# HDB Community Care Apartments (CCA) BTO guide: eligibility, leases & care package

Published 5 November 2026. By [Cheng Xu](https://btoradar.com/about), BTO Radar.

**Community Care Apartments (CCAs)** are HDB public housing flats jointly developed by the Ministry of National Development (MND), the Ministry of Health (MOH) and HDB to integrate senior-friendly housing with on-site social and care services ([HDB Seniors Eligibility & CCA Rules](https://www.hdb.gov.sg/buying-a-flat/flat-grant-and-loan-eligibility/seniors)). Unlike standard 2-room Flexi flats, CCAs pair a **32 sqm studio layout** and communal living spaces on every floor with a **mandatory Basic Service Package** so seniors can age independently in the community.

## Who is eligible for a Community Care Apartment (CCA)?

From the November 2026 BTO exercise, the CCA minimum age is **55**, reduced from 65 ([HDB age eligibility announcement](https://www.hdb.gov.sg/hdb-pulse/news/2026/age-eligibility-for-community-care-apartments-lowered-from-65-to-55-years-old)). According to HDB's published eligibility conditions for seniors ([HDB Seniors Eligibility](https://www.hdb.gov.sg/buying-a-flat/flat-grant-and-loan-eligibility/seniors)):

| Requirement | Community Care Apartment (CCA) rule | Short-lease 2-room Flexi comparison |
|---|---|---|
| **Minimum age** | Applicants and any spouse listed must be aged **55 and above** | Aged **55 and above** |
| **Citizenship** | At least one Singapore Citizen (SC) applicant; apply alone or under an eligible family nucleus, including eligible SC/SPR spouse or family members; joint singles must be SCs | At least one SC applicant |
| **Monthly household income ceiling** | **$16,000** | **$16,000** (short-lease 2-room Flexi) |
| **Property ownership** | Must not own or have an interest in any local or overseas private residential property, or must dispose of it before or within 6 months of collecting keys (depending on property type); HDB assesses prior housing-subsidy history in the HFE letter | Same disposal rules for private property and existing HDB flat |
| **Lease length options** | **15 to 45 years** in 5-year increments, provided the chosen lease covers the youngest buyer and spouse to at least **age 95** (CCAs offered before November 2026 had leases from 15 to 35 years) | **15 to 45 years** in 5-year increments (covering to at least age 95) |
| **Payment & mortgage** | Paid upfront with cash and/or CPF OA (or HDB short-term financing bridge if selling an existing HDB flat); commercial bank loans are not available for short-lease flats | Same upfront cash/CPF payment structure |

## Mandatory Basic Service Package and optional care services

Every CCA household subscribes to a **mandatory Basic Service Package** throughout the lease, which includes:

- **24-hour emergency monitoring and response service** and key card access.
- **On-site Community Manager** who links residents with care providers, coordinates wellness activities and facilitates simple home fixes.
- **Basic health checks** and communal programming in shared spaces across the block.
- **Priority admission to a nearby nursing home** should a resident later require full-time institutional care.

Optional care services — such as assistance with activities of daily living, meal delivery, housekeeping and laundry — can be added on a pay-per-use basis as care needs evolve.

## Resale and rental restrictions on Community Care Apartments

Because CCAs are subsidised short-lease assisted-living flats:

1. **No open-market resale**: You **cannot sell a Community Care Apartment on the open market** or sublet the whole flat or bedroom ([HDB Seniors Eligibility](https://www.hdb.gov.sg/buying-a-flat/flat-grant-and-loan-eligibility/seniors)).
2. **Returning the flat to HDB**: If you no longer need the flat (or upon the passing of the owners), the flat is returned to HDB, which refunds the **value of the remaining lease** under HDB’s prevailing surrender valuation and terms.

## Tracked BTO launches offering Community Care Apartments

BTO Radar tracks CCA availability directly from HDB's launch feed:

- **[Toa Payoh Hillside](https://btoradar.com/bto/2026-11/toa-payoh-hillside)** ([November 2026 BTO launch](https://btoradar.com/bto/2026-11), Toa Payoh · Prime): Offers **2-room Flexi, 4-room and Community Care Apartment** units.
- **Upcoming Tampines BTO project** ([BTO launches hub](https://btoradar.com/bto)): Announced by HDB with **2-room Flexi, 3-room, 4-room, 5-room and Community Care Apartment** flat types.

Compare senior 2-room Flexi ballot odds across all tracked projects in the [BTO project matcher](https://btoradar.com/tools/bto-matcher?category=elderly&flat=2-room) or check your senior priority quota in the [BTO priority schemes matcher](https://btoradar.com/tools/priority-schemes?profile=senior&flat=2-room).