residential property in Singapore?    
In order for a foreign person to obtain permission to buy a restricted residential property in Singapore, the following qualifying assessment criteria are taken into consideration:

  • A Singapore permanent resident (SPR)
  • Adequate economic contribution to Singapore
  • Possesses academic, professional and/or technical qualification
  • Expertise and working experience needed by Singapore
  • Investments in the type of industry or service sector required by Singapore
What are the qualifying criteria to obtain approval to buy a restricted residential property in Singapore?    
In order for a foreign person to obtain permission to buy a restricted residential property in Singapore, the following qualifying assessment criteria are taken into consideration:

  • A Singapore permanent resident (SPR)
  • Adequate economic contribution to Singapore
  • Possesses academic, professional and/or technical qualification
  • Expertise and working experience needed by Singapore
  • Investments in the type of industry or service sector required by Singapore
I am a SPR. Should I apply for approval first before buying a restricted residential property in Singapore?    
Before you start to engage a real estate agent to look for a Singapore landed property for sale, it is recommended that you first apply for an Approval-in-Principle (AIP) from the Land Dealings (Approval) Unit (LDAU). The AIP for the purchase of a Singapore restricted residential property in Singapore is valid for 6 months and is not renewable. A fresh application must be made for another AIP on expiration of the existing AIP. The processing for the AIP or approval requires a minimum of 5 weeks processing time. Even if you have the AIP, the Option to Purchase must still state that the sale and purchase is subject to approval from LDAU.
I am a SPR. What are the restrictions imposed on an approved restricted residential property in Singapore?    
Once you are approved by the Land Dealings (Approval) Unit to purchase a restricted residential property in Singapore, the restrictions imposed on you and the property are as follows:

  • Cannot sell within 5 years from date of purchase or from TOP/CSC
  • Can only own 1 restricted property per family unit
  • Land size cannot exceed 1,393.5 sq m or 15,000 sq ft
  • Must not be within a Good Class Bungalow Area
  • Must be owner occupied – cannot lease out
I am a foreigner. Can foreigners buy land and bungalows in Sentosa?    
Foreigners are allowed to buy land and completed bungalows in Sentosa. They are still required to seek approval from the Land Dealings (Approval) Unit but it takes only 2 days to get approval.

The conditions for foreign ownership of land or landed home in Sentosa are as follows:

  • Must buy for own occupation
  • Cannot own more than 1 landed residential property in Singapore
  • Can resell to foreigners that can meet same ownership criteria

  • The main difference between foreigners owning restricted residential property in main-land Singapore and Sentosa are as follows:

  • A foreigner does not need to be a Singapore permanent resident to own land or landed home in Sentosa
  • There is no Minimum Occupation Period for foreign ownership of land or landed homes in Sentosa
How much is the Buyer's Stamp Duty (BSD) to buy Singapore properties?    
1st $180,000 of purchase price 1% ($1,800)
2nd $180,000 of purchase price 2% ($3,600)
Remaining purchase price 3%
Do I have to pay Additional Buyer's Stamp Duty (ABSD) to buy Singapore residential properties?    
Additional Buyer's Stamp Duty (ABSD) (effective from 12/1/2013) is payable only for purchase of Singapore residential properties under the following circumstances and this is in addition to the Buyer's Stamp Duty payable by all property buyers in Singapore:

 Citizenship ABSD Rate on 1st Purchase
ABSD Rate on 2nd Purchase
ABSD Rate from 3rd Purchase
 Singapore Citizens
 0%  7%  10%
 Singapore Permanent Residents
 5%  10%  10%
 Foreigners and Entities
 15%  15%  15%

How much is the buyer's legal fees to buy Singapore properties?    
Legal fees involved in the purchase of Singapore properties are no longer regulated. The buyer may shop around for competitive rates or ask the real estate agent to recommend a lawyer.
I want to sell my 1st residential property in Singapore which has an outstanding housing loan to buy a 2nd residential property in Singapore. Will I be able to enjoy the higher LTV limit?     If you are selling your 1st residential property in Singapore which has an outstanding housing loan to buy a 2nd residential property in Singapore, you must show proof of sale of your 1st residential property in Singapore to enjoy the higher loan-to-value (LTV) limit for the purchase of the 2nd residential property in Singapore. The following proofs of sale for your 1st residential property in Singapore are required:

  • Signed sale & purchase agreement or exercised Option to Purchase
  • Certificate from IRAS to show buyer has paid stamp duty
  • In the case of an outstanding bank loan, a letter from the bank with the outstanding loan stating that you will discharge loan on completion of sale.
Is there any restriction on the use of my CPF to purchase more than one residential property in Singapore?    
CPF withdrawals for the purchase of more than one Singapore residential property are subjected to the following conditions:

  • You are required to set aside the Basic Retirement Sum (BRS), currently at $80,500/- before you can use the excess CPF savings in the Ordinary Account. The BRS will be raised annually.
  • The BRS amount can be set aside from:
          Ordinary Account + Special Account (including amount withdrawn for investment)
  • CPF Withdrawal Limit for subsequent properties (after the first property) is set at 100% of Valuation Limit.
Can I use my CPF to buy an office in Singapore?    
No, CPF cannot be used for purchase of non-residential properties in Singapore such as commercial & industrial properties. CPF can only be used for the purchase of residential properties in Singapore.
I am a SC and I own 1 residential property in Singapore. I want to sell my 1st residential property in Singapore to buy a 2nd residential property in Singapore. When can I start to buy the 2nd residential property in Singapore without having to pay ABSD?    
If you have already contracted (means Option is exercised) to sell your 1st residential property in Singapore before you exercise the Option to buy the 2nd residential property in Singapore, you don't have to pay ABSD for the purchase of the 2nd residential property in Singapore.
I am a foreigner and I want to buy a shophouse in Singapore which has a shop on the 1st storey and a residential unit on the 2nd storey and the land is zoned commercial. Is ABSD payable?    
ABSD applies only to the residential unit that is approved for residential use, based on the market value of the residential unit. As a foreigner, you would have to pay ABSD on the residential unit based on 15% of the market value.
How much is the Buyer's Stamp Duty (BSD) to buy Singapore properties?    
1st $180,000 of purchase price 1% ($1,800)
2nd $180,000 of purchase price 2% ($3,600)
Remaining purchase price 3%

The above table is for the calculation of the Buyer's Stamp Duty (BSD) for the purchase of all types of Singapore property. If the Purchase Price is above $360K, you can use the formula: BSD = 3% of Purchase Price less $5,400. BSD is payable within 2 weeks after the buyer has exercised the Option to Purchase.
Do I have to pay Additional Buyer's Stamp Duty (ABSD) to buy Singapore residential properties?    
Additional Buyer's Stamp Duty (ABSD) (effective from 12/1/2013) is payable only for purchase of Singapore residential properties under the following circumstances and this is in addition to the Buyer's Stamp Duty payable by all property buyers in Singapore:

 Citizenship ABSD Rate on 1st Purchase
ABSD Rate on 2nd Purchase
ABSD Rate from 3rd Purchase
 Singapore Citizens
 0%  7%  10%
 Singapore Permanent Residents
 5%  10%  10%
 Foreigners and Entities
 15%  15%  15%

How much is the buyer's legal fees to buy Singapore properties?    
Legal fees involved in the purchase of Singapore properties are no longer regulated. The buyer may shop around for competitive rates or ask the real estate agent to recommend a lawyer.
I want to sell my 1st residential property in Singapore which has an outstanding housing loan to buy a 2nd residential property in Singapore. Will I be able to enjoy the higher LTV limit?    
If you are selling your 1st residential property in Singapore which has an outstanding housing loan to buy a 2nd residential property in Singapore, you must show proof of sale of your 1st residential property in Singapore to enjoy the higher loan-to-value (LTV) limit for the purchase of the 2nd residential property in Singapore. The following proofs of sale for your 1st residential property in Singapore are required:

  • Signed sale & purchase agreement or exercised Option to Purchase
  • Certificate from IRAS to show buyer has paid stamp duty
  • In the case of an outstanding bank loan, a letter from the bank with the outstanding loan stating that you will discharge loan on completion of sale.
Is there any restriction on the use of my CPF to purchase more than one residential property in Singapore?    
CPF withdrawals for the purchase of more than one Singapore residential property are subjected to the following conditions:

  • You are required to set aside the Basic Retirement Sum (BRS), currently at $80,500/- before you can use the excess CPF savings in the Ordinary Account. The BRS will be raised annually.
  • The BRS amount can be set aside from:
          Ordinary Account + Special Account (including amount withdrawn for investment)
  • CPF Withdrawal Limit for subsequent properties (after the first property) is set at 100% of Valuation Limit.
Can I use my CPF to buy an office in Singapore?    
No, CPF cannot be used for purchase of non-residential properties in Singapore such as commercial & industrial properties. CPF can only be used for the purchase of residential properties in Singapore.
I am a SC and I own 1 residential property in Singapore. I want to sell my 1st residential property in Singapore to buy a 2nd residential property in Singapore. When can I start to buy the 2nd residential property in Singapore without having to pay ABSD?    
If you have already contracted (means Option is exercised) to sell your 1st residential property in Singapore before you exercise the Option to buy the 2nd residential property in Singapore, you don't have to pay ABSD for the purchase of the 2nd residential property in Singapore.
I am a foreigner and I want to buy a shophouse in Singapore which has a shop on the 1st storey and a residential unit on the 2nd storey and the land is zoned commercial. Is ABSD payable?    
ABSD applies only to the residential unit that is approved for residential use, based on the market value of the residential unit. As a foreigner, you would have to pay ABSD on the residential unit based on 15% of the market value.
Foreigners from which country are accorded the same treatment as SCs, where ABSD is concerned, when buying residential properties in Singapore?    
Nationals and/or Permanent Residents of the following countries will be accorded with the same treatment as SCs, where ABSD is concerned, when buying Singapore residential properties:

Nationals and Permanent Residents of:
  • Iceland
  • Norway
  • Switzerland
  • Liechtenstein
Nationals of:
  • United States of America
The above buyers of Singapore residential properties are required to submit applications for ABSD remission.
Under what circumstances can a married couple (with mixed residency status) buying a matrimonial home qualify for remission of ABSD?    
For married couple who are SC and SPR:
  • The ABSD remission for married couple (SC and SPR) applies only if the total number of Singapore residential properties owned (separately or jointly) by the married couple after the new purchase is 1 or less. If this total number is exceeded, ABSD rate of 10% applies.
For married couple who are SC and foreigner:
  • The ABSD remission for married couple (SC and foreigner) applies only if the total number of Singapore residential properties owned (separately or jointly) by the married couple after the new purchase is 1 or less. If this total number is exceeded, ABSD rate of 15% applies.
I have just taken possession of a Singapore property that I have purchased. I have found some defects in the house. Does the "Lemon Law" of the Consumer Protection (Fair Trading) Act apply?    
The "Lemon Law" refers to the amendments to the Consumer Protection (Fair Trading) Act and the Hire Purchase Act that provides remedies for consumers against defective goods purchased. If a product is found to have a defect within 6 months of delivery, the defect is presumed to be there at the point of sale. Unless the seller can prove otherwise, the consumer is entitled to ask the seller to repair it, replace it or give a refund. Goods include second-hand goods, discounted goods and perishable goods.

However, it does not apply to contracts of hire (such as rental goods), the supply of services or the sale of real property (e.g. house, building, land, fixtures, etc).
I am interested to buy a semi-detached house which is currently approved to be used as a child care centre for a 3 year period. Does ABSD apply?    
Yes, ABSD will apply as the approved use of a child care centre is temporary but the permanent approved use of the semi-detached house is residential.
I want to buy a SoHo property which can be used either as an office or as a home. Does ABSD apply?    

ABSD is payable if the original approved use of the property is residential. If the original approved use of the property is non-residential, ABSD is not applicable.

I am a foreigner. Am I eligible to buy a 2 storey private shophouse in Singapore?    
It depends on the zoning of the land of that 2 storey private shophouse. If the shophouse is located in a land zoned as commercial or mixed commercial & residential, you are eligible to buy. If it is located in a land zoned as residential, you are not eligible to buy unless it is approved by the Land Dealings (Approval) Unit. It is recommended that you check with SLA for confirmation.
I own a Singapore condominium but I don't have any outstanding residential property loan. I want to buy another condo. What is my LTV limit?    
The max loan tenure allowed for a residential property in Singapore is now 35 years.

As you don't have any outstanding residential property loan and if your next residential loan tenure does not exceed 30 years or the loan period does not extend beyond the retirement age of 65 years, your loan-to-value (LTV) will be 80%. The minimum cash required is 5%. Balance 15% can use CPF. If CPF is not sufficient, must use cash.

However, if your next residential loan tenure should exceed 30 years or should the loan period extend beyond the retirement age of 65 years, then your LTV will be 60%. The minimum cash required is 10%. Balance 30% can use CPF. If CPF is not sufficient, must use cash.

LTV limit is the loan limit as a percentage of the purchase price or valuation, whichever is lower.

I own a HDB flat for more than 5 years and the loan is still outstanding. I would like to buy a 2nd residential property in Singapore. What will be my LTV limit?    
The maximum loan tenure allowed for a residential property in Singapore is now 35 years.

As you have one outstanding residential property loan and if your 2nd residential loan tenure does not exceed 30 years or the loan period does not extend beyond the retirement age of 65 years, your loan-to-value (LTV) limit will be 50%. The minimum cash required is 25%. Balance 25% can use CPF. If CPF is not sufficient, must use cash.

However, if your 2nd residential loan should exceed 30 years or should your loan period extend beyond the retirement age of 65 years, then your LTV will be 30%. The minimum cash required is 25%. Balance 45% can use CPF. If CPF is not sufficient, must use cash.

LTV limit is the loan limit as a percentage of the purchase price or valuation, whichever is lower.
I want to buy a residential property in Singapore under a company's name. What will be the LTV limit?    
When you purchase a residential property in Singapore under a company's name, the loan-to-value (LTV) limit will be 20%. These include but are not limited to corporations, trusts and collective investment schemes.

The maximum loan tenure for a residential property in Singapore is now 35 years.

LTV limit is the loan limit as a percentage of the purchase price or valuation, whichever is lower.
My uncle (my father's brother) and I would like to jointly invest in a Singapore residential property. Can both of us use our CPF to buy the residential property?    
No, only immediate family members can use CPF to jointly purchase residential properties as co-owners e.g. you and your spouse, parent, children and siblings.
My friend and I are interested to buy a Singapore residential property together. Can we jointly use our CPF to buy a residential property in Singapore?    
Yes, provided both of you are singles. Only non-related singles that are unmarried, divorced or widowed can use CPF to jointly purchase their first residential property as co-owners. Under this scheme, CPF cannot be used for more than one residential property.


Property tips to buy a HDB Resale Flat:

What are the eligibility criteria to buy a HDB resale flat?    
If the salesperson is able to find the right HDB flat for you to buy, the eligibility criteria to buy a HDB resale flat from the open market are as follows:

  • Citizenship: Min 1 Singapore citizen (SC) or 2 Singapore permanent residents (SPR) or 1 SC and 1 SPR
  • Age: Min 21 years old
  • Income ceiling: No income ceiling (If not taking CPF housing grant or HDB loan)
  • Ownership of private residential property: Cannot own private residential properties, must dispose their existing private residential properties (local & overseas) within 6 months from the date of flat purchase.
  • Satisfy the ethnic integration/SPR quota: Buyer needs to comply with the ethnic integration/SPR quota. The buyer/agent must ensure that the percentage limits in the neighbourhood (N) and the Block (Blk) are not exceeded.

Chinese 84% (N) 87% (Blk)
Malay 22% (N) 25% (Blk)
Indians/others 12% (N) 15% (Blk)
SPR quota 5% (N) 8% (Blk) (Malaysian SPR exempted)

  • Satisfy one of the following HDB’s eligibility schemes:
  • Public Scheme
  • Fiance/Fiancee Scheme
  • Single Singapore Citizen Scheme
  • Joint Singles Scheme
  • Non-Citizen Spouse Scheme
  • Non-Citizen Family Scheme
  • Orphans Scheme
  • Conversion Scheme
  • SC/SPR Sibling Scheme (no longer available, must apply for approval first)
  • What is the procedure to submit the Resale Checklist for Buyers to HDB?    
    The Resale Checklist for Buyers provides a list of HDB's policies and procedures that buyers should be aware of before they proceed to buy a HDB resale flat. Once your salesperson has found the right HDB flat for you to buy, the salesperson must go through the Resale Checklist with you and then submit the Checklist to you via HDB e-Service. You must then via HDB e-Service endorse and submit the Checklist to HDB by the next day before you exercise the Option to Purchase.
    What are the eligibility criteria for HDB concessionary loan?     While looking for the right HDB flat to buy, you can ask your salesperson on your eligibility for a HDB loan. The eligibility criteria for a HDB concessionary loan are as follows:
    • Have at least one buyer who is a Singapore citizen;
    • Household gross salary not exceeding $12,000/ month for families;
    • Household gross salary not exceeding $18,000/ month for extended families;
    • Gross salary not exceeding $6,000/ month for singles under Single Singapore citizen scheme and buying a 5-room or smaller resale flat;
    • Have not previously taken two or more HDB concessionary interest rate loans;
    • Do not own any private residential property (include HUDC flat/Executive Condominium) in Singapore or overseas;
    • Have not disposed off any private residential property within 30 months before the date of application for HDB Loan Eligibility (HLE);
    • Do not own more than 1 market/hawker stalls or commercial/industrial property in Singapore or overseas;
    • Own one market/hawker stall or commercial/industrial property and operate the business themselves
    What are the terms and conditions for a second HDB concessionary loan?    

    If you are planning to take a second HDB concessionary loan, you must take note that your balance sale proceeds (after keeping 50% of sale proceeds or $25K whichever is higher, from the sale of your last HDB flat) and all the balance CPF in your Ordinary Account (including CPF refund and after paying for legal fees and stamp fees) are to be utilized before HDB will grant you the second HDB concessionary loan. A second HDB concessionary loan will be made available to all eligible buyers regardless whether they upgrade, downsize or purchase the same flat type.

    To qualify for a second HDB concessionary loan, the last property sold must not be a private property.

    When is the HDB Loan Eligibility (HLE) letter required?    
    If you wish to get a HDB concessionary loan, you should first obtain a HDB Loan Eligibility (HLE) letter from HDB even before your salesperson brings you around to find the HDB flat to buy. The HLE letter must be dated before the Option to Purchase exercise date. The HLE letter is valid for 3 months only. The buyer needs to reapply if the HLE letter has expired. The HLE letter contains the following information:
    • Maximum loan amount
    • Maximum loan repayment period
    • Monthly instalment payment
    Under what circumstances must I take a bank loan instead of a HDB concessionary loan?    
    Under the following circumstances, you must take a bank loan instead of a HDB concessionary loan:
    • Buyers are all SPRs
    • Gross monthly household salary is over $12,000 for families
    • Gross monthly household salary is over $18,000 for extended families
    • Own private residential property (include HUDC/EC) in Singapore or overseas
    • Have sold private residential property within last 30 months
    • Own private commercial/industrial property for investment in Singapore or overseas
    • The last property sold was a private residential property regardless of time period (applicable for 2nd concessionary loan)
    • Buying under Singles Singapore Citizen Scheme and the single's gross monthly salary exceeds $6,000 or buying a HDB Exec Apartment
    • Have taken two or more HDB concessionary loans before
    When is the Letter of Offer from a bank required?    
    If you are taking a bank loan, you must obtain a Letter of Offer from a bank before you can exercise the Option to Purchase. While you are still looking for a HDB flat to buy, you should ask your salesperson to recommend you a banker to assess your eligibility for a bank loan.
    When is HDB Fire Insurance Policy required?    
    Fire insurance is required when buyers are taking a loan from HDB. The insurance policy is from an insurance company appointed by HDB. The salesperson who found you the HDB flat to buy, can guide you on where to purchase the fire insurance.
    When is Home Protection Scheme required?    
    The Home Protection Scheme is a mortgage-reducing insurance scheme administered by the CPF Board. It insures CPF members and their families against losing their homes should members become permanently incapacitated or pass away before their housing loans are paid up. You are required to purchase the Home Protection Scheme under the following conditions:

  • If buyers are using their CPF savings to pay for the monthly housing loan instalments.
  • Must decide on or before First Appointment with HDB
  • Minimum 100% coverage of loan, e.g. 50% for each party or 100% for each party
  • Can buy from CPF Board (through HDB) or from outside Insurance companies
  • What are the various types of CPF Housing Grants available for purchase of HDB resale flats?    
    • $30,000 CPF Housing Grant For Family
    • $15,000 CPF Housing Grant For Singles
    • Proximity Housing Grant for Family - $20,000
    • Proximity Housing Grant for Singles - $10,000
    • Additional CPF Housing Grant for Family - up to $40,000
    • Additional CPF Housing Grant for Singles - up to $20,000
    • CPF Top-Up Grant
    • Half-Housing Grant
    I am a SC and my spouse is a SPR. Can we apply for the CPF Housing Grant for Family? How much is the Grant?    
    Yes, you can apply for the CPF Housing Grant for a Family. Since your family consists of only a SC and a SPR, the CPF Housing Grant for Family is reduced by $10,000 (i.e. $20,000 instead of $30,000). Once you have found a suitable HDB flat to buy, your salesperson can assist you in your application to HDB for a CPF Housing Grant for Family.

    Your spouse can apply for $10,000 CPF Top-Up Grant when your spouse takes up citizenship or when you have a SC child while still in ownership of the HDB flat.
    What are the eligibility criteria for Additional CPF Housing Grant (AHG)?    
  • For first-timers only
  • At least one member working continuously for past 1 year
  • Average gross monthly household income of $5,000 or less for past 1 year
  • Meet all other eligibility conditions for CPF Housing Grant for Family
  • AHG is in addition to the CPF Housing Grant for Family
  • It is applicable for HDB resale flats or new HDB flats
  • The AHG amount eligible are as follows:

    Average Monthly Household Income for past 1 year AHG amount eligible for
    $1,500 or less $40,000
    $1,501 - $2,000 $35,000
    $2,001 - $2,500 $30,000
    $2,501 - $3,000 $25,000
    $3,001 - $3,500 $20,000
    $3,501 - $4,000 $15,000
    $4,001 - $4,500 $10,000
    $4,501 - $5,000 $5,000
      Source: HDB
  • Can I get HDB to contra my CPF and cash proceeds?    
    The Enhanced Contra Facility (ECF) was jointly implemented by the CPF Board and the HDB. The ECF enables a HDB flat owner to sell his existing flat and at the same time purchase another resale HDB flat by using the sale proceeds and the refunded CPF monies to pay for the next flat, including the insurance premiums payable under the CPF Home Protection Scheme. With this, the cash outlay and the mortgage loan required will be reduced. Therefore, monthly loan repayment will also be reduced. However, the refunded CPF cannot be used for the payment of stamp fees and conveyancing fees.

    The two applications for resale of Flat A and Flat B and the application for the ECF must be submitted separately but within 7 days of each other. Only one party is allowed to do contra. Approval for the resale of Flat A and Flat B does not constitute approval of the application for the ECF. The resale of Flat A must be completed before the completion of the Flat B, which can usually be completed on the same day

    Yes, you may apply for ECF, provided you don't have any outstanding bank loan for the sale of your existing HDB flat and/or you are not buying another HDB flat for sale using a bank loan.
    This is the second time that I am buying a HDB flat from the open market. Must I pay Resale Levy to HDB?    

    Every Singapore citizen household is entitled to a maximum of two housing subsidies. However, to reduce the subsidy on the 2nd subsidised flat, HDB introduced Resale Levy so as to maintain a fair allocation of public housing subsidy between first-timers and second-timers. If a person has bought a HDB flat direct from HDB once before or bought a resale flat with CPF Housing Grant, the person will be treated as a second-timer when buying another flat direct from HDB. Resale Levy is required when a buyer, who is a second-timer, is buying another subsidised flat direct from HDB.

    Since you are buying a HDB flat in the open market, Resale Levy is not payable.

    Who pays for the upgrading costs in a resale transaction?    
    Before you commit to buy the HDB resale flat, you should ask your salesperson to establish who should pay for the upgrading cost. Under the upgrading programme, the upgrading cost is payable only when the upgrading works in the flats, block and precinct are completed and the owner’s share of the upgrading cost is computed. The established rules of “Who is to pay for the upgrading costs?” are as follows:
  • If invoice is issued to the flat owner before legal completion, the seller is to pay for the upgrading costs.
  • If invoice is issued after legal completion, the buyer is to pay for the upgrading costs.
  • I am a single parent (22 years old) with a 3 year old child. Both of us are SC. Can I buy a HDB resale flat?    
    Yes, you can buy the HDB resale flat under the Public Scheme and the criteria are as follows:
    • Must form a family nucleus, such as husband and wife with children (if any) or children and parents or single parent and child under legal custody, care and control (for widowed, divorced or separated persons)
    • Citizenship: 2 SC or 1 SC and 1 SPR or 2 SPR
    • Applicant's age: at least 21 years old
    • Minimum no. of applicants: 1 owner and the rest can be occupiers
    I am a 26 year old SC and I am planning to marry a SPR. Can I buy a HDB resale flat before we are married?    
    Yes, you can buy the HDB resale flat under the HDB Fiance/Fiancee Scheme and the criteria are as follows:
    • Citizenship: 2 SC or 1 SC & 1 SPR or 2 SPR
    • Applicant's age: at least 21 years old
    • Buyer must list the fiance/fiancee either as a co-applicant or an occupier
    • Must register their marriage within 3 months after completion
    • If applying for CPF grant, must provide Marriage Cert before completion
    • If the buyer's fiance(e) is between 18 to 21, his/her parents must consent to the purchase
    • If the buyer's fiance(e) is less than 18, must obtain a licence to marry from the Ministry of Community Development, Youth and Sports and submit to HDB for verification
    • For divorcee, must produce Order of Court, Interim Judgement and Certificate of making Interim Judgement Final

    I am a 24 year old SC and a widow without any children. Can I buy a HDB resale flat?    
    Yes, you can buy a HDB resale flat under the Single Singapore Citizen Scheme and the criteria are as follows:
    • Citizenship: SC
    • For single/divorced - at least 35 years old
    • For widow/orphan - at least 21 years old
    • For an orphan (below 35) buying a resale flat on his/her own, he/she must not have sibling who is below 35 and is buying a flat separately under the Orphan Scheme, Single Singapore Citizen Scheme or Joint Singles Scheme
    We are 3 SC singles, all over 35 years old. Can we buy a HDB resale flat together?    
    Yes, you can buy a HDB resale flat under the Joint Singles Scheme and the criteria are as follows:
    • Citizenship: SC
    • Min and Max no. of applicants: 2 to 4
    • Type of ownership: must be joint applicants
    • For single/divorcee - at least 35 years old
    • For widow/orphan - at least 21 years old
    • For an orphan (below 35) buying under this scheme, he/she must not have another sibling who is below 35 and buying a flat separately under the Orphan Scheme, Single Singapore Citizen Scheme or Joint Singles Scheme
    I am a 27 year old single and was just converted to a SC but my mother is still a foreigner with a 2 year work permit. Can I buy a HDB resale flat?    
    Yes, you can buy a HDB resale flat under the Non-Citizen Family Scheme and the criteria are as follows:
    • Applicant must be a SC with non-citizen family members such as parents & siblings or children under his/her custody, care and control (for widowed, divorced or separated persons)
    • Applicant's age: at least 21 years old
    • The non-citizen family member must be listed as occupier and have a social visit pass (including work permit) of at least 6 months
    • If the social visit pass expires during the resale transaction, they will have to produce the renewed social visit pass at the point of completion of the resale transaction
    I am a 28 year old SC married to a foreigner working in Singapore with a 2 year work permit. Can I buy a HDB resale flat?    
    Yes, you can buy a HDB resale flat under the Non-Citizen Spouse Scheme and the criteria are as follows:
    • Applicant must be a married SC whose spouse is a non citizen
    • If applicant is at least 35 years old, spouse can have less than 6 months social visit pass (including work permit) at time of application
    • If applicant is at least 21 years old, spouse must have at least 6 months social visit pass (including work permit) at time of application
    • If the social visit pass expires during the resale transaction, they have to produce the renewed social visit pass at the point of completion of the resale transaction
    I am a 23 year old SC and my only sibling is a 19 year old SC. We are both orphans and singles. Can I buy a HDB resale flat?    
    Yes, you can buy a HDB resale flat under the Orphans Scheme and the criteria are as follows:
    • The applicant must be an orphan and a single with at least one other unmarried sibling, buying as co-applicant or occupier
    • Citizenship: 2 SC or 1 SC & 1 SPR
    • Applicant's age: at least 21 years old
    • For orphans buying under this scheme, other unmarried siblings (if any) of the same family are not allowed to buy or rent separate flats
    I own a HDB 3 room flat. I saw a property agent's advertisement of my next door's HDB 3 room flat for sale. Can I buy over my next door's unit and still retain my unit?    
    Yes, you can buy over your next door's HDB 3 room flat for sale as advertised by the property agent and at the same time retain your own unit. This is available under the Conversion Scheme which allows a buyer to buy 2 units of HDB 3 room for smaller flats or an adjoining HDB 3 room or smaller flat from the open market. The criteria for the Conversion Scheme are as follows:
    • Applicant's age: Min 21 years old
    • Citizenship: Min 2 SC or 2SPR or 1 SC & 1 SPR
    • Must apply to HDB for approval first before submitting application to HDB
    • The leases of both flats must be surrendered to HDB so that 1 single lease can be issued for the combined flat.
    • The combined flat cannot be sub-divided again for resale, transfer or surrender.
    I am the owner of a HDB flat which was purchased last year. Am I allowed to buy a 2 storey HDB shophouse and retain my HDB flat?    
    For all registrations received by HDB from 30/8/2010 onwards, all HDB flat owners are not allowed to own private residential property during the 5-year Minimum Occupation Period (MOP). A 2 storey HDB shophouse consists of a retail shop in the first storey and a residential apartment in the second storey. You are therefore not allowed to buy a 2 storey HDB shophouse.
    I currently own a HDB flat which I bought more than 6 years ago. Now that I have exceeded the MOP, can I buy a condo and also keep my HDB flat?    
    Yes, if at least one of the HDB flat owners is a SC. No, if all the HDB flat owners are SPR.
    I am a foreigner, am I eligible to buy a 2 storey HDB shophouse?    
    Yes, you are eligible to buy any 2 storey HDB shophouse, subject to HDB's approval.
    I own a HDB resale flat and I want to start a small business. Can I use my HDB flat as an office as well as a home?    
    It depends on whether your type of business is permitted under the Home Office Scheme. If it is permitted, you can register your HDB flat as a home office to start your small business subject to terms and conditions of the Home Office Scheme. Only HDB flat owners can register their HDB flat to operate as a Home Office. To register, go to "Home", move mouse to "Online Application" and click "Licences".
    Property tips to sell a Private Property:
    What is the formula to calculate the cash proceeds of the sale of my Singapore property?

    The formula to calculate the cash proceeds of your Singapore property for sale is as follows:
  • Price sold
  • Less outstanding mortgage loan plus any outstanding instalment and interest.
  • Less CPF used plus accrued interest.
  • Less property agent’s commission
  • Less property tax up to the date of completion.
  • Less seller stamp duty (if applicable).
  • Less legal fees from lawyer acting for seller in the conveyancing.
  • Less maintenance and service charge payable to the MC (if applicable) up to the date of completion.
  • Do I have to pay any seller's stamp duty for selling my Singapore condo?

    If the Singapore residential property is sold within 4 years of holding period for OTP exercised from 14/1/2011 onwards, the SSD payable by the seller is as follows:
  • If sold in the 1st yr of purchase – SSD is 16% of price sold
  • If sold in the 2nd yr of purchase – SSD is 12% of price sold
  • If sold in the 3rd yr of purchase – SSD is 8% of price sold
  • If sold in the 4rd yr of purchase – SSD is 4% of price sold
  • If sold after the 4th yr of purchase – no SSD is payable
    Computation of holding period is based on exercise date of purchase to exercise date of resale. If stamp duty is payable, it has to be paid within 2 weeks after exercising OTP.
  • How much is the seller's legal fees?

    Legal fees are no longer regulated for sale of Singapore properties. The seller may shop around for competitive rates or ask the salesperson to recommend a lawyer.
    I want to sell my Singapore property which has an outstanding bank loan. How would I know how much notice would I need to give to the bank to discharge my outstanding loan so that I can set the completion date of the sale of my Singapore property to avoid having to pay a penalty?

    You should refer to the Letter of Offer (LO) issued by your banker when you first took up the housing loan. The LO usually states how much written notice you would need to give to the bank to discharge your outstanding loan. If you are still not sure, it is best that you contact your banker before you set the completion date of the sale of your Singapore property in the Option to Purchase to avoid having to pay a penalty.
    I want to sell my 2 storey private shophouse. Do I have to pay GST on the whole 2 storey private shophouse or only on the shop in the 1st storey?

    You have to pay GST on the sale of your 2 storey private shophouse only if you are GST registered. The GST will be calculated based only on the portion of your 2 storey private shophouse that is approved for non-residential use. If your 2nd storey is approved for residential use only, it will not be subject to GST. You can engage a professional valuer to apportion the value of your 1st storey shop for the purpose of calculating the GST payable. It is recommended that you check with IRAS for confirmation.
    I want to sell my factory in Singapore. Will I have to pay Seller's Stamp Duty?

    It depends on when your factory was purchased and how long is the holding period. The following Seller's Stamp Duty (SSD) rates will be imposed on industrial properties and land bought and sold within 3 years of the date of purchase on or after 12/1/2013 (based on the exercise date of OTP).
     Holding Period
     SSD
     1 year or less
     15% of price sold
     2 years or less
     10% of price sold
     3 years or less
     5% of price sold

    Computation of holding period is based on exercise date of purchase to exercise date of resale. If SSD is payable, it has to be paid within 2 weeks after buyer has exercised the OTP of the resale.


    Property tips to sell a HDB Resale Flat:

    I bought a HDB resale flat from the open market without any CPF Housing Grant and the resale was completed in Sept 2010. What is the Minimum Occupation Period before I can put-up my HDB flat for sale?

    Based on the fact that the HDB resale flat you purchased was completed in Sept 2010, your resale application was most probably received by HDB before 30/8/2010. That means your Minimum Occupation Period (MOP) is 3 years from the effective date of resale. The different criteria for MOP are as follows:
  • No minimum occupation period
  • For HDB 1-Room flats and HUDC flats.

  • 5 years from effective date of resale
  • HDB flats bought direct from HDB, DBSS flat bought from developer and HDB resale flats bought with CPF Housing Grant Scheme

  • HDB flats bought under Selective En Bloc Redevelopment Scheme (SERS)
  • 7 years from the date of selection of the replacement flat, provided they had taken possession of the replacement flat; or
  • 5 years from the effective date of resale of the replacement flat; whichever comes first

  • HDB resale flats bought in the open market (without CPF Housing Grant Scheme)
  • The minimum occupation period (MOP) depends on when HDB receives the resale application are as follows:
    Resale Application Received Date MOP applicable
    Before 5 March 2010 (includes owners owning their resale flat as at this date) 2 years from effective date of resale if the owner takes a loan from HDB
    1 year
    from the effective date of resale if:
    i) the owner has not taken a loan from HDB; or
    ii) he has taken a loan from the bank/financial institution to finance the purchase or no loan
    5 March 2010 - 29 August 2010 3 years from effective date of resale, regardless of the type of loan taken by the owners or no loan
    On or after 30 August 2010 5 years from effective date of resale, regardless of the type of loan taken by the owners or no loan
        Source: HDB
  • I want to sell HDB resale flat through a salesperson. When must I submit the Resale Checklist for Sellers to HDB?

    You are required to observe a 7-day cooling-off period after you have endorsed and submitted the Resale Checklist for Sellers to HDB before you can grant an Option to Purchase to a buyer. Your salesperson is required to go though the Resale Checklist with you not more than one day before you submit the Resale Checklist to HDB.
    If you are buying another HDB flat (new/resale/DBSS) and taking HDB/bank loan, your salesperson is also required to work out the following and submit them to you for endorsement and submission to HDB:
    • Estimated Sale Proceeds for current flat; and
    • Financial Plan for next flat purchase
    I am the only owner of my HDB flat and I intend to sell my HDB flat. Do I need my spouse’s consent to sell?

    Before you put-up your HDB flat for sale, please take note that even though your spouse is only an occupier (not an owner) of your HDB flat, your spouse must be present during the First Appointment with HDB and give consent for the sale by signing the “Spouse Consent to Resale” form & the “Acknowledgement by Spouse” form in the presence of the HDB officer, failing which the sale of your HDB flat will be rejected by HDB.
    I intend to upgrade to a bigger HDB resale flat. Will I be able to qualify for the higher LTV limit of 80% in a bank loan for the purchase of the bigger HDB resale flat?

    Yes, you will automatically qualify for the higher LTV limit of 80% in a bank loan for the purchase of the bigger HDB resale flat. This is because you are required by HDB to sell your existing HDB flat within 6 months of taking possession of the bigger HDB resale flat.
    You will be required to provide your banker a copy of the signed undertaking to HDB committing to complete the sale of your existing HDB flat within the period stipulated in the undertaking.
    What is the formula to calculate the cash proceeds of my HDB sale?

    The formula to calculate the cash proceeds from the sale of your HDB flat is as follows:
  • Resale price
  • Less outstanding loan (For HDB loan, get from HDB website with SingPass* or for bank loan, get statement from bank)
  • Less Resale Levy (if any)
  • Less CPF used plus accrued interest (From CPF website with SingPass*)
  • Less Deposit received
  • Less Upgrading Costs (if any)
  • Less arrears to HDB (if any)

  • You can use the HDB Sale Proceeds Calculator at www.hdb.gov.sg
    *Can apply SingPass through Internet
    If the cash proceeds is negative, the Deposit received must be paid to HDB to return to your CPF account
    I intend to sell my HDB flat. When must I engage a lawyer to give notice to my banker to discharge my outstanding bank loan?

    You should engage a lawyer immediately after your buyer has exercised the Option to Purchase. This is to enable your appointed lawyer to give immediate notice to your banker to discharge your outstanding bank loan otherwise you may have to pay interest to the bank in lieu of such notice. You have a choice to engage HDB for the conveyancing plus an outside lawyer to discharge the bank loan or have one outside lawyer to do both. If you don't know of any outside lawyer, you can ask your salesperson to recommend one lawyer to you.
    I want to sell my HDB shophouse. Do I have to pay GST on the whole 2 storey HDB shophouse or only on the 1st storey shop?

    You have to pay GST on the sale of your 2 storey HDB shophouse only if you are GST registered. The GST will be calculated based only on the portion of your 2 storey HDB shophouse that is approved for non-residential use. If your 2nd storey is approved for residential use only, it will not be subject to GST. You can engage a professional valuer to apportion the value of your 1st storey shop for the purpose of computing the GST payable. It is recommended that you check with IRAS for confirmation.
    Property tips to lease out a private property/ HDB flat or room:
    What is URA's guideline regarding short term rental for private residential properties?

    URA's guideline is that residential properties or their individual rooms within the premises should not be rented out on a daily, weekly or monthly basis. Such short-term occupancy, with transient occupiers, creates disturbances and inconveniences to other bona fide residents in the development. Premises that are approved for residential use are for longer term stays of 6 months or more. The leasing of residential properties (whole unit) or subletting of rooms for residential purpose should be for long term stays of 6 months or more by the same occupiers.
    What is the maximum number of tenants allowed in a private residential property?

    To prevent overcrowding to the neighbouring residents, the maximum allowable occupancy of a residential unit (inclusive of the owner if he is living within the premises) shall be based on 10 sq m per occupant subject to a maximum cap of 8 occupants. This occupancy guideline does not apply if the entire unit is occupied by a family with no subletting involved. You should make sure that your salesperson who listed your Singapore property for rent complies with this URA guideline.
    My salesperson found the tenants for my Singapore property for rent. Can I just leave it to my salesperson to perform all the due diligence checks?

    Even though your salesperson must perform due diligence checks on the tenants, you are also required by law to perform due diligence checks as well. This provides another layer of check to eradicate and prevent the harbouring of illegal immigrants and overstayers. If the Landlord is found guilty of not performing the due diligence checks, the penalty is a minimum of 6 months to 2 years jail & a fine not exceeding $6,000.
    My salesperson has secured a group of tenants for my Singapore property for rent, what are the due diligence checks required of me as the landlord?

    1. Check the original immigration/ work or other passes of the tenant for forgery
    2. Cross-check particulars of these passes with the original passports and check photographs with the actual person
    3. Check the validity of immigration passes (such as Student Pass, Professional Visit Pass and Social Visit Pass) with the Immigration & Checkpoints Authority of Singapore or the validity of work or other passes (such as Work Permit, Employment Pass and Dependent's Pass) with the Ministry of Manpower (MOM)
    What are the various methods to verify immigration passes and work passes?

  • By internet:
  • To verify immigration passes (Long Term Visit Pass and Student's Pass) from Immigration and Checkpoints Authority:
    - Go to "Home", move mouse to "Immigration Services" and click "Immigation Pass Check"

  • To verify work passes (Work Permit, Employment Pass and Dependant's Pass) from Ministry of Manpower:
    - Go to "Home", move mouse to "Immigration Services" and click "Work Permit Check" or "Employment Pass Check"

  • By telephone:
  • Contacts to verify the status of the foreigner:
  • Immigration & Checkpoints Authority at Tel: 6391-6100 (for immigration passes)
  • MOM at Tel: 6438-5122 (for work passes)

  • In person:
  • Check with Immigration & Checkpoints Authority or MOM during office hours to verify the authenticity of the immigration or work passes
  • Must I get approval from HDB to sublet my whole HDB flat?

    HDB flats sold under the Home Ownership scheme are meant for owner-occupation by the owner and their families. However, flat owners who meet the eligibility condition can apply to rent out their whole flat. To sublet the whole flat, you are required to get prior approval from HDB.
    How to apply for approval to sublet my whole HDB flat?

    An owner must obtain HDB's approval before subletting the whole flat. To submit the application online, go to "Home", move mouse to "HDB Resources", click "HDB Portal" and click "Login to My HDBPage". If the owner is overseas, there must be a properly appointed Attorney to act for him in the management of the flat. A certified true copy of the Power of Attorney (POA) must be furnished. There is an administrative fee of $20/- for each subletting application.

    Maximum subletting period is 3 years per subletting approval. However, if subletting involves non-Malaysian non-citizen subtenants, the maximum period of subletting per application is 1.5 years. Renewal approval is required when existing subletting period has expired.
    What is the Minimum Occupation Period for HDB flat before I am eligible to sublet?

    To sublet the whole HDB flat, owners need to satisfy the following conditions of a 3-year or 5-year Minimum Occupation Period (MOP).

    Can sublet whole HDB flat after a 3-year MOP, if the flat is:
  • A non-subsidised flat (flat purchased from the open market without a CPF Housing Grant) and the application for the purchase was received by HDB before 30 Aug 2010

  • Can sublet whole HDB flat after 5-year MOP, if the flat is:
  • A subsidised flat (flat purchased directly from HDB or from the open market with a CPF Housing Grant)
  • A non-subsidised flat (flat purchased from the open market without a CPF Housing Grant) and the application for the purchase was received by HDB on or after 30 Aug 2010
  • Who are eligible to be subtenants of HDB flats?

    The subtenants must be SC or SPR or non-citizens legally residing in Singapore. For example: holders of Employment Passes, S Passes, Work Permits, Student Passes, Dependant Passes, Professional Visit Passes and Long Term Social Visit Passes (must have validity period of at least 6 months at the date of subletting application).

    Work Permit holders from the construction, marine and process sectors must be Malaysians (Such Work Permit holders from other countries are not allowed).

    Subtenants must not be owners of Executive Condominium units where the 5-year minimum occupation period has not been met.

    Flat owners are not allowed to sublet the flat on a short term basis. The period of subletting to each subtenant per application must not be less than 6 months. Tourists are not allowed to rent HDB flats.
    What is the max no. of subtenants allowed per HDB flat type?

    The maximum number of subtenants allowed in each flat type is as follows:

    HDB Flat Type No. of persons
    1-room and 2-room 4 persons
    3-room 6 persons
    4-room and above 9 persons
      Source: HDB
    Must I get approval from HDB for room rental?

    No approval is required for room rental but you must register with HDB and continue to live in the flat during the period of renting out the room and comply with all other subletting conditions. To register with HDB, go to "Home", move mouse to "HDB Resources", click "HDB Portal" and click "Login to MY HDBPage".
    I have a HDB flat and I want to sublet my spare room(s). What is the maximum no. of bedrooms and occupants allowed for each HDB flat type?

    The maximum no. of rooms & occupants* allowed for a HDB flat owner to have room(s) for rent in Singapore are as follows:

    HDB 3 room flat = 1 bedroom & total 6 persons*
    HDB 4 room flat & above = 2 bedrooms & total 9 persons*
    (*includes owners, authorised occupants and subtenants)

    Only 3 room & above HDB flats are allowed to sublet room(s). 1 room & 2 room HDB flats are NOT allowed to sublet any room.
    How to register with HDB for room rental?

    You must register with HDB within 7 days from date of subletting. The penalty for non-compliance is a fine up to $3,000 and for repeat offenders, HDB can compulsorily acquire flat. You can register online at My HDBPage at www.hdb.gov.sg.

    You must also notify HDB whenever there is:

  • Renewal
  • Termination
  • Changes in subtenant particulars
  • I have a Singapore residential property for rent, how much is the property tax if I rent-out the whole Singapore residential property?

    The property tax rate for non-residential residential property is 10% of the annual value.

    The progressive property tax rates for non-owner-occupied residential property is as follows:

    Annual value Effective 1/1/2014 Effective 1/1/2015
     First $30,000
    10%
     10%
     Next $15,000
     11%  12%
     Next $15,000
     13%  14%
     Next $15,000
     15%  16%
     Next $15,000
     17%  18%
     After $90,000
     19%  20%
    My wife and I are both SPRs and we have exceeded the MOP for our HDB resale flat. Can we sublet our whole HDB flat?

    No, starting from 12/1/2013, SPR households (all SPR owners) will no longer be allowed to sublet their whole HDB flat. This new rule will apply to existing SPR households owning a HDB flat and SPR households who intend to buy a resale HDB flat. SPR households will continue to be able to sublet rooms. SPR households who have been approved by the HDB to sublet their whole HDB flats prior to 12/1/2013 will be allowed to continue with the subletting arrangement for the remainder of the approved duration.

    If the owners consist of a SPR and a Singaporean, it shall be treated as Singaporean households and hence it will not be affected by the new rule.
    Can I lease out my private residential property to a group of foreign workers?

    According to URA guidelines, a private residential property is not allowed be used as workers' dormitory. A private residential property is deemed to be a workers' dormitory if the total number of workers staying there exceeds 8. A workers' dormitory is defined as a premises used for lodging of workers who may be unrelated by blood, marriage or adoption or legal guardianship.

    If the total number of workers staying in the private residential property does not exceed 8, you are allowed to lease out your premises to workers for residential purpose.

    In other words, for your private residential property, you are permitted to lease out your premises to foreign workers of any country so long as the total number of foreign workers in your premises does not exceed 8.
    Property tips to rent a private property/ HDB flat or room:
    How to calculate the amount of lease stamp duty that I would have to pay?

    The calculation for the lease stamp duty is as follows:
    Where average annual rent (AAR) exceeds $1,000:
    a) For lease period of 4 years or less, the stamp duty is 0.4% of the total rent for the period of lease (rounded down to the nearest dollar).
    b) For lease period more than 4 years, the stamp duty is 0.4% of 4 times the AAR for the period of the lease (rounded down to the nearest dollar).

    The market practice is for the Tenant to pay for the lease stamp duty.
    What is the procedure to open an utility account?

  • Address of SP Services Ltd:
    111 Somerset Road, #01-10
    TripleOne Somerset
  •      Singapore 238164

  • For enquires - Call 1800 2222333

  • For application:
  • By internet:
  • Go to "Home"
  • Move mouse to "Online Application"
  • Click "Open Utilities Account"
  • Click "Our Business" then "SP Services".

  • By fax: 63048229
  • Copy of signed SP Services application form
  • Copy of NRIC / Passport / Work Pass / ROC search
  • Copy of Tenancy Agreementor proof of ownership
  • Copy of a completed GIRO application form (if payment is by GIRO)

  • In person: 111 Somerset Road #01-10, TripleOne Somerset or HDB Hub, Podium A, 2nd storey

  • It takes normally 3 working days to connect

  • For City Gas: If piped domestic gas is required apply for gas turn-on at 1800-5551661 for by appointment after opening SP Services account.

  • Deposit required (for Non GIRO)

      SC/SPR/Co Foreigners
    HDB 1/2 RM $60 $120
    HDB 3/4/5 RM $100 $200
    HDBE/HUDC/TERRACE $150 $300
    APTS/SEMI-D $250 $500
    BUNGALOW $400 $800
    What is the procedure to sign-up for a telephone land-line account with SingTel?

  • For new connection:
  • Tenant can apply at any SingTel shop, Post Office or at Comcentre@31 Exter Road
  • If apply on behalf of Tenant, an authorization letter is required.
  • For locals, the NRIC is required
  • For foreigner, the following are required:
  • Passport/ entry permit
  • Employment Pass/ Work Permit
  • $200/- deposit except for PR or Employment Pass
  • Copy of tenancy agreement or proof of ownership
  • For termination, Landlord or Tenant to call:
  • 1688 (Residential line) OR
  • 1606 (Commercial line)
  • 5 days notice required
  • I am an owner of a HDB flat. Under what circumstances can I be a subtenant of another HDB flat?

    Generally a HDB owner is not allowed to be the subtenant of another HDB flat except under the following conditions:

  • HDB flat owners who are divorced/legally separated and only one of the divorced/legally separated parties may be a subtenant.
  • HDB flat owners who are eligible to sublet their whole HDB flat and they must sublet their own flat within 1 month after having rented a flat from another flat owner.
  • HDB flat owners who are eligible to sublet their whole flat but they are not able to sublet their own flat after they move out of their flat as there are other occupiers remaining behind.
  • I am currently renting a condo unit. I want to start a small business; can I use the condo unit as a home office? What is the procedure?

    It depends on whether your type of business is permitted under the Home Office Scheme. If it is permitted, you can register the private residential property as a home office to conduct a small business subject to the terms and conditions of the Home Office Scheme. Anyone who is the owner, tenant or any authorised occupier of the private residential property can register to operate as a Home Office. Since you are not the owner, you will need the written consent from the owner before you can register for Home Office use. To register, go to "Home", move mouse to "Online Application" and click "Licences".
    I am a 19 year old foreign student studying in Singapore and I want to rent an apartment for myself. Am I allowed to sign a Tenancy Agreement?

    Yes, anybody that is at least 18 years old can sign a tenancy agreement to rent a property in Singapore. However, if you are between 18 years old and 21 years old, you can only sign a tenancy agreement for a lease period of up to 3 years only.
    Can I sign a normal 4 year tenancy agreement with an option to extend for another 4 years?

    No, you cannot sign a normal tenancy agreement when the lease period (including the option to extend period) exceeds 7 years. The agreement must be in a form of a Deed otherwise it is void and the Deed should be prepared by a lawyer. The maximum lease period (including the option to extend period) for a normal tenancy agreement is 7 years.
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