For EC owners and buyers
Executive Condominium Owners: Rules, Key Dates and Your Next Move
An EC sits between public and private housing, and its rules come from four different bodies: HDB, MAS, IRAS and CPF Board. Most advice for homeowners is written for HDB flats or condos. This page pulls the EC-specific rules together, with a tool to work out your own dates.
Where are you in the EC journey?
Before you buy
Thinking of buying an EC
Who qualifies, what the grant is worth, and how much a bank will lend you.
Upgrading
I own an HDB flat and want an EC
The disposal deadline, and whether you need a bridging loan at all.
Waiting or living in it
I have booked, or I am in my MOP
What you may and may not do until you can sell.
Selling
My MOP is done, I am thinking of selling
Who can buy your EC, what you take home, and what comes next.
EC key dates
Enter your EC’s dates to see when your MOP ends, when the buyer pool opens up, and, if you own an HDB flat, the dates to work back from your disposal deadline.
Seven EC rules that catch people out
- A bridging loan cannot carry a new EC’s downpayment.It must be repaid within six months, and you pay the 20% years before keys. It fits a resale EC or your next home instead. Bridging loan guide
- The HDB flat clock has two start points and ends at legal completion.HDB words it as 6 months from key collection in one place and from completing the purchase in another. An agreed sale is not enough. The 6-month deadline
- MSR caps your loan until the MOP ends.30% of income on all property loans, usually tighter than TDSR. After the MOP only TDSR applies. Financing an EC
- There is no Home Protection Scheme for an EC.CPF says to buy equivalent private insurance. Financing an EC
- ABSD is remitted on a new EC but not on a resale EC.A Singapore Citizen buying a new EC pays none. A resale EC bought while you own an HDB flat is a second property, at 20%, refundable only if you sell in time. Bridging loan guide
- After the MOP, only citizens and PRs can buy your EC for years.Foreigners and companies can buy only once it is fully private, 10 or 15 years from TOP. Who can buy your EC
- The resale levy bites only if you take a second subsidy.Buying private property or a non-subsidised resale flat after your EC avoids both the levy and the 30-month wait. After you sell
All EC guides
Buying an Executive Condominium
Eligibility, the $18,000 income ceiling, the EC grant table and the 5% + 15% downpayment.
Read guide →EC Rules After Buying
5 or 10-year MOP, renting rooms or the whole unit, the resale levy and your next home.
Read guide →Bridging Loan for an EC
Why a new EC rarely needs one, when a resale EC or your next home does, with a gap estimator.
Read guide →Own an HDB Flat and Buying an EC
The 6-month disposal deadline, the two start dates HDB uses, and how to work backward.
Read guide →Financing an EC
Bank loans only, MSR until the MOP ends, 75% and 55% loan limits, and no Home Protection Scheme.
Read guide →Selling Your EC: Who Can Buy It
MOP, the years when only citizens and PRs can buy, and full privatisation.
Read guide →After You Sell Your EC
Private home, resale flat, BTO or another EC: the 30-month wait and resale levy for each.
Read guide →FAQ
When can I sell my EC?
After the minimum occupation period, counted from the TOP date: 5 years, or 10 years for projects whose land sales tender closed on or after 8 May 2026, according to HDB.
Do I need a bridging loan to buy a new EC?
Usually not. You have until 6 months after key collection to dispose of an HDB flat, ABSD is remitted on a new EC for Singapore Citizens, and a bridging loan must be repaid within six months.
Who can buy my EC after the MOP?
Singapore Citizens and PRs until 10 years from TOP for a five-year MOP project, or 15 years for a ten-year MOP project. After that there is no citizenship requirement.
Is the EC income ceiling still $18,000?
For new units in EC projects with tenders closing on or after 24 August 2026, HDB sets $18,000. Sites with tenders awarded before then have a $16,000 ceiling. Resale ECs have no ceiling.
Figures current as of October 2026. Dates from the tool are estimates; HDB, IRAS and your lender confirm your actual dates. This page is general information only and is not legal or financial advice.
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