Should You Get a 3Gen Flat?

HDB’s 3Gen flats allow you to live together with your parents and foster stronger family ties. However, there are specific criteria that must be met before you can own one.
3Gen flats are great for multi-generational families who want to live together

As houses become smaller but more expensive, Singaporeans are finding it increasingly difficult to afford bigger homes, especially for those living with their families or have large families. Realising the importance of this issue, The Housing Development Board (HDB) has taken steps to cater to this demand for larger, yet more affordable homes. One of these steps is the introduction of a new flat type known as the 3Gen flat.

 

What is a 3Gen flat?

3Gen flats are a relatively new type of HDB housing. The main distinguishing feature of 3gen flats is the larger space (about 115 sqm or 1,237 sq ft). The larger space allows for multi-generational families to live together under the same roof. Since their launch in 2013, this public housing scheme has become extremely popular among larger families

Apart from the size, 3Gen flats also have the following features:

  • 4 bedrooms, 2 of which have attached bathrooms
  • Living/ dining area
  • Kitchen
  • Common bathroom
  • Service yard
  • Storage-cum-apartment shelter

 

What are the benefits of a 3Gen flat?

More space

As mentioned above, part of the appeal of a 3Gen flat lies in what they offer homeowners and their families. They are usually larger than regular HDB BTO units in Singapore, and on average, about 54 sq ft larger. 

As smaller HDB flats are becoming the norm, the larger space area of 3Gen flats is a breath of fresh air. With 4 bedrooms, each couple (you and your spouse, as well as your parents) have their own space. There are also 2 more bedrooms for your children as well.

Ideal for looking after each other

In case if it's not clear, 3Gen flats are ideal for couples who have elderly parents.

Living together with your parents means you save money on hiring a caregiver. Not only that, but you also don't have to travel back and forth from your home to theirs. More importantly, it's easier for you to care for their wellbeing. You spend more time with your parents and can help prevent them from feeling isolated and lonely. In case of an emergency, you're also well aware of it and can attend to the matter

In addition, parents of working couples with young children can also help to look after the children at home.

Multi-generational families living in a 3Gen flat can look after and care for one another.lat

Grandparents can help to look after the kids while parents are away at work 3gen flat

 

What is the eligibility criteria for a 3Gen flat?

Applicants must form a multi-generational family nucleus

If you are interested to apply for a 3Gen flat, you can only apply it via the Public Scheme or Fiance/Fiancee Scheme and should check if your family nucleus fulfils the eligibility conditions. At least one of your parents must be a Singapore Citizen or Singapore Permanent Resident. In addition, your multi-generation family must comprise one of the following family nuclei:

  • Married couple and parent(s)
  • Courting couple (fiancé and fiancée) and parent(s)
  • Widow/widower with child and parent(s)
  • A divorcee with child and parent(s)

Registered occupiers cannot have any properties to their name

Since the purpose of a 3Gen flat is for you to live with your parents, they must be registered occupiers of the flat. 

This means that your parents can’t have property registered to their names. This includes any local or overseas property. It also goes without saying that you also shouldn’t have any property under your name.

 

What you should know before considering to buy a 3Gen flat

#1. Limited resale potential

Once you’ve met the Minimum Occupancy Period (MOP) of 5 years, you’re allowed to sell your 3Gen flat. But do note that you can only sell it to multi-generational families. This makes the pool of available buyers extremely small. But then again, these flats are not really for investment.

The purpose of 3Gen flats is to encourage multi-generational families to live with each other, therefore, you cannot sell it to other young couples if they don't plan to live with their parents.

It's also important to note that you cannot rent the spare rooms out to someone else, even after the MOP.

#2. Parents’ incomes are included as part of the monthly household income

If your parents are still working, their average monthly salaries will be included in the monthly household income since they are a part of the family nucleus. This makes it more likely for you to exceed the income ceiling and thus, not be eligible for certain housing grants

To mitigate this, HDB has increased the income ceiling specifically for multi-generational families from what was $12,000 and $18,000 before, to $21,000.  

#3. Your parents must be registered as occupiers

That's right, your parents must be registered as occupiers of the flat. Under HDB ruling, occupiers cannot own another property both locally or abroad. 

 

Want to buy a 3Gen flat?

If you plan to live with your parents and children, but don't want to wait for the next HDB BTO launch, find 3Gen flats for sale on PropertyGuru here

 

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