Open Booking of Flats

Application Procedure

Step 1: Submit your application online
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  • Online applications will commence from 25 September 2019, Wednesday, 12:00am.
  • After submitting your application, you will receive a queue number and selection appointment date/ time on a first-come, first-served basis, for you to book a flat (see table below).
    Waiting Time Before Booking
    Online Application Earliest Flat Booking
    After midnight and before noon, Monday to Friday In the afternoon of the same day
    After noon and before midnight, Monday to Thursday In the morning of the following day
    After noon and before midnight on Friday In the morning of the following Monday
    Saturday and Sunday In the afternoon of the following Monday
    Note:
    1. For applications received on a public holiday which falls between Monday to Friday, the earliest flat booking would be in the afternoon of the next working day.
    2. For applications received on Friday, you may be given a selection appointment on Saturday or Sunday.


  • Before committing to buying a flat, check your eligibility for a loan from HDB or a bank/ financial institution.
  • Note that you need to meet certain eligibility criteria before submitting your application. Here's how you can check your eligibility:
  • You will also need to pay a non-refundable administrative fee of $10 by credit card (Visa or MasterCard only), or by scanning the QR code using any of the supporting mobile payment apps such as NETSPay, DBS PayLah!, POSB/ DBS Digibank, UOB Mighty, and OCBC Pay Anyone.
  • If you do not have internet access and wish to visit HDB Hub or any HDB Branch to submit your application, our operating hours are:
    • Monday to Friday: 8am to 5pm
    • Saturday: 8am to 1pm
    • We are closed on Sunday and Public Holidays

Step 2: Apply for a mortgage loan
  • If you plan to take an HDB housing loan, you must have a valid HDB Loan Eligibility (HLE) Letter when booking a flat.
  • Eligible first-timer couples who are full-time students or National Servicemen, or have recently completed studies or National Service within 12 months prior to the flat application may defer the income assessment for grants and HDB housing loan till just before key collection. For this group of couples, you will need to submit your income documents to HDB for assessment of grant and housing loan when you are invited to do so during the update of the Probable Completion Date (PCD) notification, approximately 3 months before flat completion.
  • For those who book a completed flat, the income for grant and HDB housing loan will be assessed at flat booking.
  • If you are taking a bank loan, please approach any financial institution to find out the amount you can borrow. You must produce a valid Letter of Offer before signing the Agreement for Lease.

Step 3: Book your new home
  • During your selection appointment, book your choice unit and pay an option fee by NETS to book a flat. The option fee for each flat type is:

    Flat Type Option Fee
    2-room Flexi $500
    3-room $1,000
    4-/ 5-room/ 3Gen/ Executive $2,000
  • If you are taking an HDB housing loan, you must have a valid HLE letter when booking a flat, unless you meet the conditions for deferment of income assessment for grants and HDB housing loans till just before the key collection. Please note that housing loans are not available for buyers of short-lease 2-room Flexi flats.

Step 4: Sign the Agreement for Lease
  • You will be invited to sign the Agreement for Lease within 4 months from your flat selection date.
  • If you are taking a housing loan from HDB:
    • You need to pay 10% of the flat's selling price as downpayment using CPF and/ or cash
    • First-timer buyers and existing flat owners right-sizing to a 2-room Flexi or 3-room flat who qualify for the Staggered Downpayment Scheme only need to pay a 5% downpayment. The balance purchase price is payable at the time of key collection
  • If you are taking a housing loan from a bank/ financial institution:
    • You need to pay 20% of the flat's selling price as downpayment. The cash payment needed depends on the regulations and guidelines by the Monetary Authority of Singapore and the respective banks and financial institutions, which may be revised from time to time. Check out more details on taking a housing loan from the bank
    • If you are a first-timer buyer or existing flat owner right-sizing to a 2-room Flexi or 3-room flat, you only need to pay a 10% downpayment if you qualify for the Staggered Downpayment Scheme. You can pay the balance purchase price when you collect the keys to your new home
  • If you intend to purchase a short-lease 2-room Flexi flat:
    • you need to pay 10% of the flat's selling price as downpayment using CPF and/ or cash. Buyers can use the excess CPF savings in their Retirement and Ordinary Accounts, after setting aside the Basic Retirement Sum to buy the short-lease 2-room Flexi flat.
    • Existing flat owners right-sizing to a short-lease 2-room Flexi flat who qualify for the Staggered Downpayment Scheme need only pay 5% downpayment. The balance purchase price is payable at the time of keys collection.
  • You also need to pay about 1% to 3% of the flat's selling price as legal and stamp fees using CPF and/ or cash.
  • Under the Deferred Downpayment Scheme, eligible elderly flat owners who are right-sizing to a 2-room Flexi or 3-room flat can defer the downpayment on their new flat until key collection. This will help to ease the cash flow for elderly flat owners whose funds are tied up in their existing flat.

Step 5: Move into your new home
  • You will need to pay the balance of the flat's selling price with a loan from us or a bank/ financial institution, or using CPF and/ or cash. If taking an HDB housing loan, each flat buyer can retain up to $20,000 in his/ her CPF Ordinary Account and use the balance funds to pay for the flat purchase.
  • If your new home is a short-lease 2-room Flexi flat, you need to pay the balance of the flat's selling price in full using CPF and/ or cash.
  • If you have booked a completed flat and are taking a mortgage loan from HDB, you will be invited to sign the Agreement for Lease and collect the keys to your flat at the same time.
  • If you have booked a flat that is under construction, we will invite you to collect the keys to your flat when it is completed.
  • Elderly and non-elderly flat buyers who are not taking a housing loan for their new flat can apply for a temporary loan under the Temporary Loan Scheme (TLS), if eligible. The TLS assists flat buyers to collect keys to their new flats first while they are in the process of selling their existing flat.