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An HDB Executive Condominium (EC) is a unique hybrid housing type that combines the affordability of public housing with the lifestyle of private condos.Developed by private developers and sold with government subsidies, ECs are meant for Singaporeans who exceed the HDB flat income limit but find private condos out of reach.
After 10 years, an EC becomes fully privatized and can be sold freely in the open market.
At least one applicant must be a Singapore Citizen, and the other must be either a Singapore Citizen or Permanent Resident.
You must apply under one of the HDB schemes:
Public Scheme (with spouse and/or children)
Fiancé/Fiancée Scheme
Orphans Scheme
Joint Singles Scheme (only if both are aged 35 and above)
Your combined household income must not exceed $16,000 per month.
You must not own or have disposed of any private property within the last 30 months before applying for an EC.
If you currently own an HDB flat, you must have fulfilled your 5-year MOP before applying for a new EC.
Eligible first-timer applicants can receive up to $30,000 under the Family Grant or Half-Housing Grant.
The grant is credited into your CPF Ordinary Account and used towards your EC purchase price. You can find out more on the CPF Housing Grant.
EC buyers cannot take an HDB loan. All financing must be done through bank loans governed by MAS rules (TDSR 55%, LTV 75%).
You can sell your EC only after 5 years (to SC/PR buyers).
After 10 years, it becomes fully privatized and can be sold to foreigners.
If you currently own an HDB, you must sell it before key collection of your EC unit.
Under Normal Payment Scheme: sell within 6 months of TOP.
Under Deferred Payment Scheme: sell before TOP.
Find out more on different payment schemes.
Stay updated on the latest EC projects launched by top developers:
Otto Place EC – Tengah Plantation Close
Rivelle EC – Tampines Street 95
Coastal Cabana EC – Jalan Loyang Besar
Woodlands EC – Woodlands Drive 17
Senja Close EC – Bukit Panjang
Sembawang EC - Sembawang Road
Miltonia Close EC - Yishun
Each development comes with detailed floor plans, indicative pricing, and eligibility guidance.
Check Eligibility: Ensure your household meets income, citizenship, and property criteria.
Obtain Bank Loan Approval (IPA): Required before booking.
E-Application (E-AP): Register interest during the developer’s launch phase.
Balloting and Booking: Select your unit and pay the 5% booking fee.
Sign S&P Agreement: Complete within 3 weeks of booking.
Submit HDB Eligibility Check: HDB will verify your EC eligibility before S&P is issued.
Yes, but you must fulfil your MOP and sell your HDB before key collection of your EC. For detailed information on buying EC with HDB flat.
No. ECs can only be financed using bank loans, not HDB loans. For detailed information on taking HDB loan to buy EC.
Yes, if applying jointly with a Singapore Citizen. PRs cannot apply alone. For detail information on PRs buying EC.
The current income ceiling is $16,000 per month for combined household income.
The HDB EC scheme bridges the gap between public and private housing, offering Singaporeans an affordable way to upgrade.Understanding eligibility, grants, and rules early helps you plan your purchase smoothly and avoid common mistakes.
Explore the latest EC launches or contact our advisors to find out which projects you qualify for based on your HDB status and household income.
Every buyer’s situation is unique. Speak to our EC specialists — we’ve handled many HDB-to-EC upgrade cases and can guide you through eligibility, loan options, and application steps.