Housing in Singapore If You Never Plan to Get Married

In Singapore, housing policies are largely built around the idea of marriage. But what if you don’t plan on getting married? What are your options?

Let’s break it down!

Why is it harder for singles to get a home?

Singapore’s housing system prioritizes families, especially through HDB grants and policies. This means that many housing options, especially subsidized ones, are geared toward married couples. But that doesn’t mean singles are left with no choices!

Option 1: Buy a BTO Flat (But Only at 35+)

If you’re single, you can apply for a Build-To-Order (BTO) flat, but only when you turn 35.

Only 2-room Flexi flats in non-mature estates are available.
You can’t apply for larger flats, unlike married couples.
You get fewer grants, meaning the flat may cost more compared to a married couple.

Option 2: Buy a Resale HDB Flat

If you’re single, you’ll still need to be at least 35 years old to buy a resale flat under the Singles Scheme. Here’s what you should know:

No restrictions on flat size—buy a 3-room, 4-room, or even 5-room flat.
Eligible for grants under the Singles Scheme, but still lower than what married couples get.

Resale flats can be more expensive than BTOs, especially in prime locations.

Option 3: Buy a Private Property

For those who can afford it, private condos or landed properties are an option.

No age restrictions—you can buy at any age!
No need to worry about HDB rules or restrictions.

But private property is significantly more expensive, making it less accessible for most singles.

Option 4: Rent a Home

If buying isn’t for you, renting is always an option:

Rent an entire unit or just a room.
Monthly rent costs can add up, so long-term renting isn’t always the best financial move.

Rental prices fluctuate, and landlords can increase rent or end leases unexpectedly.

Key Challenges Singles Face

Age requirement: Singles can only buy a resale flat or apply for a BTO at 35.

Higher costs: Singles receive less financial aid compared to married couples.
Limited options: BTO flats for singles are restricted to certain locations and typically smaller in size.
Loan restrictions: A lower CPF Housing Grant means higher upfront costs.
Future uncertainty: Policy changes could impact housing affordability.

So, What’s the Best Option?

If you can wait and prefer affordability → BTO at 35
If you want more space and flexibility → Resale HDB
If money isn’t an issue → Private property
If you need a temporary solution → Rent

Your choice depends on your financial situation, long-term plans, and priorities!

What do you think?

Would you wait until 35 for a BTO, or go for resale/private housing instead?

Let’s discuss in the comments!