What is the Single Singapore Citizen (SSC) scheme and how exactly does it benefit the singles who qualify?

Posted on 02 Aug 2013 |

In July 2013, the SSC scheme was enhanced to allow singles to buy a 2-room flat in a non-mature estate directly from HDB. What this means now is that singles have more housing options, and are not limited to buying HDB flats from the resale market. This new move also spells more good news for lower income singles in particular, as the prices have been made attractive and affordable with the grants offered.

In the excitement of the long-awaited measure, some may have missed the finer details of what was announced, which outlines who qualifies for what benefit, and how the policy and pricing principles work.

Let us provide at a glance as clear a picture as possible of the SSC scheme and exactly how it applies to the target group of singles.

Who is eligible to apply for a new BTO flat under the SSC scheme?

Singaporeans who are:Eligibility Criteria
  • First-Timer
  • Aged 35 years and above
  • Earns up to $5,000 a month
  • Does not own any private residential property or has disposed such a property in the past 30 months
    * Eligible singles can buy a 2-room BTO flat in a non-mature estate
    (not applying for a HDB flat with any child)
    (not applying for a HDB flat with any child)

      You may have heard and read many things about the singles scheme online, since the July 2013 BTO Sales Launch began on 30 Jul 2013. Find out if your understanding of the scheme is accurate.

        Misperception Fact
        Singles get an outright $30,000 grant when they purchase a 2-room flat from HDB.The amount of AHG and SHG disbursed to eligible singles is tiered according to their monthly income levels. In other words, not everyone will qualify for the $30,000 grant.

        The maximum sum of $30,000 is the grant amount that singles earning up to $750 can receive from the AHG and SHG for singles.
        Singles applying under the SSC can buy a new 2-room flat at Vine Grove @ Yishun in the July 2013 Sales Launch at $16,000 with grants when the starting price (excluding grants) was $76,000.The $16,000 selling price (including grants) for a 2-room flat at Vine Grove @ Yishun was cited by media outlets as an example of the lowest priced unit offered in the July 2013 Sales Launch.

        The $16,000 price tag is applicable only to applicants who register as a family nucleus or under the Joint Singles Scheme (JSS), and will qualify for the maximum AHG and SHG amount of $60,000, based on a household income of not more than $1,500.

        Singles applying under the SSC are eligible for the AHG and SHG for singles, if they meet the eligibility conditions.

        The maximum grant amount (AHG + SHG) that they would be eligible for is $30,000. Using the example of the $76,000 unit at Vine Grove @ Yishun, and taking into account the additional $15,000 that singles have to pay, the lowest possible price of a 2-room flat for singles would be $61,000.
        Singles buying flats from HDB with their families can only purchase 2-room flats.Singles can only buy 2-room BTO flats in non-mature estates from HDB if they apply under the SSC or the JSS.

        Applicants looking to buy flats with their parents under the Public scheme can purchase any flat type. Those who are orphans may also buy any flat type with their unmarried siblings under the Orphans Scheme.
        HDB is discouraging singles from purchasing flats by imposing an additional $15,000 fee.Our public housing policies remain oriented towards the family, and that is why they are heavily subsidised for families with at least two members.

        Singles will enjoy lower subsidy than families after paying an additional $15,000 on top of the purchase price of the flat. However, they can apply for the CPF Top-Up Grant after marriage.

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