Notes

Nice Table: ** Income ceiling for 4 different kinds of flats Your  gross monthly household income   must not be more than $8,000. If you are buying a flat with your extended family, your gross monthly household income must not be more than  $12,000.
 * __DATABASE/INFOBANK__
 * HDB flats || Executive Condominums  || Design and build sell schemes  || Public Rental schemes  ||
 * Buying a 3-room Premium, 4-room or bigger flat

Buying a 3-room Your gross monthly household income must not be more than $3,000.

Buying a 2-room Your gross monthly household income must not be more than $2,000 || Your gross monthly household income must not be more than $10,000. || Your   gross monthly household income   must not be more than $8,000. If you are buying a flat with your extended family, your gross monthly household income must not be more than $12,000. || Total household gross income must not exceed $1,500/- per month ||
 * The income ceiling for 4 different kinds of flats is to ensure that families with lower income get piority in getting their flats and that people with higher income cannot buy 2 or 3 room flats as these flats are reserved for the lower income familes.

__ Buying of New Flats By Buyers Who Are Bankrupt  __ ** A bankrupt is not required to obtain the consent from the Official Assignee (OA) if he is buying a 5-room or smaller flats direct from HDB or a DBSS flat direct from the developer. Family Nucleus You, the applicant and; - your spouse, and children (if any) - your parents, and siblings (if any) - your children under your legal custody Fiance/Fiancee You, the applicant and your fiancé/fiancée Orphan You, the applicant and your unmarried siblings ||  Public Scheme You, the applicant and; - your spouse, and children (if any) - your parents, and siblings (if any) - your children under your legal custody Fiance/Fiancee You, the applicant and your fiancé/fiancée Orphan You, the applicant and your unmarried siblings or another single unrelated orphan    || Public Scheme You, the applicant and; - your spouse, and children (if any) - your parents, and siblings (if any) - your children under your legal custody Fiance/Fiancee You, the applicant and your fiancé/fiancée Orphan You, the applicant and your unmarried siblings || Applicant and spouse Applicant (if single) and parents Applicant (if widowed/divorced) with children under legal custody Fiance and fiancee Orphaned siblings || Home Seekers (HDB Flat): · Criteria o Singapore  citizen, ≥21 years old, ≥1 Singaporean/PR family member o 1st   timer – must not be owners/sellers of HDB/DBSS flats/Executive Condominium or received housing subsidies (eg. CPF housing grant) o 2nd   timer – must not be owners/sellers of HDB/DBSS flats/Executive Condo/flats under CPF housing grant/other housing subsidies* o Max. 2 properties per household //*If under housing subsidies, have to pay resale levy// Home Seekers (Executive Condominium): · Criteria o Singapore  citizen, ≥21 years old/≥35 years old for joint singles, ≥1 Singaporean/PR family member o 1st   timer – must not be owners/sellers of HDB/DBSS flats/Executive Condominium or received housing subsidies (eg. CPF housing grant) o 2nd   timer – must not be owners/sellers of HDB/DBSS flats/Executive Condo/flats under CPF housing grant/other housing subsidies o Max. 2 properties per household Home Seekers (DBSS Flat): · Criteria o Singapore  citizen, ≥21 years old, ≥1 Singaporean/PR family member o 1st   timer – must not be owners/sellers of HDB/DBSS flats/Executive Condominium or received housing subsidies (eg. CPF housing grant) o 2nd   timer – must not be owners/sellers of HDB/DBSS flats/Executive Condo/flats under CPF housing grant/other housing subsidies o Max. 2 properties per household - Is applicable to the purchase of new flats, resale flats, SERS //( Selective En-bloc Redevelopment Scheme)// replacement flats and DBSS //(Design, Build & Sell Scheme)// flats as well as the allocation of rental flats in all HDB estates. - The Ethnic Integration Policy (EIP) is aimed to promote racial integration and harmony and to prevent the formation of racial enclaves, by ensuring a balanced ethnic mix among the various ethnic communities living in public housing estates.  There is no restriction on the sale and purchase of an HDB flat if the proportion of the buyer's ethnic group is within the prescribed block and neighbourhood limits. · Once the block/neighbourhood limit for a particular ethnic group has been reached, no further sale of HDB flats to that ethnic group will be allowed if it will lead to an increase of the proportion beyond the limit. There is no restriction if the buyer and seller are of the same ethnic group. -Singapore citizens; -Singapore permanent residents; -Non-citizens legally residing in Singapore [holders of Employment Passes, S Passes, Work Permits, Student Passes, Dependant Passes, Professional Visit Passes, Long Term Social Visit Passes (6 months and above)].
 * HDB Flats  || Executive Condominium   || DBSS Flats   || Public rental scheme   ||
 * Public Scheme
 * __Basic Criteria to buy/rent a flat__ **
 * __Ethnic Group Eligibility of Buyers__ ** 
 * Under the Policy: ** · Maximum proportions are set for all ethnic groups : Chinese, Malays and Indian/Others, in each HDB block and neighbourhood.
 * __Eligibility of Subtenants for rentals__ ** 
 * Permitted Subtenants **

-Non-Malaysian foreign construction workers; -Owners or tenants of existing HDB flats, except for 1. owners/tenants who are divorced/legally separated. However, only one of the divorced/legally separated parties is eligible to be a subtenant; 2. owners who are eligible to sublet their whole HDB flat. However, (i) they must sublet their own flat within one month after they have rented an HDB flat from other flat owner or (ii) they are not able to rent out their own flat as there are other occupiers remaining behind; -Owners of existing Executive Condominium units where the 5-year minimum occupation period has not been met.
 * Non-Permitted Subtenants **

Owners may sublet their flat to a corporate body to house its employees. However, they must : 1. ensure that the company allows only persons who meet the eligibility conditions of subtenants to stay in the flat (hereinafter referred to as the occupiers); 2. provide the particulars of the occupiers in the subletting application form; 3.<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> ensure that only authorised occupiers who are registered with HDB are staying in the flat; 4.<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> ensure that non-citizen occupiers have lawfully entered Singapore and are lawfully allowed to remain in Singapore; 5.<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> ensure that the occupiers comply with all the terms and conditions of subletting; and 6.<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> ensure that the occupiers vacate the premises upon termination of subletting or in the event that the subletting approval is revoked by HDB.
 * <span style="font-size: 10pt; color: rgb(0, 130, 191); font-family: Arial;">Corporate Subtenants **<span style="font-size: 10pt; color: rgb(56, 56, 56); font-family: Arial;">

The maximum number of subtenants allowed in each flat is : ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> 4 persons for 1-room and 2-room flats ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> 6 persons for 3-room flats ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> 9 persons for 4-room and bigger flats
 * <span style="font-size: 10pt; color: rgb(0, 130, 191); font-family: Arial;">Maximum Number of Subtenants **<span style="font-size: 10pt; color: rgb(56, 56, 56); font-family: Arial;">

<span style="font-size: 10pt; color: rgb(56, 56, 56); font-family: Arial;">This is to avoid overcrowding. You have satisfied a 3-year or 5-year Minimum Occupation Period (MOP)
 * __Eligibility of Flat Owners to rent out the flats__ ** <span style="font-size: 10pt; color: rgb(166, 0, 0); font-family: Arial;"> <span style="font-size: 10pt; color: rgb(56, 56, 56); font-family: Arial;">

You are allowed to sublet your whole flat if : ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> You have occupied your non-subsidised flat (flat purchased from the open market without a CPF housing grant) for at least 3 years; or  ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;">  You have occupied your subsidised flat (flat purchased directly from HDB or from the open market with a CPF housing grant) for at least 5 years. <span style="font-size: 10pt; color: rgb(56, 56, 56); font-family: Arial;"> If you do not meet the MOP for subletting, you are still allowed to sublet your whole flat if you fall under any one of the following circumstances: ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> You/your spouse, your family members or authorised occupiers, are all staying in quarters provided by your employers.
 * <span style="font-size: 10pt; color: rgb(0, 130, 191); font-family: Arial;">You are living in quarters provided by employer **

·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> You/your spouse are going overseas to work or study and the entire family will be going along, or you are leaving behind family members who cannot take care of themselves and who will be moving out of the flat.
 * <span style="font-size: 10pt; color: rgb(0, 130, 191); font-family: Arial;">You are going overseas to work or study **

·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> You/your spouse are tenants, subtenants or owners of commercial property with living quarters and you have to stay there, with your family members, to look after the business.
 * <span style="font-size: 10pt; color: rgb(0, 130, 191); font-family: Arial;">You are living in commercial properties **

·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> You are the sole owners and occupiers of the flats and need care from relatives because of illness; or  ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;">  You are the sole owners and occupiers of the flat and are hospitalised for more than six months; or  ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;">  The flat owners have passed away and left behind an orphaned minor child (i.e. child under 21 years of age). The guardian or public trustee of the minor child may sublet the whole flat.
 * <span style="font-size: 10pt; color: rgb(0, 130, 191); font-family: Arial;">Other circumstances **

Permission to sublet is granted for a maximum period of 3 years subject to review. For subletting under the reason of overseas employment or study, the permission to sublet is granted for the entire duration of owners' stay overseas. Consent may be revoked at any time by HDB giving 2 weeks notice. As a flat owner subletting your flat, you will be responsible for: ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> making sure the flat is sublet to eligible subtenants only ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> making sure that there is no over crowding and that the number of subtenants does not exceed the maximum number allowed ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> making sure that your subtenants have entered and are remaining in Singapore lawfully at all times while the subletting is in force ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> making sure that your subtenants do not further sublet the flat to other persons ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> making sure that your subtenants comply with all the covenants in the lease and the provisions of the Housing & Development Act and be responsible for all infringements committed by them ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> informing the Comptroller of Property Tax of the subletting, and HDB of any changes in the subletting ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> resuming occupation of your flat and ensuring your subtenants vacate the premises when the subletting is terminated or when you are no longer eligible to sublet your flat ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> surrendering the flat in the event that the flat is repossessed by the HDB
 * __Terms & Conditions__ **
 * <span style="font-size: 10pt; color: rgb(0, 130, 191); font-family: Arial;">Validity Period of Subletting **<span style="font-size: 10pt; color: rgb(56, 56, 56); font-family: Arial;">
 * <span style="color: rgb(0, 130, 191);">Flat Owners’ Responsibilities **<span style="color: rgb(56, 56, 56);">

As part of the Goods and Services Tax (GST) offset package, the Government extended the Service & Conservancy Charge (S&CC) rebate to eligible citizen households for five years from 1 Apr 2007 to 31 Mar 2012. However, lessees who sublet their flat will not be eligible for the rebate during the period of subletting. The period of subletting of the flat will NOT be included in computing the requisite occupation period/time bar to determine owner's eligibility to : ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> resell flat in the open market ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> invest in private residential properties ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> apply for a second flat directly from HDB <span style="font-size: 10pt; color: rgb(56, 56, 56); font-family: Arial;"> Owners who have sublet their flats will have to satisfy the full requisite occupation period/time bar specified by HDB before they are eligible for any of the above. You are allowed to sublet your bedroom(s) if you own a 3-room or bigger flat. No prior approval from HDB is required for subletting of bedroom(s). However, flat owners must comply with HDB’s subletting rules.
 * <span style="font-size: 10pt; color: rgb(0, 130, 191); font-family: Arial;">Withdrawal of Service & Conservancy Charge (S&CC) Rebate **<span style="font-size: 10pt; color: rgb(56, 56, 56); font-family: Arial;">
 * <span style="color: rgb(0, 130, 191);">Period of Subletting **<span style="color: rgb(56, 56, 56);">
 * __Eligibility of Flat Owners to sublet bedrooms__**
 * <span style="color: rgb(0, 130, 191);">Eligible Flat Owners **<span style="color: rgb(56, 56, 56);">

Owners of 1 and 2-room flats are not allowed to sublet their bedroom<span style="color: rgb(56, 56, 56);">. The number of bedrooms which flat owners can sublet and the maximum number of occupiers* allowed in each flat depends on the flat type. Allowed in Each Flat ** || <span style="font-size: 10pt; color: rgb(56, 56, 56); font-family: Arial;"> Same as previous. 1.<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Owners and all the authorised occupiers must at all times be in continuous physical occupation of the flat. 2.<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> As a flat owner subletting your bedroom, you will be responsible for o<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> making sure the room is sublet to eligible subtenants only. o<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> making sure that there is no over crowding and that the number of subtenants do not exceed the maximum number allowed. o<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> making sure that your subtenants have entered and are remaining in Singapore lawfully at all times while the subletting is in force. o<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> making sure that your subtenants comply with all the covenants in the lease and the provisions of the Housing & Development Act and be responsible for all infringements committed by them 3.<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> The subtenant shall have no claim to the lease and no request for transfer will be entertained. 4.<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Owners are responsible for surrendering vacant possession of the flat to the HDB in the event the flat is re-possessed by the HDB.
 * <span style="color: rgb(0, 130, 191);">Number of Bedrooms Allowed For Subletting **<span style="color: rgb(56, 56, 56);">
 * ** Flat Type ** || ** Maximum Number of Bedrooms Allowed for Subletting ** || ** Maximum Number of Occupiers*
 * 3-room || 1 bedroom  || 6 persons  ||
 * 4-room || 2 bedrooms  || 9 persons  ||
 * 5-room || 2 bedrooms  || 9 persons  ||
 * Executive || 2 bedrooms  || 9 persons  ||
 * __Eligibility of Subtenants for subletting of rooms__ **
 * __ Terms & Conditions  __ **

o<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> The applicant and all persons listed in the application must not own, have an estate or interest in a HDB flat/HUDC flat/Executive Condominium; or have disposed of any such property within 30 months from the date of disposal at the point of application. o<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;">  The applicant and all persons listed in the application who are second-timers applying after the 30 months time bar would be subject to an assessment of affordability of other housing options.
 * __Public Rental Scheme direct from HDB__ **
 * <span style="font-size: 10pt; color: rgb(0, 130, 191); font-family: Arial;">Property Ownership **

o<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> The applicant and all persons listed in the application must not have owned or sold two direct-purchased HDB flats in the open market. o<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> The applicant and all persons listed in the application must not own, have an estate or interest in a private property (whether residential or otherwise and including private properties outside Singapore)/house/building/ land; or have disposed of such property at the point of application. o<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> The applicant who has been debarred under any of HDB/ Government rules, regulations or policies will not be eligible to apply for a rental flat under the Public Rental Scheme or be listed as an occupier in the application. o<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> The application will be cancelled if the applicant does not accept any flat after the second selection or if after the selection, fails to sign the Tenancy Agreement and pay the requisite fees and costs on or before the stipulated date as stated in the HDB's written notice to do so. Thereafter, the applicant and all persons listed in the application will be debarred for 1 year from applying to rent an HDB flat.
 * <span style="font-size: 10pt; color: rgb(0, 130, 191); font-family: Arial;">Debarment **

The applicant and the listed occupiers in the application must not be existing tenants/essential occupiers of HDB flats. Elderly applicants with children who are able to provide accommodation for their parents in their own homes or whose children have the financial ability to provide alternative accommodation for their parents would not be eligible to rent an HDB flat. <span style="color: rgb(0, 153, 255);"> 1- and 2-room flats subject to availability. Type of flat which applicant is eligible to apply is as below: (1) Families with no earned income (regardless of no. of persons in household)  || || Not Applicable  || <span style="font-size: 10pt; color: rgb(56, 56, 56); font-family: Arial;"> The rents payable are aligned to the monthly household gross income as follows: Introduction HDB flats can be used as a home office and for business registration under the Home Office Scheme.
 * <span style="font-size: 10pt; color: rgb(0, 130, 191); font-family: Arial;">Existing HDB Tenants/Essential Occupiers **<span style="font-size: 10pt; color: rgb(56, 56, 56); font-family: Arial;">
 * <span style="color: rgb(0, 130, 191);">Family Support **<span style="color: rgb(56, 56, 56);">
 * <span style="color: rgb(0, 124, 208);">Flat Type <span style="color: rgb(51, 153, 255);"> **<span style="color: rgb(51, 153, 255);">
 * ** Scheme ** |||| ** Flat Type ** ||
 * ^  || ** 1-Room ** || ** 2-Room ** ||
 * Family Scheme
 * (2) 2 persons household (regardless of earned household income)  || || Not Applicable  ||
 * (3) Families with earned income and have 3 or more persons in household  || || ||
 * Joint Singles Scheme   || || Not Applicable  ||
 * <span style="font-size: 10pt; color: rgb(0, 83, 204); font-family: Arial;">Rents ** <span style="font-size: 10pt; color: rgb(0, 135, 226); font-family: Arial;">
 * ** Monthly Household Income ** || ** Household Type ** |||| ** Monthly Rent ** || ||
 * ^  || ** 1-Room ** || ** 2-Room ** || || ||
 * Household Income $800 Or Below || First-Timers  || $26 - $33  ||^   ||^   ||^   || $44 - $75  || ||
 * ^  || Second-Timers  || $90 - $123  || $123 - $165  || ||
 * Household Income Between $801 And $1,500 || First-Timers  || $90 - $123  || $123 - $165  || ||
 * ^  || Second-Timers  || $150 - $205  || $205 - $275  || || ||
 * ^  || Second-Timers  || $150 - $205  || $205 - $275  || || ||
 * __Housing Policies: Businesses__ **

Eligible Applicants Owners, tenants, authorised occupiers and subtenants of HDB flats, who are 18 years and    above, are eligible to apply under the scheme. Terms & Conditions To qualify for the Home Office Scheme: 1. The person conducting the business must be the owner, tenant, authorised occupier or approved subtenant of the flat. 2. The flat must remain as a place of residence. Business activities should be confined within the flat. 3. The business has to be registered with the Accounting & Corporate Regulatory Authority unless it is exempted. 4. The flat cannot be used as a home office or registered address for a society. 5. The business must not generate noise, smoke, odour, chemical/liquid waste or dust that could become a nuisance. 6. The business activities must not be illegal, unlawful or immoral. 7. The business activities must not introduce excessive human or vehicular traffic to the surroundings or neighbourhood. 8. There must be no solicitation of business that may cause annoyance to the residents or public, such as distribution of flyers and brochures, or door-to-door sales. 9. There must be no selling of physical goods or display of advertisements or posters. 10. Necessary safety precautions must be taken, and the business activities must not pose any danger to human lives or damage to properties. 11. Consumption of electricity and structural load must not exceed the normal residential load. 12. Storage and use of dangerous chemicals and hazardous substances are strictly prohibited. 13. The character, ambience and environment of the residential estate must not be affected. 14. The business must comply with the fire safety requirements imposed by the Fire Safety and Shelter Department, namely: a. To install one 2kg ABC Dry Chemical Powder fire extinguisher to the office area. b. To install one single-station smoke detector to the office area. (For enquiry on the fire safety requirements, please call FSSD at Tel No. 62800000) 15. The business must comply with the regulations of other government authorities and relevant licences/approvals must be obtained before commencement of business. <span style="font-size: 10pt; color: rgb(47, 47, 47); font-family: Arial;"> Unpermitted businesses ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Maid/Employment Agency ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Contractors Business ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Car Trading Business ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Commercial   School (music, dance, language school or tuition centre ) ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Sales/Marketing that involves large scale seminars/talks ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Courier Business ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Manufacture, Preparation or Processing of products and goods. (food products, beverages, textiles, apparel, handbags, footwear, wood and paper products, pharmaceutical products, soap, food chemicals, additives, joss sticks, camphor products, glass, plastic, rubber products, domestic appliances, watches, clocks and other related products) ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Ophthalmic Dispensing/Pharmacy/Medical or Dental Clinics/Veterinary Medicine ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Card/Palm Reading ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Fortune telling in any form ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Funeral chapels or homes ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Mausoleums ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Shops and any form of retail activity, including pet shops ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Food Catering/Restaurants ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Conducting of dress making/embroidery lessons ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Repair of household appliances, electrical products, footwear, etc.  ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;">  Beauty/Hair-Dressing/Massage therapy services

Permitted businesses ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Accountancy ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Services Architectural Services ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Consultancy Services (Business) ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Consultancy Services (Engineering) ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Consultancy Services (IT/Management) ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Consultancy Services (Education) ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Design / Advertising Services ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Transportation Services ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Estate Agency ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Insurance/Financial Planning Services ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Technology based and knowledge intensive business ·<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Trading Office <span style="font-size: 10pt; color: rgb(56, 56, 56); font-family: Arial;">

Approval Period 5 years

Administration Fee $20

Mode of Business Mode of business can be sole-proprietorship, partnership, limited liability partnership or private limited company. Registration of Business with Accounting & Corporate Regulatory Authority (ACRA) The applicant has to register his business with Accounting & Corporate Regulatory Authority (ACRA). <span style="font-size: 10pt; color: rgb(56, 56, 56); font-family: Arial;"> No. of Employees Maximum of 2 non-residents, including partners, shareholders, directors of the business or employees. <span style="font-size: 10pt; color: rgb(56, 56, 56); font-family: Arial;"> Property Tax Payable As long as the HDB flat is still being principally occupied by the owner as residences, the owner-occupied concessionary tax rate would continue to apply. <span style="font-size: 10pt; color: rgb(166, 0, 0); font-family: Arial;"> Business Signage To maintain the residential ambience, no business or advertisement signage is allowed. Change in Scope of Business or Particulars of Business/Company If there is a change in scope of the business, applicants have to ensure that the business complies with the conditions of the Home Office Scheme and notify ACRA of the changes. <span style="font-size: 10pt; color: rgb(166, 0, 0); font-family: Arial;"> Expiry of Approval Period Applicant must renew the application upon the expiry of the approval period. HDB will send the renewal notification to applicant. The applicant must stop using the flat as a home office and file a notice of change of business or company address with ACRA if the Home Office application is not renewed. Termination of Home Office Scheme Applicant has to inform the HDB Branch Office managing the flat, as well as file a notice of change of business or company address with ACRA. Purchase of Land HDB also looks after land sales and lease administration, land maintenance, and land clearance. Conference and training locations <span style="font-size: 10pt; color: rgb(166, 0, 0); font-family: Arial;">Mass conferences and trainings cannot be held in HDB flats. The board has instead provided alternative locations for such events at the HDB hub, located directly above Toa Payoh MRT Station. <span style="font-size: 10pt; color: rgb(166, 0, 0); font-family: Arial;"> ** __Home Owner Policies__ ** 1. __Minimum Occupation Period__ Home owners must occupy the flat for a period of time before being eligible to sell it on open market. -<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> 1 room/ HUDC flat – No MOP -<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> HDB/CPF housing grant flat – 5 years -<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Selective En bloc Redevelopment Scheme flat – 5 years -<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Resale Flat (w/o CPF housing grant scheme) -> Loan from HDB – 2.5 years -> Else – 1 year

2.<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> __Keeping Dogs__ - Only 1 dog of an approved breed is allowed in each HDB flat - Home owners must ensure dog does not cause nuisance to residents - Dog license has to be issued by AVA

3.<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> __Subletting of flat__ Home owners allowed to sublet flat if: -<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Occupied non-subsidized flat for at least 3 years or subsidized flat for at least 5 years -<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Live in quarters provided by employer -<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Going overseas to work/study -<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Live in commercial properties

4.<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> __Small-scale business__ Home owners can carry out small-scaled activities without engaging employees and no approval is needed. Eg. Office work, baking, sewing, tuition, hairdressing, etc.

5.<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> __Investing in private properties__ Eligibility: -<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Flats from HDB/under CPF housing grant -> Satisfy MOP -> Continue to stay in flat after acquiring private property -<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Flats from open market/without CPF housing grant -> Continue to stay in flat after acquiring private property

6.<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> __Fire insurance__ Home owners with HDB loan must purchase fire insurance from appointed insurer and renew every 5 years if there is still outstanding loan.

7.<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> __Upgrading programmes__ -<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Main upgrading programme -> Improvements within precinct (eg. Add covered linkways, reconstruct playground, etc.) -<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Lift upgrading programme -> Upgrade lifts to serve every floor -> Polling to decide on upgrade -> Beneficial residents have to pay; PRs pay more -<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Interim upgrading works -> Repainting, letterboxes, etc. -> Fully funded by gvt. - Home improvement programme -> Optional – toilet, door, grille gate, refuse hopper (Must pay) -> Essential – waste pipes, spalling concrete, cracks (Gvt. funded) -> Poll to be decide on upgrade -<span style="font-weight: normal; font-size: 7pt; line-height: normal; font-style: normal; font-variant: normal;"> Neighborhood renewal programme -> Block-level items, eg. New tables & seats, residents’ corner -> Neighborhood level items, eg. Drop-off porch, fitness corner

Content: http://www.hdb.gov.sg/fi10/fi10296p.nsf/WPDis/OthersPolicies?OpenDocument http://en.wikipedia.org/wiki/Urban_planning_in_Singapore http://www.infoforhealth.org/pr/m16/m16boxes.shtml http://www.globalurban.org/GUDMag07Vol3Iss1/Yuen.htm http://en.wikipedia.org/wiki/Housing_and_Development_Board http://en.wikipedia.org/wiki/Bukit_Ho_Swee_Fire Spatial Planning for a Sustainable Singapore -- useful book available on Google Books. Pictures: http://travel.webshots.com/photo/2101712470093488148pdSvpM http://www.hdb.gov.sg/fi10/fi10297p.nsf/ImageView/SLUMCOLOR/$file/slum.jpg http://farm3.static.flickr.com/2038/2518395012_6a2303e5c7.jpg?v=0 http://www.channelnewsasia.com/imagegallery/store/phpcz5V5z.jpg http://sparklette.net/archives/572/photos.jpg http://katebarber.files.wordpress.com/2009/02/fire.jpg http://en.wikipedia.org/wiki/File:BukitHoSwee.JPG http://en.wikipedia.org/wiki/File:BukitBatok.JPG http://en.wikipedia.org/wiki/File:Sg_woodlands_a7_01.jpg http://www.thepeakattpy.com/images/thepeakatpy-aerial.jpg http://farm4.static.flickr.com/3401/3331375213_ffc2ca9f35.jpg?v=0 http://lh4.ggpht.com/_E7BYNPbYrng/ScHC2LE6O9I/AAAAAAAAAeg/Hh4PSgTm4FA/Singapore.JPG http://economatters.files.wordpress.com/2009/04/dsc02915.jpg http://upload.wikimedia.org/wikipedia/commons/a/a8/Bishan-SG.JPG http://s2.photobucket.com/albums/y29/vnc2005/Swiss_Standard_of_Living/?action=view&current=vag11.jpg http://media.photobucket.com/image/HDB%20logo/theonlinecitizen/Pictures%20Posted%20on%20TOC/Housing/hdb.gif
 * __REFERENCES__**