The scheme was introduced that people who want to buy better than HDB Flat, but there was no risk to buying private property with credIT bureau. For irregular, HDB Habitat and Development Board- Singapore, Singapore is a short word for public housing authorization. It was established by the Singapore government, whose goal was to help Singapore buy a quality home at cheaper prices.
Fixed resident or PR allows direct HDB to buy HDB flat, if they make a family Nobel with Singaporeans citizens. PR can also buy HDB Flat from the reseller market. They include at least one official as a Singaporean or a PR.