Your Guide to owning an Executive Condominium in Singapore. Welcome to ECLaunch.com

Hi there!

Do you have questions in your mind?

Will there be a recession next year? Interest rates are all time high, is it a good time to buy? Are you upgrading or right-sizing your current home? Is buying a new EC going to be the new chapter of your life? So many questions on bank loan eligibility, EC criteria, locations and commitments. Not sure if you are ready for investment? Give me a call at 98469648 for enquiries. I will be glad to assist! ~ Irene Tan

Recent EC Launch of Copen Grand in a new township Tengah saw a fantastic 100% Sold-out rate on 26 Nov 2022 (within a month after the launched day).

And TENET, in a mature township of Tampines, saw a 72% Sold-out rate on 3 December 2022 launch date.

THE BEST KEPT SECRET IS OUT!

Why are many people eyeing on ECs?

– Low price entry as compare to private condo new launch.

– Desired by many, owned by few

– No ABSD of 17% if you are still holding your HDB flat currently

– Getting up to $30,000 of Cpf grant for those eligible

– Housing loan of up to 75% even if you are still holding your HDB flat currently

– Choice of Normal Progressive Payment Scheme (NPS) or Deferred Payment Scheme (DPS)

– Built-in potential growth. Capital appreciation when selling after MOP

Here’s a list of interesting reads:

What is an EC?

Why EC?

Can I afford an EC?

Resale Levy

First Timer or Second Timer?

EC Payment Schedule

Am I eligible to buy an EC?

EC Launches that are been sold awaiting for TOP :

Piermont Grand @ Sumang Walk (Punggol) – estimated TOP Q4 2023

Parc Canberra @ Canberra Link (Sembawang) – estimated TOP Q4 2023

Ola @ Anchorvale Crescent (Sengkang) – estimated TOP Q4 2024

Parc Central Residences @ Tampines Ave 10 – estimated TOP Q3 2023

Provence Residence @ Canberra Link (Sembawang) – estimated TOP Q3 2024

Parc Greenwich @ Fernvale Lane (Sengkang) – estimated TOP Q4 2024

North Gaia @ Yishun Ave 9 – estimated TOP Q1 2025

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Note: In this pandemic era, all EC applicants and those who have successfully secured your EC units should refer to the latest details from their developers and/or authorised parties eg. law firm for accurate timeline of the project development. Thank you!

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现有的执行共管公寓

EC (Executive Condominium) ，即执行共管公寓，是新加坡政府推出的一种介于组屋与公寓之间的物业品种，旨在帮助处于夹心层（家庭月收入低于 16000 新币）的新加坡人以远低于市场价 ( 市场价的 70-80%) 的价格拥有公寓。 EC 在自住 5 年之后可以卖给新加坡人 / 永久居民， 10 年后可以卖给外国人。

++购买新EC 条件++

– 需核心家庭成员2 人联名购买，至少要有1 个新加坡人，至少21 岁。即新加坡人+ 新加坡人，或新加坡人+ 永久居民（永久居民未满3 年也可购买）。

– 家庭月收入不高于16000 新币

– 若买家已经拥有私宅，则要卖掉30 个月后方可申请EC

– 若买家已有组屋，需要满足最低居住年限要求 (Minimum Occupation Period), 通常为 5 年。

++新加坡人为什么爱买EC++

EC 兼具自住与投资价值。 EC 是一种有限制的公寓，它以较低的价格满足了新加坡人居住公寓，提升生活品质的需要。同时给买家提供了一个投资机会。在自住 5 年后， EC 就可以进入市场，与附近其他公寓一样进行交易，增值幅度大，价格与普通公寓差别很小。

近年来新移民购买 EC 的比例越来越高， EC 已经成为新移民置业投资的主要选择。对新移民来说，大多在 PR 期间购买组屋，待最低自住年限满足后，组屋的升值无疑带来一定潜在收益，用此作为基础而购买 EC 无疑是二次置业投资，实现物业再升值，财富再集聚。尤其是当前各种降温政策实施后， EC 成为最好的投资渠道。额外印花税（ ABSD, Additional Buyer Stamp Duty ）及总偿债比例限制（ TDSR ， Total debt serving ratio ）让普通人购买 2 套以上住房进行投资的机会和价值几乎消失。 EC 却依然可以在满足投资需要同时，兼顾自住需求。因为 EC 购买者只有一套房产，不需要额外印花税。

EC 买家可以获得政府高额津贴。 EC 买家如果是第一次政府购房者，能够得到高达 3 万新币的政府津贴。新一代的新加坡人，包括新移民，有较高的收入，也有较高的生活品质要求，组屋充其量只是短期的置业选择，长期来看并不能满足他们的生活需要， EC 相对于公寓，设施完善，又且有政府津贴，是绝佳的置业选择。而随着收入的增长，他们可能很快就因为家庭月收入超过顶限而失去拿津贴购买 EC 的机会。所以他们愿意提早购买，享受价格优惠与津贴。

++降温政策频出，政府对EC 的态度如何?++

新加坡发展部部长在2014 年4 月的博文中提出“EC 计划一直在帮助来自各种背景的新加坡人，满足他们购买私宅的愿望，我将继续确保EC 计划按照正确的方向走下去，能继续满足新加坡人的提升住房需求”, 从政府近年土地供应量来看，EC 的单位数量一直在增加。

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