You may sell a new launch condo before TOP but Seller's Stamp Duty applies if sold within 3 years: 12% (1st year), 8% (2nd year), 4% (3rd year), and 0% after 3 years.

can i sell my new launch condo before top?

Is it possible to sell a new launch condo before TOP

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What is the defence of contributory negligence

is the tenancy still valid when the landlord passes away during the lease term

Is the tenancy still valid if the landlord passes away during the lease term

You can find out how much grant you’re eligible for by applying for the HDB Flat Eligibility (HFE) letter.

Below are the various CPF Housing Grants available for couples applying for BTO (Build-To-Order) or SBF (Sale of Balance Flats) flats:

1) If both applicants are first-timers:
   - Enhanced CPF Housing Grant (EHG) for couples, amounting up to $120,000.
     - The average monthly household income (over 12 months) must not exceed $9,000.
     - You and/or your co-applicants must have worked continuously for at least 12 months.
     - At least one of the applicants must be working at the time of the HFE application.

2) If both applicants are second-timers:
   - Step-Up CPF Housing Grant, amounting up to $15,000.
     - For couples living in a 2-room subsidised flat in a non-mature estate or public rental flat and wish to buy a new 3-room flat in a non-mature estate.
     - Or for couples living in a public rental flat buying a 2-room flat in a non-mature estate.
     - You and/or your co-applicants must have worked continuously for at least 12 months.
     - At least one of the applicants must be working at the time of the HFE application.

3) If one applicant is a first-timer and the other a second-timer, or if one applicant is not a Singapore Citizen (Non-Citizen Spouse Scheme):
   - Enhanced CPF Housing Grant (EHG) for Singles [EHG (Singles)], amounting up to $60,000.
     - Half of the average monthly household income (over 12 months) must not exceed $4,500.
     - You and/or your co-applicants must have worked continuously for at least 12 months.
     - At least one of the applicants must be working at the time of the HFE application.

These grants can be combined with or supplemented by other grants, depending on your eligibility.

BTO grants include the Enhanced CPF Housing Grant (up to $120k) for first-timers with income ≤$9k, and Step-Up CPF Housing Grant (up to $15k) for eligible second-timers upgrading from smaller flats or rentals in non-mature estates.

What are the different BTO grants available

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