Yes — a Singapore Permanent Resident (SPR) can buy an HDB flat, but there are important restrictions. Here’s the basic breakdown: PRs can generally buy resale HDB flats only. PRs usually cannot buy new BTO flats unless buying with a Singapore Citizen spouse. Common eligibility rules for PRs buying a resale HDB: Must be at least 21 years old Must have held PR status for at least 3 years ( both applicants must fulfill 3 years ) Must form an eligible family nucleus (for example:

stress after making the wrong financial decision