Executive Condominium (EC)
[Singapore EC / HDB EC]
An EC (新执行共管公寓) is considered HDB property for 10 years. As such, it is subject to the same restrictions like a Minimum Occupancy Period (MOP) of five years, and restrictions on who can buy it. From the 11th year onward, an EC is fully privatised. It can be sold like any other private property, and foreigners, companies, or others can also buy it.
An EC is different from a Built-to-Order (BTO) flat, in that it's built by private developers. An EC is a full suite condo. It comes with the pool, gym, barbeque pits, and other facilities you would expect of a private development.
Current EC Projects
Projects launched and available now — not affected by the new May 2026 rules.
| Project & Location | Est. Launch | Status |
|---|---|---|
| Coastal Cabana — Jalan Loyang Besar, Pasir Ris | Jan 2026 | On Sale Now · ~67% Sold · Est. TOP 2028 |
| Rivelle Tampines — Tampines Street 95 | Mar 2026 | On Sale Now · 92.5% Sold · 572 Units |
Upcoming EC Projects
Coming soon — these 5 projects are exempt from the new rules.
| Project & Location | Est. Launch | Status |
|---|---|---|
| Senja Close — Bukit Panjang | Late 2026 – Early 2027 | Tender closed Aug 2025 |
| Woodlands Drive 17 (2 sites) | Late 2026 – Early 2027 | Confirmed |
| Sembawang Road | 2027 | Confirmed |
| Miltonia Close — Yishun | 2027 | Tender closed Apr 2026 |
Fully Sold EC
EC projects that have been fully sold out.
| Project Name (Location) | Launch Date | Developer (LP) | Est TOP |
|---|---|---|---|
| Altura (Bukit Batok West Ave 8) | 05 Aug 2023 | Qingjian & Santarli ($662 psfpr) | 3rd Feb 2026 |
| Lumina Grand (Bukit Batok West Ave 5) | 27 Jan 2024 | CDL Zenith Pte Ltd ($626 psfpr) | 1st April 2026 |
| Novo Place (Tengah Plantation) | 16 Nov 2024 | Hoi Hup & Sunway ($703 psfpr) | 1Q 2027 |
| Aurelle of Tampines (Tampines St 62) | 08 Mar 2025 | Sim Lian Land Pte Ltd ($721 psfpr) | 1Q 2028 |
| Otto Place (Tengah Plantation) | 19 Jul 2025 | Hoi Hup & Sunway ($701 psfpr) | 1Q 2028 |
| Rivelle Tampines (Tampines Street 95) | 6 Mar 2026 | Sim Lian Land & Development Pte Ltd ($768 psfpr) | 4Q 2028 |
📋 New Rules (May 8, 2026)
Applies to all EC sites with tender closing on or after May 8, 2026.
| Rule | Previous | New |
|---|---|---|
| Minimum Occupancy Period (MOP) | 5 years | 10 years |
| Full Privatisation (sell to foreigners) | 10 years | 15 years |
| First-Timer Quota | 70% | 90% |
| First-Timer Priority Period | 1 month | 2 years |
| Deferred Payment Scheme (DPS) | Allowed | Removed |
EC Eligibility
Can I Buy EC
You must fulfil at least one of the Payment Scheme
| Normal Payment Scheme (NPS) | Deferred Payment Scheme (DPS) |
|---|---|
| (1) Must be Eligible to buy | (1) Must be Eligible to buy |
| (2) Must have Min. 5% Cash | (2) Must have Min. 5% Cash |
| (3) Must have around 23% (Cash & or CPF) | (3) Must have around 18% (Cash & or CPF) |
| (4) Home Loan Max. 75% (Can also use Cash & or CPF) | (4) Home Loan + Bridging Loan Max. 80% (Can also use Cash & or CPF) |
| (5) Must sell you HDB within 6 months after EC TOP | (5) Must sell you HDB before EC TOP if getting Bridging Loan |
Contact us for Home Loan, Bridging Loan Calculation & the whole Process of buying EC
Quick EC Eligibility Check
| Family nucleus | Owner (Age) | Co-owner/ Occupier (Age) | CPF Grant |
|---|---|---|---|
| Married Couples | SC (Min. 21) | SC/SPR | Yes |
| Fiancé/Fiancée | SC (Min. 21) | FR + SC/SPR Child | Yes |
| Divorced/ Widowed | SC (Min. 21) | SC/SPR (Min.18) | Yes |
| Single with Parents | SC (Min. 21) | SC/SPR | No |
| Joint Singles | SC (Min. 35) | SC (Min. 35) | No |
| Orphan with all single siblings | SC (Min. 21) | SC/SPR (Min. 21) + SC/SPR Late Parents | No |
| Orphan with unrelated orphan | SC (Min. 21) | SC (Min. 21) + SC/SPR Late Parents | No |
🎁 EC Grants
| Monthly Household Income | SC–SC Grant | SC–SPR Grant |
|---|---|---|
| ≤ $10,000 | $30,000 | $20,000 |
| $10,001 – $11,000 | $20,000 | $10,000 |
| $11,001 – $12,000 | $10,000 | — |
| > $12,000 | — | — |
(1) If you are eligible to buy EC.
(2) If your income is below $18,000.
(3) If your HDB MOP is less than 5 years but more than 4.5 years.
(4) If you can't get 75% home loan but currently own a HDB flat or DBSS.
(5) For divorcees, if you have obtained an Interim Judgement of divorce and have settled the ancillary matters on matrimonial property, and the custody, care and control of your children and waiting for the Final Judgement of divorce.
We are Developer's Sale Team. No Commission Required.
BTO vs. EC vs. Private Condo
| HDB Built-to-Order (BTO) | Executive Condo (EC) | Private Condo |
|---|---|---|
| Price more affordable | Price Est. 30% lower than Private Condo | Premium |
| 3 to 4 years waiting time | ~2.5 years waiting time | ~3 years waiting time |
| Public common spaces | Private common spaces | Private common spaces |
| Extensive renovation required | Minimal renovation required | Minimal renovation required |
| Income not more than $14,000 | Income not more than $16,000 | NA |
| 5 or 10 years Minimum Occupancy Period (MOP) | 5 years Minimum Occupancy Period (MOP) | 4 years Seller's Stamp Duty (SSD) |
| Not to be sold to foreigner or single age below 35 | Can be sold to SC/ SPR after 5 years or foreigner after 10 years | Can be sold to everybody |
| Lower maintenance fees | Higher maintenance fees | Higher maintenance fees |
Reasons to buy an EC
购买 EC 的理由
- EC is subsidised by the government. Therefore the entry price is around 30% cheaper than private condos.
- EC 由政府补贴。因此，入门价比私人公寓便宜30%左右。
- Has all the premium facade and facilities of a private condo or even better than a private condo.
- 具有私人公寓的所有高级外观和设施，甚至比私人公寓更好。
- No ABSD (Additional Buyer Stamp Duties) even you own a HDB at the moment.
- 即使您目前拥有组屋，也无需付额外买方印花税。
- You can get up to 75% loan for buying EC even if you still have outstanding loan at the moment.
- 即使您目前有未偿还的贷款，您也可以获得高达75%的贷款购买EC。
- Eligible applicants can receive up to $30,000 in CPF housing grants.
- 符合资格的申请人最多可获得 $30,000 的公积金住房津贴。
- Deferred Payment Scheme is available for EC. Bank installment only kicks in upon key collection.
- 延迟付款计划适用于EC。 银行分期付款仅在领取钥匙时生效。
- Perfect entry property for couples planning to multiply their asset in future, with very good capital upside.
- 理想的入门物业，适合打算在将来增加资产的夫妇，具有很好的资本上涨潜力。
- Buying an EC is a privilege that only Singaporeans can enjoy based on certain eligibility criteria.
- 根据某些资格标准，购买EC是只有新加坡人才能享受的特权。
新执行共管公寓
EC 是什么?
EC (Executive Condominium)，即执行共管公寓，是新加坡政府推出的一种介于组屋与私人公寓之间的物业品种，旨在帮助处于夹心层（家庭月收入低于1万6,000新币）的新加坡人以远低于市场价（市场价的70-80%）的价格拥有公寓。EC 在自住 5 年之后可以卖给新加坡人/永久居民， 10 年后可以卖给外国人。
购买新 EC 条件
- 需核心家庭成员 2 人联名购买，至少要有 1 个新加坡人，至少 21 岁。即新加坡人 + 新加坡人，或新加坡人 + 永久居民（永久居民未满 3 年也可购买）
- 家庭月收入不高于 16,000 新币
- 若买家已经拥有私宅，则要卖掉 30 个月后方可申请新 EC
- 若买家已有组屋，需要满足最低居住年限（Minimum Occupation Period）5 年后方可申请新 EC
新加坡人为什么要买新 EC
EC 兼具自住与投资价值。 EC 是一种有限制的公寓，它以较低的价格满足了新加坡人居住品质，提升生活品质的需要。同时给买家提供了投资机会。在自住 5 年后，EC 就可以进入市场，与附近其他公寓一样进行交易，增值幅度大，价格与普通公寓差别很小。
近年来新移民购买 EC 的比例越来越高，EC 已经成为新移民置业投资的主要选择。对新移民来说，大多在 SPR 期间购买组屋，待最低自住年限满足后，组屋的增值无疑带来潜在收益，用此作为基础而购买 EC 无疑是二次置业投资，实现物业再升值，财富再集聚。尤其是当前各种降温政策实施后，EC 成为最好的投资渠道。额外印花税（ABSD, Additional Buyer Stamp Duty）及总借贷比例限制（TDSR , Total debt serving ratio）让普通人购买 2 套以上住房进行投资的机会和价值几乎消失。因为 EC 购买者只有一套房产，不需要额外印花税。
EC 买家可以获得政府高额津贴。EC 买家如果是第一次政府购房者，能够得到高达 3 万新币的政府津贴。新一代的新加坡人，包括新移民，有较高的收入，也有较高的生活品质要求，组屋充其量只是短期的置业选择，长期来看并不能满足他们的生活需要，EC 相对于公寓设施完善，又有政府津贴，是绝佳的置业选择。而随着收入的增长，他们可能很快就因为家庭月收入超过上限而失去拿津贴购买 EC 的机会。所以他们愿意提早购买，享受价格优惠与津贴。
政府对新 EC 的态度如何?
新加坡发展部部长在 2014 年 4 月的博文中提出“EC 计划一直在帮助来自各种背景的新加坡人，满足他们购买私宅的愿望，我将继续确保 EC 计划按照正确的方向走下去，能继续满足新加坡人的提升住房需求”，从政府近年土地供应来看，EC 的单位数量一直在增加。
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