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Hi

Yes it is possible, you will be considered 2nd timer. For 2nd timer the chances are much slimmer, as the supply for 2nd timer is much lesser (think it is less than 10% of total supply of 2-room made available), as priority goes to 1st timer who is unlikely to have a place of their own to stay in.

If zero employment income no issue, can be eligible to purchase but still 2nd timer. You just need to prepare payment for different milestone, and a resale levy is applicable for 2nd timer if you manage to book an unit.

As of now, there is no regulation stating that you can't apply BTO again after a time lag, but rules may change anytime at HDB discretion.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 homeowners transit smoothly with their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
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-- HDB Toa Payoh 5-RM Sellers of Million-Dollar HDB, Mr. & Mrs Leong

We were fortunate to have met Ivan Ng. He was thorough in going through what the complicated home-selling process required of us and more so in understanding what we would like to achieve from the sale of our unit. His responsiveness and assurance, was a trait that we really appreciate. We managed to secure a sale that exceeded our expectation with Ivan’s advises. The offered price for our unit was a record set for the flats in the neighborhood. This was definitely supported by the fact that Ivan’s listing of our unit was detailed and stood out from other listings. Because of this, we also engaged Ivan's service to help us search and buy our new resale home. After some searches and viewings, we managed to secure one at a reasonable price with his help. With Ivan’s cheery and positive demeanour, selling our unit to procuring a new one, was a smooth journey for us. It was a pleasure to have worked with him.

-- HDB Executive Maisonette Sellers, Mr & Mrs Yeo --

Before contacting Ivan Ng, our Property Realtor, we were quite apprehensive about our Contra-deal ( concurrent resale & purchase of HDB flats) as at that time the outlook of the resale property market was quite sluggish & pessimistic. But surprisingly our property realtor, Ivan , was able to put us at ease with his professional competence, astute work experience & friendly nature . He was able to consummate our contra-deal within one month of our HDB application. Now we are convinced by his promise that (in Ivan's own words) ... "A contra-deal is where the sale & purchase transactions are done concurrently and completed on the same day. This results in a seamless transition of the funds from your sale proceeds and CPF proceeds towards your purchase price." More importantly Ivan has also managed to clinch a good deal for our contra-deal. We'll certainly recommend him to our kins & friends. Thank you very much, Ivan. We are definitely your satisfied customers! Read More

You will be considered a 2nd timer for BTO, and that you will be required to pay resale levy for applying for 2nd BTO, if you meet all other eligibility criteria to do so. Eligibility to purchase BTO does not include being employed. As long as you have done the necessary financial checks and ascertain that you are able to finance this purchase without any loan (since you do not have any income) then there should be no issue.

——

I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 15,900 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Deputy Branch Associate Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
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Good day to you,

Every Singaporean has the opportunity to obtain two subsidized HDB units. BTO prices already include subsidies, even if you don’t benefit from the tangible options. Upon selling your current unit after the MOP, if the proceeds are enough to cover the cost of the new unit, you will not need to take out a mortgage loan. However, you may only select your next BTO after completing the MOP of your existing unit. Depending on the timing of your new unit's availability, you may also have to account for the CPF Minimum Retirement Sum requirement. My recommendation is to secure your next unit and plan to align the sale's completion with the key collection of the new unit.

Navigate Property Decisions with Confidence

With over 15 years of experience in Singapore's residential property sales and purchase (S&P) cases, I understand the complexities involved in the process. I aim to guide you every step of the way with clear communication, ensuring that all parties are legally represented and protected.

I offer in-depth knowledge in:
Ø Estate Planning and Distribution: Planning for the future can feel daunting. Let’s work together to create a smooth, transparent process that brings peace of mind.
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Ø And More: From Power of Attorney to navigating financial challenges, I handle various situations to address your concerns and empower you to move forward confidently.

Schedule a Free Consultation Today! Let's discuss how I can assist you in your property journey. For more informative insights, follow our short video here: https://www.youtube.com/@YourSGHomeCompass-MLnU.

Regards
Mike Lim
 96929209 
R026708F
m52i@yahoo.com
ERA Read More

Hi,

I would be most glad to assist you further and pls feel free to let me know if you need any assistance. Have a good day ahead. By the way, yes it is possible l

Regards
Aaron Chong
 9730 8455 
aaronchong2774@yahoo.com.sg Read More

Hi, appreciate your sharing. Able to apply HFE to determine the outcome before proceeding.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More

1. Second-timers can still apply for a BTO flat, but chances are lower as priority is given to first-time applicants who typically lack housing.

2. No employment income does not disqualify you; eligibility remains as long as you can cover the required payments across construction milestones. A resale levy will apply if a unit is secured.

3. You are allowed two subsidized HDB units in your lifetime. After fulfilling your Minimum Occupation Period (MOP), you may apply again. If proceeds from your current flat cover the new one, no loan is needed. CPF Retirement Sum may come into play depending on timing.

4. Current guidelines do not prevent reapplying for BTO after time has passed, but policies can be adjusted at HDB’s discretion. Plan the sale and new key collection carefully to avoid gaps.

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Hi Sir/Mdm,

Each Singaporean has got 2 chance for BTO flat. However you are subjected to a resale levy when you are a 2nd timer and the balloting chance is also lower.

Once you have reached your MOP, you are eligible to apply for another BTO flat. There is no restrictions on the time between the 2 BTO flats.

I have assisted my clients who are in the same situation as yourself, having purchase 2 BTOs before. Please feel free to contact me so that I can understand your situation and assist you further!

Regards,
Nick Tan
(M) +65 96 44 48 54
B.Eng(Chemical)(Hons)(NUS) / Cert-in-REA
(E) nick96444854@gmail.com

SEAA Salespersons Achievement Platinum Award 2020/2022/2023

WhatsApp: https://wa.me/qr/X6VRPGSSIHN5D1

Visit my website to get to know me better:
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Selling our house was a pretty stressful ordeal, as we have already committed to buying our new home and hence have a timeline to meet. Losing a substantial deposit and worse still, not getting our dream home caused many sleepless nights as we are nearing our deadline. I am very glad we have decided to switch to Nick and seek his help after the dismal performance of our first agent. Not only is Nick very patient in explaining things to us, time and time again he gives us reassurance to allay our worries. And he walked his talk.
With his help, we finally managed to sell our unit at a price within our expectations, before t Read More

Hi,

1) You are right about the selling of your BTO once MOP.
2) You may apply for the BTO after completing your current flat's MOP without selling.
3) You have to prove to the HDB that you have the financial capacity to pay for the BTO when you do not have an active income.
4) You have to prepare funds for the resale levy, buyer stamp duty, legal fees & miscellanous as well, not just the price of the BTO.
5) There is no restriction on when you decided to apply for a BTO once you have completed the MOP.
6) Do be reminded that you must have a valid HFE before able to apply for a BTO/SBF.

All The Best!!!

Hope the above answers your main concerns, but if there are more queries, please feel free to contact me at 90110636  or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://www.linkedin.com/in/ckling/
https://agents.huttonsgroup.com/R056727F/

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