Based on your situation, here's how things typically work:
1. **BTO Eligibility Under the Single Scheme:** Generally, under HDB's **Single Scheme**, you can apply for a Build-To-Order (BTO) flat as a single applicant, but there are specific criteria. As you've already received two HDB subsidies in your lifetime (with your ex-husband), **you may not be eligible for further subsidies**, especially if the earlier flats were under the same scheme. This is a key factor in HDB’s eligibility guidelines.
2. **HFE (Housing Eligibility) Application:** You’ll need to apply for an **HFE (Housing Eligibility)** check to see if you qualify to purchase a flat on your own under the Single Scheme. The HFE will assess your eligibility based on your age, marital status, previous HDB ownership, and subsidy usage.
3. **Resale Option:** If you're not eligible for a new BTO flat, you might still be eligible to purchase a **resale flat** without a subsidy, which could be another route to consider if you wish to own a home again.
As you’ve mentioned that you’re currently a divorcee with no children, and considering the previous subsidies used, it’s best to verify your eligibility directly through the HFE application. This will give you a clearer picture of your options for either applying for a BTO or exploring other pathways.TO PLAY SAFE >>REACH OUT TO HDB FOR TO VERIFY :)
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