Do you qualify for Jurong East EC?
Answer a few questions and move the income slider. You’ll see whether you qualify under the 2026 rules, and any grant or levy. Send me the result if you want me to double-check.
The four main rules
Jurong East comes under the new 2026 rules. The ECs on sale today are still under the old ones, so don’t compare them one to one.
Household income ceiling
Minimum Occupation Period
Reserved for first-timers, two years
No private property
CPF Family Grant for a new EC
| Income up to | Citizen + Citizen | Citizen + PR |
|---|---|---|
| $10,000 | $30,000 | $20,000 |
| $11,000 | $20,000 | $10,000 |
| $12,000 | $10,000 | None |
| Above $12,000 | None | None |
Resale levy for HDB upgraders
| Previous flat | Levy |
|---|---|
| 2-room flat | $15,000 |
| 3-room flat | $30,000 |
| 4-room flat | $40,000 |
| 5-room flat | $45,000 |
| Executive flat | $50,000 |
| Executive Condominium | $55,000 |
Financing an EC
ECs are bought with a bank loan, not an HDB loan. You can borrow up to 75% of the price, for at most 30 years. The instalment can’t be more than 30% of household income (MSR), and all your debts together can’t be more than 55% (TDSR). Of the 25% downpayment, at least 5% must be cash and the rest can come from CPF. You pay in stages as the building goes up. The Deferred Payment Scheme is no longer offered.
Not sure if you qualify?
Jeffery Ng · CEA Reg. No. R050136D · Huttons Asia Pte Ltd · Licence No. L3008899K
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Eligibility questions
Who can apply for Jurong East EC?
A family with at least one Singapore Citizen (citizen + citizen, or citizen + PR). The main applicant must be 21 or older, household income must be S$18,000 a month or less, and nobody in the application can have owned or sold private property in the 30 months before applying.
What CPF grants are available for Jurong East EC?
First-timer citizen couples can get the CPF Family Grant: S$30,000 if household income is S$10,000 or less, S$20,000 up to S$11,000, and S$10,000 up to S$12,000. Citizen + PR couples get S$10,000 less at each level. If one of you is a second-timer, it is the Half-Housing Grant instead. Above S$12,000 there is no grant. Check the latest amounts on hdb.gov.sg.
What is the resale levy?
If your last flat was bought from HDB or with a CPF Housing Grant, you pay a levy when you buy a new EC. It is S$15,000 for a 2-room, S$30,000 for a 3-room, S$40,000 for a 4-room, S$45,000 for a 5-room, S$50,000 for an Executive flat and S$55,000 for an EC. Singles pay half.
Does the income ceiling apply when I book, or when I apply?
When you submit the e-application for the project. Because the Jurong East tender closes after 24 August 2026, the S$18,000 ceiling applies whenever you apply.
I own an HDB flat. Do I have to sell it?
Yes, within six months of the EC’s TOP. Your flat also needs to have finished its MOP before you apply.
What is the maximum loan for an EC?
Up to 75% of the price, from a bank. HDB loans are not available for ECs. Your instalment cannot be more than 30% of household income (MSR), all your debts together cannot be more than 55% (TDSR), and the longest loan is 30 years. Of the 25% downpayment, at least 5% must be cash and the rest can come from CPF Ordinary Account.