If you're planning to buy an HDB flat in Singapore, you've probably come across the new classification system for BTO flats: Standard, Plus, and Prime. Introduced in 2024, this system aims to help the government regulate housing prices more effectively while catering to diverse buyer needs.

1. What Are Standard, Plus, and Prime Flats?

1. Standard Flats
This is the most common type of flat, usually located in non-mature estates or developing areas such as Sembawang, Tengah, and Woodlands. Standard flats are the most affordable and ideal for budget-conscious or first-time buyers.
• Pros: Affordable prices, less competition when applying
• Restrictions: Minimum Occupation Period (MOP) of 5 years
• Resale Restrictions: No additional restrictions

2. Plus Flats
Plus flats are typically located in more convenient areas such as town centers or near MRT stations, but not in the central region. These flats offer better amenities and connectivity ,with slightly higher prices.
• Pros: Convenient location, suitable for long-term stay
• Restrictions:
o Minimum Occupation Period (MOP) is 10 years
o Upon resale, a certain percentage of the resale price must be returned to the government
o Renting out the entire flat is not allowed (only partial subletting is permitted)  
Resale buyers must meet the eligibility criteria for BTO flats, including an income ceiling of S$14,000 for both families and singles  

3. Prime Flats
• Prime flats are located in the most central and desirable areas, such as the city center, Marina Bay, Redhill, and Bukit Timah. These projects typically offer excellent transport links, and are close to the CBD, shopping malls, and top schools.  
• Pros: Top-tier location, high potential for value appreciation  Restrictions:
o Minimum Occupation Period (MOP) is 10 years
o Renting out the entire flat is not allowed (only rooms may be rented out)  
o Upon resale, a certain percentage of the resale price must be returned to the government  
o Resale buyers must meet all BTO flat eligibility criteria, with an income ceiling of S$14,000 for families and S$7,000 for singles

2. Comparison Table

3. Frequently Asked Questions (FAQ)

Q1: Can I freely sell a Prime flat after the 10-year MOP?
A: After 10 years, you can apply to sell your flat, but the buyer must still meet specific eligibility requirements. Additionally, the resale price may be subject to HDB’s valuation, so it is not exactly the same as a fully open market transaction.

Q2: Can I rent out an entire Prime flat?
A: No. Even after fulfilling the MOP, you cannot rent out the entire Prime flat. Only partial rental (such as room rental) is allowed.

Q3: Is the price difference between Plus and Standard flats significant?
A: The price is only slightly higher, but Plus flats offer better locations, transport links, and amenities. For families who value convenience and plan to stay long-term, Plus flats are a reasonable compromise.

Q4: Are there differences in resale conditions?
A: Yes. Standard flats are closest to open market transactions, while Plus and Prime flats must be sold to eligible buyers and are subject to more restrictions. As a result, it may take longer to find a buyer for Plus or Prime flats.

Q5: Are Prime flats worth buying?
A: If you plan to live there long-term and do not intend to rely on rental income, the prime location can help the flat retain or increase its value over time. However, if you prioritize flexibility (such as renting out or reselling), you should carefully consider the restrictions.

4. Buying Recommendations

1. First-time buyer with a tight budget: Prioritize Standard flats. They have lower prices and less competition, making them a good entry point.
2. Looking for convenience and good location:
Consider Plus flats, which balance living quality and investment     potential.
3. Seeking prime location for own stay:
Prime flats are a great choice for long-term residence, especially if you plan to settle in a central area.

5. Conclusion

Standard, Plus, and Prime HDB flats each have their own pros and cons-there’s no absolute best choice. The key is to match your selection to your personal needs, financial situation, and future plans.

Don’t forget to complete your HFE (HDB Flat Eligibility) application before the BTO sales launch, or you won’t be able to submit your BTO application during the sales period!

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