Executive Condominium (EC) Income Ceiling & Key Buying Considerations
To qualify for an Executive Condominium in Singapore, the combined average gross monthly income of two applicants over the last 3 months must not exceed $16,000.
- $10K + $6K = $16K → Eligible
- $10K + $4K = $14K → Eligible
- $15K + $2K = $17K → Not Eligible
- $10K + $8K = $18K → Not Eligible
Before You Buy an EC:
ECs come with a 5-year Minimum Occupation Period (MOP) after key collection. Including construction, expect an 8-year holding period or longer before selling.
While grants may apply, they typically form a small portion (e.g. ~3%) of the purchase price and shouldn’t be the main reason to buy. If flexibility matters and budget allows, a private condominium may be a better fit. Buy an EC for long-term value and potential appreciation, not just the grant.
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执行共管公寓（EC）收入上限与购房要点
购买新加坡 EC，两位申请人过去3个月的平均月总收入不得超过 $16,000。
- $10K + $6K = $16K → 符合资格
- $10K + $4K = $14K → 符合资格
- $15K + $2K = $17K → 不符合资格
- $10K + $8K = $18K → 不符合资格
购买 EC 前须知：
EC 需完成 5 年最低居住期（MOP），加上建屋期，整体持有期约 8 年或更长。
政府补贴通常只占房价的一小部分（如约 3%），不应成为主要购买动机。若重视灵活性且预算允许，私人公寓可能更合适。选择 EC，应着眼于长期升值潜力，而非补贴本身。
