Why the New Family Care Scheme (FCS) for 2025 Is Big News for Singaporeans

Singapore’s housing policies are about to see a major change. Starting mid-2025, the Family Care Scheme (FCS) will replace existing priority schemes like the Married Child Priority Scheme (MCPS), Senior Priority Scheme (SPS), and Multi-Generation Priority Scheme (MGPS). This new framework is designed to make it easier for families to live closer together, promoting intergenerational living in a more streamlined and inclusive way.

For years, singles in particular have faced difficulties when applying for housing near their parents. Many find it almost impossible to secure flats close enough to manage caregiving duties effectively. With the introduction of the FCS, those barriers are being removed, offering singles — and families — a better chance to support their loved ones while staying connected.

Whether you’re hoping to live near your ageing parents to provide support or applying for joint flats as a family, the FCS simplifies the process and ensures greater equity in housing access. Here’s all you need to know.

What is the Family Care Scheme (FCS)?

Who qualifies for the Family Care Scheme (FCS)?

The FCS expands eligibility to include a broader range of family structures, giving singles a fairer chance at proximity housing.

How to apply for the Family Care Scheme (FCS)

To apply for the FCS, follow these steps:

1. Check your eligibility

• Ensure all applicants meet the criteria outlined above.
• Determine whether you’re applying for Proximity Housing or Joint Balloting.

2. Prepare all documents

• NRICs of all applicants.
• Proof of family relationship (e.g., birth certificates, marriage certificates).
• Documents proving caregiving arrangements (if applicable).

3. Submit your application

• Apply during the BTO launch period via the HDB portal.
• Select the FCS option during the flat application process.

4. Wait for the balloting results

Successful applicants under FCS may receive priority during flat allocation, depending on demand.

5. Receive allocation and finalise purchase

If successful, proceed with signing agreements and financing arrangements.

How does the Family Care Scheme (FCS) compare to existing schemes?

Here’s how the FCS stacks up against current schemes:

4 challenges you might face with the upcoming Family Care Scheme (FCS) in 2025

While the FCS introduces significant benefits for families and singles seeking proximity housing, it is essential to consider the potential challenges that might arise.

1. More competition for flats in popular areas

Flats in mature estates, particularly those with well-established amenities, schools, and transport links, are already in high demand. With the FCS prioritising proximity housing, this demand is expected to rise even further as more families and singles apply to live near their loved ones. This could lead to:

• Lower success rates in the ballot for flats in mature estates, especially for applicants outside the FCS who do not qualify for priority.
• Potential price appreciation in resale flats in these areas as unsuccessful BTO applicants turn to the resale market.

Buyers should consider diversifying their location preferences and researching nearby non-mature estates with growing amenities to improve their chances of securing a home.

2. BTO flat availability may be limited

HDB often imposes quotas on priority schemes to ensure fairness and balance in flat allocation. While the exact details for the FCS quotas have not been announced, applicants should be prepared for potential:

• Limited availability of flats designated for FCS applicants in each launch, particularly for larger unit types in mature estates.
• Longer waiting times for families determined to live in prime areas under the scheme if demand significantly outpaces supply.

Families should stay informed about HDB announcements regarding quotas and plan their applications strategically, such as applying in areas with historically lower demand or during launches with higher flat supply.

3. Factor in your future needs before applying

While the FCS is designed to promote proximity, life circumstances often evolve, such as job relocations, changing caregiving needs, or family dynamics. Applicants may face challenges if their:

• Flat location becomes inconvenient for new work or lifestyle demands.
• Caregiving requirements shift, requiring additional family members to move or changes to living arrangements.

A step toward a more equitable housing future

The Family Care Scheme isn’t just another housing policy — it’s a statement about the importance of family in Singapore’s social fabric. By giving singles equal access to housing priorities and promoting intergenerational caregiving, the FCS makes home ownership more inclusive and reflective of modern family needs.

As Singaporeans, whether single or married, we now have new opportunities to stay connected with our families in ways that align with caregiving roles and responsibilities. The FCS may not solve every housing challenge, but it’s a step toward a more equitable future.

Should you sell or buy your home in 2025?

With the new Family Care Scheme (FCS) set to revolutionise Singapore’s housing policies, there’s no better time to get expert advice on securing the best property for you. Drop us a message on WhatsApp to speak with any of our property agents.