Singapore postal district & sector code

Singapore is divided into 28 separate postal districts. The following is a list of the areas and localities covered in each of the 28 districts:

D1 City - Business District
Boat Quay, Chinatown, Havelock Road, Marina Square, Raffles Place, Suntec City

D2 City - Business District
Anson Road, Chinatown, Neil Road, Raffles Place, Shenton Way, Tanjong Pagar

D3 Central South
Alexandra Road, Tiong Bahru, Queenstown

D4 South
Keppel, Mount Faber, Sentosa, Telok Blangah

D5 South West
Buona Vista, Dover, Pasir Panjang, West Coast

D6 City - Business District
City Hall, High Street, North Bridge Road

D7 City
Beach Road, Bencoolen Road, Bugis, Rochor

D8 Central
Little India, Farrer Park, Serangoon Road

D9 Central - Orchard
Cairnhill, Killiney, Leonie Hill, Orchard, Oxley

D10 Central - Near Orchard
Balmoral, Bukit Timah, Grange Road, Holland, Orchard Boulevard, River Valley, Tanglin Road

D11 Central - Near Orchard
Chancery, Bukit Timah, Dunearn Road, Newton

D12 Central
Balestier, Moulmein, Novena, Toa Payoh

D13 Central East
Potong Pasir, Machpherson

D14 Central East
Eunos, Geylang, Kembangan, Paya Lebar

D15 East Coast
Katong, Marine Parade, Siglap, Tanjong Rhu

D16 Upper East Coast
Bayshore, Bedok, Chai Chee

D17 Far East
Changi, Loyang, Pasir Ris

D18 Far East
Pasir Ris, Simei, Tampines

D19 North East
Hougang, Punggol, Sengkang

D20 Central North
Ang Mo Kio, Bishan, Braddell Road, Thomson

D21 Central West
Clementi, Upper Bukit Timah, Hume Avenue

D22 Far West
Boon Lay, Jurong, Tuas

D23 North West
Bukit Batok, Choa Chu Kang, Hillview Avenue, Upper Bukit Timah

D24 Far North West
Kranji, Lim Chu Kang, Sungei Gedong, Tengah

D25 Far North
Admiralty, Woodlands

D26 North
Tagore, Yio Chu Kang

D27 Far North
Admiralty, Sembawang, Yishun

D28 North East
Seletar, Yio Chu Kang

The following table lists the different postal districts:

Postal District	Postal Sector (1st 2 digits of 6-digit postal codes)	General Location
01 - City	01,02,03,04,05,06	Raffles Place, Cecil, Marina, People's Park
02 - City	07, 08	Anson, Tanjong Pagar
03 - Central South	14,15, 16	Queenstown, Tiong Bahru
04 - South	09, 10	Telok Blangah, Harbourfront
05 - South West	11, 12, 13	Pasir Panjang, Hong Leong Garden, Clementi New Town
06 - City	17	High Street, Beach Road (part)
07 - City	18, 19	Middle Road, Golden Mile
08 - Central	20, 21	Little India
09 - Central - Orchard	22, 23	Orchard, Cairnhill, River Valley
10 - Central - Orchard	24, 25, 26, 27	Ardmore, Bukit Timah, Holland Road, Tanglin
11 - Central - Orchard	28, 29, 30	Watten Estate, Novena, Thomson
12 - Central	31, 32, 33	Balestier, Toa Payoh, Serangoon
13 - Central East	34, 35, 36, 37	Macpherson, Braddell
14 - Central East	38, 39, 40, 41	Geylang, Eunos
15 - East Coast	42, 43, 44, 45	Katong, Joo Chiat, Amber Road
16 - Upper East Coast	46, 47, 48	Bedok, Upper East Coast, Eastwood, Kew Drive
17 - Far East	49, 50, 81	Loyang, Changi
18 - Far East	51, 52	Tampines, Pasir Ris
19 - North East	53, 54, 55, 82	Serangoon Garden, Hougang, Ponggol
20 - Central North	56, 57	Bishan, Ang Mo Kio
21 - Central West	58, 59	Upper Bukit Timah, Clementi Park, Ulu Pandan
22 - Far West	60, 61, 62, 63, 64	Jurong
23 - North West	65, 66, 67, 68	Hillview, Dairy Farm, Bukit Panjang, Choa Chu Kang
24 - Far North West	69, 70, 71	Lim Chu Kang, Tengah
25 - Far North	72, 73	Kranji, Woodgrove
26 - North	77, 78	Upper Thomson, Springleaf
27 - Far North	75, 76	Yishun, Sembawang
28 - North East	79, 80	Seletar

HDB appointments for selling of HDB flat

HDB flat seller will be required to attend two appointments for the sale of flat:
1. First Appointment
2. Completion Appointment (Second Appointment)

Prior to the First Appointment, the resale flat must be inspected by Technical Officers from HDB's Branch Office to check for any unauthorised renovation. The purpose of the inspection by the Branch Office is to check for unauthorised renovation works in the resale flat which may damage HDB property and affect the structural stability of the flats/building.

The First Appointment is arranged for HDB resale officers to meet both the resale flat buyers/sellers. During this appointment, HDB will explain the resale procedures to both the buyers as well as the sellers. Verification of seller’s eligibility, sellers/buyers authorization for HDB to act for them in the conveyancing (buyers/sellers may engage their own solicitor to act for them), fix the Completion Date and
calculation of the amount of conveyancing fees that needs to be paid for the Resale transaction will also be conducted in the first appointment.

The second appointment or completion appointment is scheduled between 6 to 8 weeks from the date of the first appointment. During the 2nd appointment, the signing of the a number of documents such as the mortgage document/agreement by the buyer (if buyers take a HDB loan), transfer document will be conducted. Also seller will handover the keys to buyer after the buyer confirms that the flat has been vacated and its condition is acceptable (buyers are to arrange for a final inspection of the flat with the sellers before the date of completion).

HDB recently transacted resale prices

While a property agent would have the information of the average prices of similar flats in a particular area, a buyer / seller should do their own homework and be aware of market prices.

One of the most popular e-services at HDB's website is the Resale Flat Prices search facility which enables the public to check recently transacted resale prices without charge. This is part of the HDB's on-going efforts to provide better services to the public to enable buyers and sellers of HDB resale flats make more informed decisions.

This e-service enables a user to check past 1-year resale transacted prices. The objective is to assist potential resale flat buyers and sellers in making informed decisions, taking into account the prevailing trends in the HDB resale market.

The data is based on approved resale applications and is updated on the 1st and 16th of each month.

Toa Payoh - Excellent Residential Location

Toa Payoh is a district located in the Central Region of Singapore. Occupying a land area of approximately 8 sq km, it is one of the most populated public housing estates in Singapore and is the closest estate to the city. It houses some 150,000 residents to date and is one of the earliest satellite public housing estates in Singapore.

In the Hokkien dialect, Toa Payoh translates to "big swamp" (Toa means "big" and Payoh means "swamp"). It is the Chinese equivalent of Paya Lebar. To the older generation of Chinese here, Toa Payoh is known as Ang Xiang Shan or "burial hill" due to the prominent fixture of a cemetery located in the area.

The Toa Payoh Planning Area, an urban planning zone under the Urban Redevelopment Authority, encompasses the Toa Payoh New Town, Potong Pasir and the private housing estates in the Upper Aljunied area. The planning area is bounded by Braddell Road and Bartley Road to the north, Upper Paya Lebar Road to the east, MacPherson Road and Jalan Toa Payoh to the south and Thomson Road to the west. It covers a total of 845 ha in land area.

The Toa Payoh New Town, HDB's second satellite town after Queenstown, was built in 1968. The housing estate is self-contained and has a town center acting as a focal point for the shopping and entertainment needs of the residents. Industrial developments were also built within the town to provide residents with job opportunities close to home while schools were built within the neighborhoods.

The commercial development, HDB Hub, located at the Toa Payoh Town Center was completed in 2002. The Housing and Development Board relocated its headquarters from its premises at Bukit Merah to the HDB Hub on 10 June 2002. The building also accommodates Singapore's first fully air-conditioned Toa Payoh Bus Interchange and integrates it with the existing Toa Payoh MRT Station. Toa Payoh MRT Station (NS19) is an underground station of the Mass Rapid Transit's North South Line in Singapore.

The sporting facilities are based in the southern central part of Toa Payoh, which is located near the town center. It consists of 3500 seater Toa Payoh Stadium. There is also Toa Payoh Swimming Complex, where national swimmers train at the complex.

The Toa Payoh Community Library, located at 6, Toa Payoh Central, Singapore 319191 was opened on 7 February 1974. It was the second full-time branch library built by the National Library to decentralize its library services.

Toa Payoh Town Park was first developed in the seventies. The park is furnished with amenities such as open-concept restrooms, a large pavilion with a stage for organized activities, rustic-looking gazebos for the relaxation of visitors and brightly colored pathways for an enjoyable stroll or jog around the park. The park also features such as cascading pools at the edge of the pond, fountain pool around the observation tower, trellises with climbing plants, colorful landscapes throughout the park and festive lighting during national celebrations.

From Toa Payoh, getting to the bustling and trendy Orchard Road is a short drive or a MRT ride of 3 stops only. With its hawker centres, coffee shops, a community library, SAFRA, a landscaped park, two MRT station - Toa Payoh MRT Station (NS19) and Braddel MRT Station (N S18), Toa Payoh is proving to be an excellent place for both residents and visitors to experience local culture.

Single Singapore Citizen Scheme in purchasing resale HDB flat

Different types of flats under HDB will have different sets of criteria that you will have to fulfill in order to make a purchase. All criteria typically involve citizenship status, age, family nucleus, income ceiling, time bar and ethnic policy factors.

In the case of Single Singaporean Citizen Scheme, single Singapore citizens who have reached the age of 35 (based on date of birth) can buy a resale HDB flat under the Single Singapore Citizen Scheme. There is no restriction by flat type or location.

As for widowed persons and orphans, the age criterion is at least 21. For an orphan buying a resale flat on his or her own, he or she must not have another sibling below the age of 35 buying a flat separately under the Orphans Scheme, Single Singapore Citizen Scheme or Joint Singles Scheme.

There is no income ceiling for this scheme unless applying for CPF Housing Grant and/or an HDB loan. Should you apply for the CPF Housing Grant for Single, your household income must be less than $3000, else you will not be granted the CPF Housing Grant.

A purchaser can own private property (unless applying for CPF Housing Grant) but must live in the HDB resale flat. However if you are applying for CPF Housing Grant, you MUST not be owner of any private property.

HDB resale flat buyer eligibility

Buying a home is not only the biggest financial commitment one will ever make. In Singapore, if you are going to purchase a HDB resale flat, you should also ensure that you have met the eligibility conditions before committing to the resale transaction.

At the moment, you have to qualify under one of the following schemes so that you can buy a resale flat from the open market:

• Public Scheme
• Fiancé/Fiancée Scheme
• Single Singapore Citizen Scheme
• Joint Singles Scheme
• Non-Citizen Spouse Scheme
• Non-Citizen Family Scheme
• Orphans Scheme
• Citizen/Singapore Permanent Resident (SPR) Siblings Scheme

Basically the eligibility conditions are with regards to citizenship, age and family nucleus.

If you are eligible to buy, the resale flat you are going to buy must also satisfy the Ethnic Integration Policy (EIP), which sets maximum proportions for ethnic groups in each block. The EIP is aimed to promote racial integration and harmony and to prevent the formation of racial enclaves, by ensuring a balanced ethnic mix among the various ethnic communities living in public housing estates.

It is good to refer to the TERMS AND CONDITIONS OF SALE/PURCHASE
OF AN HDB RESALE FLAT before proceeding to buy a flat in the open market.

HDB - the biggest landlord & developer of Singapore

Residential property in Singapore can be broadly classified into land properties, private and public housing. The vast majority (80%) of Singapore residents live in public housing estates while the rest reside in private estates. The HDB (Housing & Development Board) is the organization that plans and develops affordable and comfortable residential estates

The HDB is the statutory board of the Ministry of National Development responsible for public housing in Singapore. It's headquarters were previously located at Bukit Merah. The new HDB Hub is now located at 480 Lorong 6 Toa Payoh since 10 June 2002. The HDB's comprehensive housing programmes have involved the provision of not only the residential units but also the supporting facilities in the housing estates such as shops, childcare centers, carparks and industrial workshops.

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The HDB is generally credited with clearing up the squatters and slums of the 1960s and resettling residents into low-cost government-built housing. About 80-90% of Singapore's population are currently living in HDB flats. Costing between S$110,000 to S$800,000, these units are the most common form of accommodation for locals in Singapore. Thus, in Singapore's context, HDB flatas or the public housing is not considered a sign of poverty or a lower standard of living; as compared to public housing in other developed countries. For example, an HDB 4-room flat depending on age, environment and surrounding amenities can have a sale value of between S$300,000 to above S$400,000. Adding to the variety of public housing is the design, build and sell scheme (DBSS) introduced in 2005. Under DBSS, designated sites are sold to private developers, who are then responsible for designing, building and selling the flats.

An intermediate category of housing to bridge the gap between HDB flats and private condominiums was introduced in 1995. Called executive condominiums, these units offer the standard of private condominium living but at lower prices even though they are built and sold by private developers. The reselling of such units is subject to certain restrictions, which are lifted only after a minimum occupation period of ten years.

Shortly after independence, Singapore faced a serious problem of housing shortages. In response, the government passed the Housing and Development Act of 1960 which replaced the existing Singapore Improvement Trust with the Housing and Development Board. The very first priority during formation was to build as many low-cost housing units as possible. Through the years, the emphasis of its housing programmes has shifted from quantity of housing to quality of life. Beyond the flat itself, there is now also more attention given to the overall quality of the housing estate in terms of the amenities provided, aesthetic appeal and visual identity.

In 1968, citizens were allowed to use their pension fund (Central Provident Fund) to purchase and own the homes they were renting to give them a stake of the country and as an incentive to work hard. In 1980, a quota was introduced to ensure that no particular racial group concentrated together to prevent sectarianism. There must be a certain ratio of ethnicity within the HDB blocks, and any move-in or move-out must adhere to this policy.

In the 1990s, the HDB concentrated on the upgrading of existing older flats, installing new facilities such as lifts that stop on every floor. The first programme, called the main upgrading programme, was launched in 1990. Under this programme, improvement works are carried out within the flat and at the block and precinct levels. In 1995, HDB launched the selective en-bloc redevelopment scheme, which involves the demolition of entire blocks for redevelopment. Smaller-scale programmes have also been developed since 1990 to bring the benefits of upgrading to more residents. These include the home improvement programme launched in 2007 that targets common maintenance problems within the flat such as spalling concrete and ceiling leaks.

Ownership in public housing is limited to a 99-year lease. Size is usually denoted by the terms such as four-room, five-room or similar, and is based on the number of bedrooms in addition to the living room but newer five-room apartments come with only three bedrooms and a dining room. The largest HDB flats (in terms of floor area) ever built are two-storey Executive Masionettes built in the 1990s which can have floor area ranging from 160 - 190 m².