HDB and CPF Rules for Singaporeans Buying in Johor Bahru | 新加坡人在新山买房：组屋与公积金规定
· Malaysia Home Finder
If you own an HDB flat, four Singapore rules decide whether you can buy a home in Johor Bahru, and when. They are the Minimum Occupation Period (MOP), the CPF rules, HDB’s rules for your next flat, and ABSD. This page sums up what HDB, CEA, CPF Board and IRAS say, in plain words, with links.如果您名下有组屋，能不能在新山买房、什么时候能买，取决于四条新加坡规定：最低居住期（MOP）、公积金（CPF）规定、建屋局对下一套组屋的规定，以及额外买方印花税（ABSD）。本页用简单的话整理建屋局、CEA、公积金局和税务局（IRAS）的说法，并附上链接。
Quick answers快速回答
| Question问题 | Short answer简答 | Official source官方来源 |
|---|---|---|
| Can I buy in JB during my MOP?最低居住期内能在新山买房吗？ | No. HDB and CEA say this covers property overseas too.不能。建屋局和CEA都说明海外房产也包括在内。 | HDB, CEA建屋局、CEA |
| Can I buy after my MOP?最低居住期满后能买吗？ | Yes. HDB sets no limit on the number of private homes.可以。建屋局不限私宅数量。 | HDB建屋局 |
| Can I use CPF?能用公积金吗？ | No. CPF savings can only buy property in Singapore.不能。公积金只能用于购买新加坡的房产。 | CPF Board公积金局 |
| Does a JB home count for ABSD?新山房产算进ABSD的房产数量吗？ | No. IRAS says property outside Singapore is not counted.不算。IRAS表示新加坡以外的房产不计入。 | IRASIRAS |
| Can I buy a new HDB flat later?以后还能买新组屋吗？ | For a new flat, a flat with grants or an HDB loan: not while you own it, then a 30-month wait after you sell. For a resale flat with no grant and no HDB loan: no wait since 28 July 2026, but you must sell the JB home within 6 months.新组屋、领津贴的组屋或建屋局贷款：持有期间不能，卖掉后还要等30个月。不领津贴、不用建屋局贷款的转售组屋：2026年7月28日起无需等待，但须在6个月内卖掉新山房产。 | HDB建屋局 |
Buying as a foreigner?外国买家？
Tell us your budget. We send the projects and units that meet the foreigner minimum.告诉我们预算，我们发给您符合外国人门槛的项目与单位。
Rule 1: no JB purchase during the MOP规定一：最低居住期内不能在新山买房
HDB’s page on acquiring private property says that during the MOP, the flat owner, their spouse and the occupiers are not allowed to acquire private residential property. You can only buy locally or overseas after the MOP. This includes signing a sale and purchase agreement (SPA), whether the home is still being built or is ready.建屋局的购买私宅说明写明：在最低居住期内，屋主、配偶及列名居住者都不可购买私人住宅。本地或海外房产都要等最低居住期满后才能买。这包括签署买卖合约（SPA），无论房子是在建还是已完工。
CEA, the agency that licenses Singapore property agents, said the same on 25 July 2024: HDB owners cannot buy private homes “locally or overseas” within the MOP. CEA also reminded agents to give clients correct advice. Read the CEA note.新加坡房地产代理理事会（CEA）在2024年7月25日也说明：组屋屋主在最低居住期内不能在”本地或海外”购买私宅，并提醒中介要给客户正确的建议。查看CEA说明。
- MOP length per HDB: 5 years for Standard and unclassified flats, 10 years for Plus and Prime flats, 20 years for Fresh Start flats.建屋局规定的最低居住期：标准型及未分类组屋5年，Plus和Prime组屋10年，Fresh Start组屋20年。
- HDB counts the MOP up to the date you sign the SPA for the private home (or exercise the option to purchase), whether it is built or still under construction. Time when the whole flat was rented out or not lived in does not count.建屋局计算最低居住期，算到您签私宅买卖合约（或行使购买选择权）的那一天，无论房子是否已建成。整间组屋出租或没有住的时间不计入。
- Buying through someone else does not get around it. HDB does not allow you to hold a private home on trust for another person during the MOP.用别人名义买也不行。建屋局不允许在最低居住期内以信托方式替他人持有私宅。
Rule 2: after the MOP, you can buy规定二：最低居住期满后可以买
After the MOP, HDB says there is no limit on how many private homes you can buy. If at least one owner is a Singapore Citizen, you can keep the HDB flat. HDB’s conditions page adds that you must keep living in the flat unless HDB has approved renting it out.最低居住期满后，建屋局表示购买私宅的数量没有限制。如果至少一名屋主是新加坡公民，可以保留组屋。建屋局的购屋后条件页面还写明：除非建屋局批准出租，否则您仍须住在组屋里。
If every owner is a Singapore Permanent Resident, HDB’s rule is stricter for private homes in Singapore: you must sell the flat within 6 months. HDB’s page does not say whether this applies to overseas homes. Ask HDB before you buy.如果所有屋主都是新加坡永久居民，建屋局对新加坡本地私宅的规定更严格：须在6个月内卖掉组屋。建屋局页面没有说明海外房产是否适用。买之前请先问建屋局。
Rule 3: CPF cannot pay for a JB home规定三：公积金不能用来买新山房产
CPF Board’s answer is short: “CPF savings can only be used to buy properties in Singapore.” See the CPF answer. So your down payment, the Malaysian stamp duty and fees, and the monthly instalments must come from cash or a bank loan.公积金局的回答很简单：”公积金存款只能用于购买新加坡的房产。”查看公积金局回答。所以首付、马来西亚的印花税和各项费用，以及每月供款，都要用现金或银行贷款支付。
Rule 4: owning in JB affects your next HDB flat规定四：持有新山房产会影响下一套组屋
Many buyers miss this one. HDB’s eligibility rules say everyone in an HDB Flat Eligibility (HFE) application for a new flat, a flat with grants or an HDB loan must not own or have an interest in any local or overseas private residential property. This covers completed and uncompleted homes.很多买家忽略了这一点。建屋局的购屋资格规定写明：申请新组屋、领津贴的组屋或建屋局贷款的组屋资格信（HFE）时，所有人都不能拥有或持有任何本地或海外私人住宅的权益，已完工和在建的都算。
- After you sell, you wait 30 months before an HFE application for a new HDB flat, a resale Plus or Prime flat, a resale flat with CPF housing grants, or an HDB loan.卖掉后，要等30个月才能为新组屋、转售Plus或Prime组屋、使用公积金购屋津贴的转售组屋或建屋局贷款申请资格信。
- Since 28 July 2026, there is no wait for a resale flat bought with no grant and no HDB loan. You must sell your private home, in Singapore or overseas, within 6 months of completing the flat purchase. The old 15-month wait no longer applies. AsiaOne, 28 Jul 2026 · The Star, 28 Jul 2026.2026年7月28日起，不领津贴、不用建屋局贷款购买转售组屋，无需等待；但须在完成购屋后6个月内卖掉私宅（新加坡或海外均适用）。原本的15个月等待期已取消。AsiaOne，2026年7月28日 · The Star，2026年7月28日。
- HDB counts the 30-month wait from the legal completion of your sale.30个月等待期从出售的法律完成日起算。
- HDB has a separate exception for Singapore Citizens aged 55 and above buying some flat types. Ask HDB if this applies to you.建屋局对购买部分组屋类型的55岁及以上新加坡公民另有例外，请向建屋局确认是否适用于您。
If you are young and still planning a BTO or an HDB loan, a JB purchase can close that door for years. Plan the order first.如果您还年轻、还打算申请预购组屋（BTO）或建屋局贷款，在新山买房可能让这条路关上好几年。先想清楚先后顺序。
ABSD: a JB home is not counted额外买方印花税：新山房产不计入
IRAS says properties owned outside Singapore are not included in the property count for ABSD. See the IRAS answer. So owning a JB home does not raise the ABSD on your next Singapore purchase. On the Malaysian side, since 1 January 2026 foreigners pay a flat 8% stamp duty on the transfer, on the price or market value, whichever is higher; see our cost examples.IRAS表示，新加坡以外的房产不计入ABSD的房产数量。查看IRAS回答。所以持有新山房产，不会提高您下次在新加坡买房的ABSD。马来西亚这边，自2026年1月1日起，外国人转让时须按买价或市值（取较高者）缴纳统一8%印花税，详见我们的费用示例。
Before you book a unit预订单位之前
- Find your MOP end date on HDB’s My Flat Dashboard or ask HDB.在建屋局 My Flat Dashboard 查到最低居住期届满日，或直接问建屋局。
- Do not sign a JB SPA before that date.在届满日之前不要签新山的买卖合约。
- Decide if you may want a new HDB flat or HDB loan in the next few years.想清楚未来几年会不会还想买新组屋或用建屋局贷款。
- Plan cash for the down payment and Malaysian costs, as CPF cannot be used.公积金不能用，所以首付和马来西亚的费用要准备现金。
Once the Singapore side is clear, the Malaysian rules are in foreigners buying property in Johor, and the financing options in home loans for Singaporeans and foreigners.新加坡这边理清之后，马来西亚的规定见外国人在柔佛买房，贷款选择见新加坡人和外国人的房贷。
FAQ常见问题
My MOP ends in four months. Can I sign now so I don’t miss the launch?我的最低居住期还有四个月才满，可以先签，免得错过开盘吗？
No. HDB counts the MOP up to the SPA date for the private home, and buying during the MOP is not allowed. Wait until the MOP has ended before you sign.不可以。建屋局计算最低居住期算到私宅买卖合约的日期，而最低居住期内不允许购买。请等期满后再签。
Can my parents buy the JB unit in their names while I pay?可以用父母的名字买，由我来付钱吗？
HDB does not allow anyone to hold private property on trust for another person during the MOP. If your parents are listed as occupiers of your flat, the MOP rule also applies to them.建屋局不允许在最低居住期内以信托方式替他人持有私宅。如果父母是您组屋的列名居住者，最低居住期规定同样适用于他们。
Can I use CPF for the Malaysian stamp duty or legal fees?马来西亚的印花税或律师费可以用公积金付吗？
No. CPF Board says CPF savings can only be used for property in Singapore.不可以。公积金局表示公积金只能用于新加坡的房产。
Will a JB condo make my next Singapore condo pay more ABSD?新山公寓会让我下次在新加坡买公寓多付ABSD吗？
No. IRAS says properties outside Singapore are not counted for ABSD.不会。IRAS表示新加坡以外的房产不计入ABSD。
I sold my JB unit. When can I apply for a BTO?新山单位卖了，什么时候可以申请预购组屋？
HDB says 30 months after the legal completion of the sale, for a new flat, a flat with grants or an HDB loan. For a resale flat with no grant and no HDB loan, there has been no wait since 28 July 2026.建屋局规定：新组屋、领津贴的组屋或建屋局贷款，要在出售法律完成日起30个月后。不领津贴、不用建屋局贷款的转售组屋，2026年7月28日起无需等待。
Sources资料来源
- HDB: Acquiring private property (checked 13 Oct 2026)建屋局：购买私人房产（2026年10月13日查阅）
- HDB: Conditions after buying (MOP) (checked 13 Oct 2026)建屋局：购屋后条件（最低居住期）（2026年10月13日查阅）
- HDB: Flat and grant eligibility, private property and wait-out (checked 14 Oct 2026)建屋局：购屋及津贴资格、私宅与等待期（2026年10月14日查阅）
- AsiaOne: 15-month wait-out removed for private property owners (28 Jul 2026)AsiaOne：私宅屋主15个月等待期取消（2026年7月28日）
- The Star: Singapore scraps 15-month wait for private homeowners buying HDB resale flats (28 Jul 2026)The Star：新加坡取消私宅屋主购买转售组屋的15个月等待期（2026年7月28日）
- CEA: Providing correct advice on HDB’s MOP rules (25 Jul 2024) (checked 13 Oct 2026)CEA：就组屋最低居住期规定提供正确建议（2024年7月25日）（2026年10月13日查阅）
- CPF Board on ask.gov.sg: Can I use CPF to buy overseas property? (checked 13 Oct 2026)公积金局（ask.gov.sg）：能否用公积金买海外房产？（2026年10月13日查阅）
- IRAS on ask.gov.sg: overseas property and ABSD (checked 13 Oct 2026)IRAS（ask.gov.sg）：海外房产与ABSD（2026年10月13日查阅）
Last checked: 14 Oct 2026. This page is general information, not legal, tax or financial advice. Rules change, so confirm your own case with the agency or a lawyer before you commit.最后核对：2026年10月14日。本页为一般资讯，不构成法律、税务或理财建议。规定会变，签约前请向相关机构或律师确认您自己的情况。
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