# Age Eligibility for Community Care Apartments Lowered From 65 To 55 years old; Monthly Fees Reduced By 18% To 75% With New Subsidies - **Source:** Ministry of National Development - **Published:** 2026-07-13T04:00:00.000Z - **Author:** Ministry of National Development - **Original:** https://www.mnd.gov.sg/newsroom/press-releases/view/age-eligibility-for-community-care-apartments-lowered-from-65-to-55-years-old-monthly-fees-reduced-by-18-to-75-with-new-subsidies - **Topics:** HDB & Public Housing, Private Residential, Government & Policy ## Featured rationale Earlier eligibility and lower care costs may encourage more seniors to right-size sooner, potentially increasing demand for CCAs while releasing larger homes into the resale market. ## AI summary From October 2026, CCA eligibility will fall from age 65 to 55, while revised subsidies will reduce existing residents’ monthly BSP fees by 18 - 75%. ## Original article As part of our commitment to make housing and care options more accessible and affordable for seniors, the Ministry of Health (MOH), Ministry of National Development (MND), and Housing & Development Board (HDB) will lower the age eligibility and reduce the Basic Service Package (BSP) fees for Community Care Apartments (CCAs). These enhancements to CCAs are part of the Government's broader efforts to expand housing and care options for seniors, alongside the roll-out of Age Well Neighbourhoods and the mainstreaming of Shared Stay-In Caregiving Services. Introduced in 2021, CCAs integrate senior-friendly housing with care services and offer a housing option for seniors who wish to age independently within the community. Lower Age Eligibility from 65 to 55 Years Old Currently, applicants and their spouse (if any) must both be at least 65 years old , to be eligible to apply for a CCA. With effect from the October 2026 Build-To-Order (BTO) sales exercise, HDB will lower the age eligibility from 65 to 55 years old, so that seniors who wish to right-size their homes can consider both 2-room Flexi flats on short lease and CCAs when they turn 55 years old. This will give them more housing options to choose from, and more time to plan ahead. The lowered age eligibility will also apply to available CCAs offered at future Sale of Balance Flats (SBF) exercises. To date, HDB has launched five CCA projects in Bukit Batok, Queenstown, Bedok, Geylang and Sengkang. The sixth CCA project will be launched in Toa Payoh in October 2026 as part of a new BTO project next to Caldecott MRT station. Seniors who wish to participate in the October 2026 sales exercise must have a valid HDB Flat Eligibility (HFE) letter reflecting their eligibility to buy a CCA when they submit their flat application. a) Those who do not have an HFE letter are encouraged to apply for an HFE letter early and submit all required documents by 15 September 2026. b) Applicants with a valid HFE letter who were aged 55 and above at the time of their HFE letter application will have their HFE letter updated by HDB to reflect their eligibility to buy a CCA. c) Applicants with a valid HFE letter who were aged below 55 at the time of their HFE letter application, but will turn 55 years old before the October 2026 sales exercise, must re-apply for an HFE letter if they wish to apply for a CCA. They are encouraged to do so by 15 September 2026. Applicants are encouraged to check their HFE letter for their eligibility to buy a CCA. Eligible seniors who do not see their eligibility to buy a CCA reflected in their HFE letter on or after 1 October 2026 may write to HDB via https://www.hdb.gov.sg/write-to-us/ for further assistance. More Affordable Basic Service Package Streamlining the BSP scope All CCA residents are required to subscribe to the BSP, which provides a range of care and support services. For CCAs in operation from 2026 onwards, we will streamline the scope of services, taking into account seniors’ feedback. The BSP will be more affordable as cost of operations and administration of the BSP will be reduced. Social activities for CCA residents will be consolidated and provided via Active Ageing Centre (AAC) touchpoints located at or near the CCA. This would reduce the need for standalone communal spaces in future CCAs. Similar to other AAC touchpoints across Singapore, these activities will be subsidised, with most provided free-of-charge. With this, the costs for social programming, as well as the maintenance costs for standalone communal spaces in future CCAs, will be removed from the BSP fees. In addition, the emergency alert device feature originally in the BSP will be made optional. Residents who decide not to have the emergency alert device will continue to have access to 24-hour emergency support through the CCA staff. This change provides residents with options that will lower the BSP fees. Introduction of BSP subsidy To further reduce the cost of the BSP, MOH will subsidise components of the BSP that are similar to those currently subsidised under national Long-Term Care (LTC) schemes. These include the support provided by the CCA staff and 24/7 emergency response. The subsidy will be subjected to prevailing means-testing for non-residential LTC services (see Annex A). CCA applicants assessed to be unable to perform at least one Activity of Daily Living will be eligible for this subsidy. With the streamlined BSP scope and after subsidy, residents of CCAs that were launched before 2026 will see reductions of 18 - 75% to their monthly BSP fees. CCAs to be launched in or after 2026 will have lower BSP fees with the most streamlined scope of services. The BSP fees will be reviewed periodically to account for seniors’ care needs, inflation and changes to operational costs. Please refer to Annex B for more details on the BSP. Vanguard Healthcare, the CCA operator, will also reach out to CCA residents to provide more details when ready. The revised BSP fees and subsidies will be implemented from Q2 2027 with details available on https://go.gov.sg/basicservicepackage. MINISTRY OF HEALTH MINISTRY OF NATIONAL DEVELOPMENT HOUSING & DEVELOPMENT BOARD Annex A: Subsidy Framework for BSP components Annex B: Scope of services offered by CCAs ## Chinese translation > Translation model: grok_cli ### 社区护理公寓年龄资格由65岁下调至55岁；在新津贴下月费减少18%至75% 作为我们让年长者更易获得、更能负担住房与护理选择承诺的一部分，卫生部（MOH）、国家发展部（MND）及建屋发展局（HDB）将下调社区护理公寓（CCA）的年龄资格，并降低基本服务配套（BSP）费用。这些对社区护理公寓的加强措施，是政府扩大年长者住房与护理选择更广泛努力的一部分，与“乐龄好邻里”（Age Well Neighbourhoods）的推出及共享驻家护理服务的普及化同步推进。 社区护理公寓于2021年推出，将乐龄友好住房与护理服务相结合，为希望在社区中独立安老的年长者提供住房选择。 年龄资格由65岁下调至55岁 目前，申请人及其配偶（如有）均须年满至少65岁，才有资格申请社区护理公寓。自2026年10月预购组屋（BTO）销售活动起，建屋发展局将把年龄资格由65岁下调至55岁，使希望缩小居住空间的年长者在年满55岁时，可同时考虑短租约二房式灵活组屋及社区护理公寓。这将为他们提供更多住房选择，并有更充裕时间提前规划。下调后的年龄资格亦将适用于日后剩余组屋销售（SBF）活动中推出的社区护理公寓单位。 至今，建屋发展局已在武吉巴督、女皇镇、勿洛、芽笼及盛港推出五个社区护理公寓项目。第六个社区护理公寓项目将于2026年10月在大巴窑推出，作为加冷哥打地铁站旁新预购组屋项目的一部分。 有意参与2026年10月销售活动的年长者，在提交组屋申请时须持有有效的组屋资格（HFE）信函，并显示其有资格购买社区护理公寓。 a）尚未持有HFE信函者，应尽早申请HFE信函，并在2026年9月15日前提交所有所需文件。 b）持有有效HFE信函、且在申请HFE信函时年满55岁及以上者，建屋发展局将更新其HFE信函，以反映其有资格购买社区护理公寓。 c）持有有效HFE信函、在申请HFE信函时未满55岁，但将在2026年10月销售活动前年满55岁者，若希望申请社区护理公寓，须重新申请HFE信函。建议他们在2026年9月15日前办理。 申请人应查阅HFE信函，确认是否有资格购买社区护理公寓。符合资格的年长者若在2026年10月1日或之后仍未在HFE信函中看到有资格购买社区护理公寓的说明，可通过 https://www.hdb.gov.sg/write-to-us/ 致函建屋发展局寻求进一步协助。 更可负担的基本服务配套 精简基本服务配套范围 所有社区护理公寓住户均须订阅基本服务配套，该配套提供一系列护理与支援服务。对于2026年起投入运作的社区护理公寓，我们将在考虑年长者反馈后精简服务范围。由于基本服务配套的营运与行政成本降低，费用将更可负担。 社区护理公寓住户的社交活动将整合，并通过设于社区护理公寓内或附近的乐龄活动中心（AAC）服务点提供。这将减少未来社区护理公寓对独立共用空间的需求。与新加坡其他乐龄活动中心服务点类似，这些活动将获津贴，其中多数免费提供。因此，社交活动规划费用，以及未来社区护理公寓中独立共用空间的维修费用，将从基本服务配套费用中剔除。 此外，原属基本服务配套的紧急警报装置功能将改为可选择。决定不安装紧急警报装置的住户，仍可通过社区护理公寓职员获得24小时紧急支援。此项调整为住户提供可降低基本服务配套费用的选择。 引入基本服务配套津贴 为进一步降低基本服务配套费用，卫生部将就与国家长期护理（LTC）计划下目前获津贴部分类似的基本服务配套组成部分提供津贴。这些包括社区护理公寓职员所提供的支援及全天候紧急应变。津贴将须通过现行非住家长期护理服务的经济状况调查（见附件A）。经评估无法完成至少一项日常生活活动的社区护理公寓申请人，有资格获得此项津贴。 在精简基本服务配套范围并扣除津贴后，2026年前推出的社区护理公寓住户，其每月基本服务配套费用将减少18%至75%。2026年或之后推出的社区护理公寓，将以最精简的服务范围提供更低的基本服务配套费用。基本服务配套费用将定期检讨，以顾及年长者的护理需求、通胀及营运成本变化。有关基本服务配套的更多详情，请参阅附件B。 社区护理公寓运营商先锋医疗（Vanguard Healthcare）亦将在准备就绪时联系住户，提供更多详情。修订后的基本服务配套费用及津贴将自2027年第二季起实施，详情见 https://go.gov.sg/basicservicepackage。 卫生部 国家发展部 建屋发展局 附件A：基本服务配套组成部分的津贴框架 附件B：社区护理公寓所提供的服务范围