The five conditions
Every EC purchase comes down to these. Miss one and the booking cannot go through, however ready you are to pay.
| Condition | What HDB asks for |
|---|---|
| Family nucleus | You apply under one of four schemes. There is no route for a single buyer on their own. |
| Citizenship | The main applicant is a Singapore Citizen. At least one other person in the application is a Citizen or a PR. |
| Age | 21 and above for most schemes. 35 and above under the Joint Singles Scheme. |
| Income | Combined gross monthly household income within the ceiling that applies to the project. |
| Property | No private property owned or disposed of in the last 30 months, and no more than two subsidised housing purchases in your lifetime. |
The four schemes
You need to fit one of these. The scheme decides who has to be in the application with you.
| Scheme | Who it covers | Age |
|---|---|---|
| Public | You with your spouse and children, or with your parents and siblings. Also a widowed or divorced parent with children in their custody. | 21+ |
| Fiancé–Fiancée | A couple who are not married yet. You register the marriage within three months of collecting keys. | 21+ |
| Orphans | Unmarried siblings whose parents have both died. At least one parent was a Citizen or PR. | 21+ |
| Joint Singles | Up to four single Singapore Citizens buying together. PRs cannot apply under this scheme. | 35+ |
The income ceiling
HDB looks at the combined gross monthly income of everyone in the application, averaged over the last 12 months, before CPF and tax.
For Wynwood Grand the ceiling is S$16,000. The ceiling was raised to S$18,000 at the 2026 National Day Rally, but that applies to EC land parcels whose tender closed on or after 24 August 2026. Wynwood Grand's land tender closed in August 2025, so it keeps the S$16,000 ceiling.
| Counted | Not counted |
|---|---|
| Basic salary, allowances, overtime, commissions, stipends, and net trade income if you are self-employed | Bonuses and AWS, rental income, pensions, investment returns, ex-gratia payments and CPF payouts |
Property you own or used to own
- The 30-month rule. If you own or have disposed of private residential property, here or overseas, the 30 months are counted from legal completion and must be over before you apply.
- Two bites only. An EC counts as subsidised housing. Across HDB flats, DBSS and ECs, you get two in a lifetime.
- Still holding an HDB flat? You can buy an EC, but the flat must have completed its MOP, and it has to be sold within six months of collecting your EC keys.
Grants
The CPF Family Grant is the main one for a new EC. It tapers off as income rises and stops above S$12,000.
| Household income | Both Citizens | Citizen + PR | First-timer + second-timer |
|---|---|---|---|
| S$10,000 and below | S$30,000 | S$20,000 | S$15,000 |
| S$10,001 – S$11,000 | S$20,000 | S$10,000 | S$10,000 |
| S$11,001 – S$12,000 | S$10,000 | Nil | S$5,000 |
| Above S$12,000 | Nil | Nil | Nil |
If a PR in the household becomes a Citizen later, there is a S$10,000 Citizen Top-Up to claim, within the window HDB sets.
Resale levy
If this is your second subsidised purchase and you sold the first one on or after 3 March 2006, a levy is payable. It is a flat amount based on the property you had before.
| Previous flat | Levy |
|---|---|
| 2-room | S$15,000 |
| 3-room | S$30,000 |
| 4-room | S$40,000 |
| 5-room | S$45,000 |
| Executive flat | S$50,000 |
| Executive condominium | S$55,000 |
Buying a resale EC on the open market does not attract a levy.
After you buy
An EC starts life under HDB rules and becomes fully private later.
| Land tender closed before 8 May 2026 | Land tender closed from 8 May 2026 | |
|---|---|---|
| Minimum occupation period | 5 years from TOP | 10 years from TOP |
| Full privatisation | 10 years from TOP | 15 years from TOP |
Wynwood Grand sits in the first column. Its tender closed on 5 August 2025, before the May 2026 changes, so the 5-year MOP and 10-year privatisation apply. Confirm this with HDB and the developer before you commit.
- During the MOP you have to live in the unit. You cannot sell or rent out the whole flat, and you cannot buy local private residential property.
- After the MOP, before privatisation you can sell or rent to Singapore Citizens and PRs.
- After privatisation the unit can be sold to foreigners and companies, like any private condo.
Paying for it
- A new EC is bought with a bank loan. HDB loans are for HDB flats, not ECs.
- Your home loan repayment is capped at 30% of gross monthly income under the Mortgage Servicing Ratio.
- All your debt repayments together are capped at 55% under the Total Debt Servicing Ratio.
- Stamp duty, legal fees and the option fee sit outside the loan, so plan for cash on hand.
This page summarises HDB's published conditions as at September 2026 and is written to help you get your bearings. It is not an HDB decision and rules do change. Check your own case with HDB before you book anything.
Not sure where you stand?
Answer a few questions and a CEA-licensed salesperson will go through it with you.