In reply to Elaine.
Hi Elaine, if you bought an EC directly from a developer but you never applied for any grants, you will be considered a first-timer.
You will be considered a 2nd-timer if you have bought a flat from HDB before, took a CPF Housing Grant to purchase public housing (such as DBSS, resale HDB, EC), enjoyed other subsidies (eg. SERS), or transferred a HDB flat bought directly from HDB or a HDB resale flat bought with a CPF Housing Grant before.
