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HDB flats in Singapore comprise the public housing sector in Singapore, which makes up the majority of the residential housing developments here. This sector is managed by the Housing & Development Board (HDB), Singapore’s public housing authority.

Today, HDB flats have become the most common properties in Singapore as they are comparatively affordable. In fact, more than 80% of Singapore’s resident population live in HDB flats. They are also the first homes that Singaporeans purchase when they set up a family.

HDB Loan | Singapore

All HDB flats are located in housing estates, which are self-contained satellite towns with shops, supermarkets, schools, clinics, eateries, community clubs and sports and recreational facilities.

The close proximity of these amenities offer residents a lot of convenience. In addition, residents will be able to enjoy excellent access to public transportation like buses, taxis and MRT stations.

Types of HDB Flats in Singapore

HDB flats have a leasehold tenure of 99 years and come in a variety of sizes and designs, ranging from studio apartments to 2, 3, 4, 5 room units and executive units. And within each size category are different layout types, like Type Simplified, New Generation and Advanced. There is a flat type and size that will cater to your family circumstance and budget.

There are two ways you can buy a HDB flat: first-hand from the Housing and Development Board itself or from the resale market.

Buying a flat directly from HDB comes with certain criteria. There are in fact a number of schemes through which you can apply to purchase a flat directly from HDB. In general, Singapore citizens can buy a Singapore HDB flat if they are aged 21 years or more. You must have the capacity to develop a family nucleus. Finally, you will need to satisfy certain criteria in income ceiling, household status, and elapsed time prior to the submission date.

There are fewer rules to follow when you buy a resale HDB flat from the open market. These include  criteria for mortgage loan, ethnicity and income ceiling.

HDB flats will continue to dominate the housing landscape in Singapore. To find out how you can own one, call 8113 8043.