Forum: Relook one-year penalty for HDB applicants who don’t select a flat when invited to do so

I am writing to raise concerns about the HDB policy that imposes a one-year penalty on Build-To-Order applicants who choose not to select a flat when invited to do so.

HDB’s rationale is that applicants who pass on their selection deprive others of a chance at home ownership. When someone declines to select a flat, the next person in line is invited. The system continues smoothly, and no flat is left unselected simply because someone ahead opted out.

This policy, however, fails to account for the personal and long-term nature of buying a home.

After waiting for months or even years, applicants may find only low-floor units or flats with less desirable locations or facings left. Declining to proceed under such circumstances is not indecisiveness but a careful and necessary decision.

The blanket one-year restriction feels excessive. It punishes caution rather than frivolity and could pressure some into accepting units they are uncomfortable with, just to avoid the penalty. This benefits no one, and may lead to future dissatisfaction or turnover.

While I understand the need to keep the allocation process fair and efficient, I urge HDB to consider a more flexible approach. For example, the policy could consider the type and number of flats available at the point of selection, or allow a limited number of opt-outs without penalty. A one-size-fits-all rule does not accommodate cases where options are genuinely unsuitable.

Singapore’s public housing system is respected for its fairness and accessibility. But fairness should also mean allowing space for applicants to make informed, suitable choices especially for a decision as important and long term as buying a home.

I hope HDB will review this policy with empathy and practicality in mind.

Yong Sow Shiung