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EC Eligibility / Financing

VERIFY YOUR ELIGIBILITY

These are the questions that you have to ask yourself to determine whether you are eligible to purchase an Executive Condominium (EC) or not. Please spend some time to review each question and answer to the best of your knowledge.

Q1. Are you a Singaporean Citizen (SC) or Singapore Permanent Resident (SPR)?
(A) YES – Your family nucleus has 2SC or 1SC+1SPR
(B) NO – You are not eligible to purchase EC

Q2. What is your total household gross income?
(A) Less than S$12,000 – Proceed to Q3
(B) More than S$12,000 – You are not eligible to purchase EC

Q3. Have you bought directly from HDB more than once or taken any grant from HDB?
(A) NO – Proceed to Q4
(B) YES – Bought twice from HDB or Taken grant and bought once from HDB

Q4. Do you currently own any private properties?
(A) NO – Proceed to Q5
(B) YES – You are not eligible to purchase EC

Q5. If you had previously owned any private properties, did you sell your private properties within the last 30 months?
(A) NO – Proceed to Q6
(B) YES – You are not eligible to purchase EC

You are eligible to purchase an EC only if you have answered (A) to all five questions above. You will not be eligible if you had answered (B) for any of these five questions. Please contact me to confirm your eligibility if you are unable to answer any of these questions. I will be glad to help you confirm your status.

Q6. Which scheme will you be using to purchase the EC?
(A) Public (family) scheme (min 1 SC + 1 SPR)
(B) Fiance/Fiancee scheme (min 1 SC + 1 SPR)
(C) Orphan scheme (min 1 SC + 1 SPR)
(D) Joint Singles scheme (both must be SC)

Note: Take note of the citizenship criterias listed in all four options above.

DOCUMENTS CHECKLIST (FOR QUALIFIED BUYERS)

(1) Proof of Identity/Citizenship

  • Singapore Citizen (SC) – Pink Identity card.
  • Employed by SAF/Civil Defence/Police Force – Certified true copy of Pink/Blue Identity card.
  • Singapore Permanent Resident (SPR) – Blue Identity card.
  • SPR who has just obtained citizenship – Pink collection slip issued by ICA.

(2) Proof of Relationship and Marital Status

(A) Public Scheme

Applicant; spouse, children, parents (if any); and siblings (if any):

  • Marriage certificate(s)
  • Birth certificate(s)

Applicant (divorced); children (if any) and parents (if any):

  • Final judgement
  • Order of court/custody documents (children under legal custody, care and control)
  • Legal adoption papers
  • Birth certificate(s)

Applicant (widowed); children (if any) and parents (if any):

  • Marriage certificate
  • Death certificate of spouse
  • Birth certificate(s)

(B) Fiance/Fiancee Scheme

Applicant and fiance/fiance

  • Consent to marriage of a minor (above 18 and below 21 years old)
  • Marriage certificate

(C) Orphan Scheme

Applicant and unmarried sibling(s)

  • Birth certificate(s)
  • Parents’ Death Certificates and marriage certificate

(D) Joint Singles Scheme

Applicant and any other single person

  • Both MUST be Singapore Citizen (SC)
  • Both MUST be at least 35 years old
 

(3) Proof of Income

(A) Employed person (full time with fixed income)

  • Latest 3 months’ original pay slips (i.e. pay slips issued for the month of application and preceding 2 months); or
  • Income letter from employer (which must bear either the company letterhead or stamp plus name and designation of the signatory) indicating that the applicant has been employed and at least 3 months’ gross monthly income (i.e. gross monthly income for the month of application and preceding 2 months) of the employed person.

(B) Self employed person

  • Latest 12 months’ salary based on Notice of Assessment (NOA); or
  • Statement of annual accounts certified by an audit form to confirm income for the past 12 months; AND
  • Valid Accounting & Corporate Regulatory Authority (ACRA) computer information (business profile)/valid license of business/trade; AND
  • Statutory declaration* to declare the average monthly income for the past 12 months.

(*Statutory declaration may be executed at the sales office at HDB Hub or at any HDB branch office on or after the booking date.)

(C) Commission based person

  • Latest 12 months’ commission/pay slips (as at date of application); or
  • Letter from employer (which must bear either the company letterhead or stamp plus name and designation of the signatory) indicating past 12 months?commission as at date of application and Notice of Assessment (NOA) from IRAS (if applicable).

(D) Part-time worker

  • Latest 12 months’ pay slips; or
  • Recent letter from employer (which must bear either the company letterhead or stamp plus name and designation of the signatory) indicating that the person has been employed and his/her past 12 months salary as at date of application.

(E) Odd-job worker

  • Latest salary for 12 months based on latest and previous years?Notice of Assessment (NOA) from IRAS; or
  • Recent letter from employer (which must bear either the company letterhead or stamp plus name and designation of the signatory) indicating salaries for the last 12 months.

(F) Unemployed person

  • Statutory Declaration* to declare the period of unemployment with no income; or
  • Copy of Student Pass or letter from school/college/institute of learning for persons who are 18 years old and above to confirm student status.
  • If the applicant(s)/occupier(s) is/are unemployed for fewer than 3 months, the applicant(s)/occupier(s) must submit income proof from past employer/trade.
 
 
 
 

Payment Scheme

Normal Payment Scheme

(Progressive)

Stage Percentage
Upon the grant of Option to Purchase 5% (Booking Fee)
Upon signing of the Sale & Purchase Agreement or within 9 weeks from the Option date 15%
Completion of foundation work 10%
Completion of reinforced concrete framework 10%
Completion of brick walls 5%
Completion of roofing /ceiling 5%
Completion of electrical wiring, internal plastering, plumbing & installation of door & window frames 5%
Completion of car park, roads & drains serving the housing project 5%
Notice of Vacant Possession (TOP) 25%
On Completion Date 15%

Deferred Payment Scheme

Deferred Payment Scheme (DPS) basically let the buyer defer the 80% payment till the project TOP. No loan repayment is require during this period. However, the purchase price on DPS is usually 2-3% higher the normal price.

DPS gives 2nd timer with existing loan repayment some flexibility in manageing their finances. Buyer do not need to handle two mortgage loans at the same time, and buyer also need to pay only 20% for Down-payment. However, there are terms & conditions when using this scheme. Executive Condo Buyer is require to sell off their HDB flat 6 months before TOP.

Stage Percentage
Upon the grant of Option to Purchase 5% (Booking Fee)
Upon signing of the Sale & Purchase Agreement or within 9 weeks from the Option date 15%
Notice of Vacant Possession (TOP) 65%
On Completion Date
District 1
Marina Bay Condo | Shenton Way Commercial | Marina Bayfront Condo | Central Boulevard Condo | Central Boulevard Towers | Marina View | V on Shenton | Marina South Pier Condo | Marina One Residences | Shenton Way Condo |
District 2
Pearl Bank En Bloc | Outram Park MRT Condo | Outram Road Condo | Pearl Bank Apartments | Asia Gardens | Asia Gardens En Bloc | Normanton Park Condo | Normanton Park En Bloc | Tanjong Pagar Condo | Tanjong Pagar Commercial | Greater Southern Waterfront | Wallich Residence | Tanjong Pagar Centre |
District 3
Queenstown Condo | Queens Peak Condo | Dundee Road Condo | Margaret Ville | Margaret Drive Condo | Alexandra View Condo | Prince Charles Crescent Condo | Rest of Central Region Condo | Principal Garden | Silat Avenue Condo | Jalan Bukit Merah Condo | Kampong Bahru Road Condo | Stirling Road Condo | Stirling Residences | Commonwealth Avenue Condo | The Crest @ Prince Charles Crescent | Commonwealth Towers | Highline Residences | Alex Residences |
District 4
Corals at Keppel Bay | Skyline Residences | Reflections at Keppel Bay |
District 5
Park West Condominium En-Bloc | West Coast Vale Condo | Park West Condominium | Parc Riviera | The Trilinq | Bijou | West Coast Way Condo | Clementi Avenue 1 Condo | Jalan Lempeng Condo |
District 7
CityGate Condo | Tan Quee Lan Street Condo | Middle Road Condo | South Beach Residences | Duo Residences | Beach Road Bugis Rochor Condo | Beach Road Commercial | Golden Mile Complex | Textile Centre | Golden Mile Complex En Bloc | Textile Centre En Bloc | The Oasis |
District 8
Selegie Road Condo | Peace Centre Mansions En Bloc | Sophia Road Condo | Perumal Road Condo | Uptown at Farrer | LYF | Tessensohn Residence |
District 9
Cairnhill Mansions En Bloc | Orchard Bel-Air En-Bloc | Pacific Mansions En Bloc | Robertson Quay Condo | Paterson Road Condo | Cavenagh Gardens En-Bloc | Cavenagh Gardens | Cavenagh Road Condo | Orchard Boulevard Road Condo | Orchard Road Condo | Scotts Road Condo | Cairnhill Road Condo | Riviera Point | Cairnhill Mansions | One Tree Hill | River Valley Road Condo | Martin Place Condo | Martin Modern | Kim Seng Road Condo | Handy Road Condo | Jiak Kim Street Condo | New Pacific Mansions 123456 | Pacific Mansions | Great World MRT Station Condo | Martin Place Residences | The Rise at Oxley Residences | Orchard Paterson Cairnhill Road Condo | Core Central Region Condo | Robertson Quay Condo | Paterson Collection | St Thomas Walk | Leonie Hill Road Condo | Horizon Towers | Leonie Gardens | New Futura | Cairnhill Nine | 3 Orchard by the Park | Twin Peaks |
District 10
Grange Road Condo | Farrer Road Condo | Tulip Gardens En Bloc | Tulip Garden | Tanglin Road Condo | Jervois Gardens | Crystal Towers | Balmoral Road Condo | Jervois Road Condo | Tanglin Shopping Centre En Bloc | Tanglin Shopping Centre | Jervois Gardens En Bloc | Spring Grove En Bloc | Spring Grove | Hallmark Residences | Ewe Boon Road Condo | Bukit Timah Road Condo | Robin Suites | Cluny Park Residence | Cuscaden Road Condo | Boulevard 88 | Pollen and Bleu | Leedon Residence | Gramercy Park | Ardmore Three 3 | Sculptura Ardmore | RV Residences | Robin Residences | 18 Nouvel@ Anderson Road | Holland Road Condo | The Estoril | The Estoril En Bloc | Hollandia En Bloc | Hollandia | TwentyOne Angullia Park | D'Leedon | Mon Jervois | Holland Village Condo | Toho Mansion | Toho Mansion En Bloc |
District 11
Chancery Court En Bloc | Chancery Court Condo | Thomson Road Condo | Novena Condo | Newton Road Condo | Dunearn Road Condo | Dunearn Court Condo | Derby Court | Derbyshire Road Condo |
District 12
Balestier Road Condo | Toa Payoh Condo | Neem Tree | Riverbay | Boon Teck Towers | Eight Riversuites | Boon Teck Towers En Bloc | Gem Residences | Kallang Riverside Condo |
District 13
Woodleigh Residences | Upper Serangoon Road Condo | Park Colonial | Woodleigh Lane Condo | Woodleigh MRT Condo | Woodleigh Condo | Woodleigh Link Condo | Bidadari New Estate Condo | Upper Aljunied Road Condo | Tre Ver | Raintree Gardens | Potong Pasir Avenue 1 Condo | Potong Pasir Condo | The Maisons | The Quinn | Mattar Road Condo | The Poiz Residences | The Venue Residences | Sant Ritz |
District 14
Eunos Condo | Eunos MRT Condo | Sims Avenue Condo | Changi Road Condo | Parc Esta | Eunosville | Eunosville En Bloc | City Plaza | City Plaza En Bloc | Paya Lebar Road Condo | Sims Drive Condo | Park Place Residences | Park Palace Residences | Paya Lebar Quarters | Sims Avenue Condo | Paya Lebar Central |
District 15
Albracca | Siglap MRT Station Condo | Marine Parade Road Condo | Casa Meyfort Condo | Nanak Mansions | Meyerbank | Nyon | Amber Park | The Opus | Parkway Mansion | Amber Park En Bloc | Hawaii Tower En Bloc | Parkway Mansion En Bloc | Albracca En Bloc | Laguna Park | Laguna Park En Bloc | Tanjong Katong MRT Station Condo | Meyer Road Condo | Hawaii Tower | Katong Park MRT Condo | Katong Park Towers | Amber Gardens Condo | Amber Road Condo | Neptune Court | Neptune Court En Bloc | Lagoon View | Lagoon View En Bloc | East Coast Marine Parade Condo | Katong Shopping Centre | Katong Shopping Centre En Bloc | Mountbatten Road Condo |
District 16
Siglap Road Condo | Mandarin Gardens | Mandarin Gardens En Bloc | New Upper Changi Road Condo | The Glades | Bedok South Condo |
District 17
The Inflora |
District 18
Tampines Court | Treasure at Tampines | Tampines Court En Bloc | Tampines Street 11 Condo | Tampines Avenue 10 Condo | The Alps Residences | The Santorini | Coco Palms |
District 19
Florence Regency En-Bloc | Florence Residences | Florence Regency | Rio Casa | Kensington Park En-Bloc | Kensington Park | Serangoon Ville | Serangoon Ville En Bloc | Forestwood Residences | Hougang Avenue 2 Condo | Hougang Condo | Riverfront Residences | Hougang Avenue 7 Condo | Affinity | Serangoon North Avenue 1 Condo | The Garden Residences | New Condo | Serangoon Gardens Condo | Serangoon Central Condo | Lorong Lew Lian Condo | Riverbank Sengkang West Way Condominium | Yio Chu Kang Road Condo | Toho Green | Rivertrees Residences | Parc Botannia | Fernvale Road Condo | High Park Residences | Sengkang West Condo | New Tampines Road Condo | Kingsford Waterbay | Botanique at Bartley | Buangkok Condo | Buangkok MRT Station Condo | Sengkang Central Condo |
District 20
Shunfu Ville | Marymount Road Condo | Braddell View En Bloc | Braddell View | Shunfu Road Condo | Jade Scape | Shunfu Residences | Far Horizon Gardens | Far Horizon Gardens En Bloc | Ang Mo Kio Avenue 9 Condo | Faber Gardens | New Lorong Puntong Condo | Thomson Impressions Condo | Adana | Panorama | Upper Thomson Road Condo | Yio Chu Kang Road Condo | Lentor Road Condo | Lentor Drive Condo |
District 21
Beauty World Condo | Goh & Goh Building En Bloc | Pine Grove | Pandan Valley Condo | Ridgewood Condo | Ridgewood Condo En Bloc | Mayfair Collection | Mayfair Gardens Condo | Mayfair Modern | King Albert Park MRT Station Condo | Mount Sinai Condo | Ulu Pandan Road Condo | Pine Grove En Bloc |
District 22
Jurong Condo | Lake Grande Condo | Lakeville | J Gateway |
District 23
Goodluck Garden | Toh Tuck Road Condo | Goodluck Gardens | Kismis View | Dairy Farm Road Condo | Foresque Residences | The Lanai | Hillion Residences | Bukit Batok Condo | Hillview Rise Condo |
District 25
Woodlands Square Condo | Woodlands Square Commercial | Woodlands Central Condo |
District 26
Springside Road Condo |
District 27
NorthPark Residences | Watercove Ville @ Sembawang | Canberra Drive Condo Sembawang | Canberra Link Condo Sembawang | NorthPoint City | New Yishun Ave 4 Condo | The Wisteria | Condominium Yishun Central | Symphony Suites | Yishun Avenue 9 Condo |
District 28
Jalan Kandis Condo | Kandis Residence |
Executive Condo
Parc Life EC | Choa Chu Kang Drive EC | Wandervale EC | Sol Acres EC | The Vales EC | Tampines Avenue 10 EC | Tampines EC | Signature at Yishun | Choa Chu Kang Grove EC | Choa Chu Kang Avenue 5 EC | Woodlands Avenue 12 EC | Sembawang Avenue EC | The Visionaire | Canberra Link EC Sembawang | Yishun Street 51 EC | The Criterion EC Yishun | Yio Chu Kang Road EC | New EC | Serangoon North EC | Yishun Avenue 1 EC | The Terrace EC Punggol | The Amore EC Punggol | Westwood Residences EC | Bellewaters EC Sengkang | Anchorvale Lane EC Sengkang | Rivercove Residences | Sungei Punggol Reservoir EC Sengkang | Treasure Crest EC | Anchorvale Street EC Sengkang | Anchorvale Crescent EC Sengkang | Westwood Avenue EC | Choa Chu Kang Way EC | Canberra Drive EC Sembawang | BrownStone EC | Choa Chu Kang EC | LakeLife EC Jurong | Forestville EC Woodlands | Jurong EC Jurong | Punggol Drive EC Punggol | Woodlands Avenue 5 EC Woodlands | Bellewoods EC | Sumang Walk EC Punggol | Punggol Central EC Punggol |