What Are Jumbo Flats In Singapore And How Can You Buy One?

Key Takeaways

Jumbo flats in Singapore are spacious HDB units formed by combining two smaller flats, offering 150-170 sqm of living space. Ideal for multi-generational families, these flats are located in both non-mature and mature estates. Buyers must meet eligibility criteria, including citizenship and age requirements, and secure financing. The HDB Conversion Scheme supports creating jumbo flats.



In Singapore, space is a precious commodity, and jumbo flats are one solution for families looking for more room to grow. These larger-than-life HDB flats have become increasingly popular, offering a rare combination of space, flexibility, and affordability compared to private properties. Jumbo flats in Singapore are two adjacent HDB flats merged into one, giving homeowners ample living area, multiple bathrooms, and an abundance of options for customisation.

If you’re considering upgrading to a jumbo flat, it’s important to understand the features that set them apart, the eligibility criteria, and how you can purchase one. In this article, we’ll take a closer look at what jumbo flats are, where to find them, and how you can make one your new home.

What Are Jumbo Flats in Singapore?

Jumbo flats are among the largest HDB flats in Singapore. They are a unique type of property that combines two adjacent flats, creating a more spacious living environment compared to typical HDB apartments. These flats were introduced by the Housing & Development Board (HDB) to address an oversupply of smaller apartments back in the 1980s, particularly in areas where demand was low.

Size and Layout of Jumbo Flats

Jumbo flats are typically larger than standard HDB flats. While a standard 5-room flat can range from 90 to 100 square metres, a jumbo flat usually spans between 150 to 170 square metres. This extra space makes them particularly attractive to larger families or those seeking more flexibility in their living spaces.

A typical jumbo flat consists of two combined 3-room or 4-room flats. This layout creates additional bedrooms, living spaces, bathrooms, and a larger kitchen, making it ideal for families who require more room. As these flats are more extensive, homeowners can design different zones within the flats. Homeowners often turn one of the rooms into a dedicated office space or a recreation area, making it more adaptable to today’s lifestyles.

Why Are Jumbo Flats Called “Jumbo”?

The term “jumbo” is not just a marketing buzzword – it accurately describes the scale of these flats. With dimensions up to two or three times the size of typical HDB flats, jumbo flats offer a level of comfort and space that many Singaporeans are eager to get their hands on. Their popularity has grown over the years due to the growing demand for more spacious homes, especially as families expand or as people seek flexible living arrangements.

Why Choose a Jumbo Flat?

Space and Flexibility

Jumbo flats are perfect for people who need more room. With additional bedrooms and a larger living area, they are ideal for families with children or multiple generations living together. The space allows for separate zones for sleeping, working, dining, and leisure. In fact, one of the main appeals of jumbo flats is that they offer the opportunity to create a home that caters to all the different needs of family members without the constraint of small spaces.

A jumbo flat’s layout also provides greater flexibility for homeowners. Families can easily transform rooms into home offices, entertainment spaces, or even rental units for passive income. For those who work from home, jumbo flats allow for dedicated office spaces that help maintain work-life balance.

Suitability for Multi-Generational Living

As Singapore’s housing market shifts, more families are opting for multi-generational living arrangements. Jumbo flats offer the perfect solution for these families, allowing them to live under one roof without feeling cramped. They provide the privacy needed for different family members while still maintaining a sense of closeness. Whether it’s for elderly parents or young children, jumbo flats can be designed to suit everyone’s needs, with room to spare for privacy and togetherness.

Potential for Passive Income

In addition to providing more space, jumbo flats offer the potential for passive income. The size of the flat allows homeowners to rent out certain rooms or parts of the flat, such as a converted bedroom or even an entire section of the flat. This makes jumbo flats a viable option for those looking to generate extra income without sacrificing personal privacy.

How Big Are Jumbo Flats?

Jumbo flats are the most significant type of HDB flat you can own in Singapore. Measuring between 150 to 170 square metres, they are substantially larger than standard flats, which typically range from 70 to 120 square metres. This additional space makes a significant difference in terms of layout, comfort, and functionality.

Comparison with Other HDB Flats

Jumbo flats stand out for their sheer size. They are designed to offer more room in every aspect of living, making them the top choice for larger families or anyone who needs significant space.

Spacious Living Areas and Extra Features

The extra size of a jumbo flat means more room for living, dining, and kitchen areas. These flats are often designed with spacious kitchens and large bathrooms to enhance the quality of living. Many jumbo flats also have additional features, such as balconies and courtyards, which contribute to the overall appeal of the flat.

Where Are Jumbo Flats Located?

Jumbo flats in Singapore are primarily located in non-mature estates, although a few can also be found in mature estates. The most common areas where jumbo flats are situated include Woodlands, Yishun, Ang Mo Kio, Bishan, and Jurong East.

Woodlands and Yishun

Woodlands and Yishun are among the top locations for jumbo flats in Singapore. These areas are considered non-mature estates, meaning they are more affordable compared to other central locations. Although they are further from the city centre, these areas offer more spacious homes at relatively lower prices. Additionally, Woodlands and Yishun are well-connected to the rest of Singapore by public transport, making them ideal for those looking for a balance of space and accessibility.

Ang Mo Kio, Bishan, and Jurong East

While most jumbo flats are located in non-mature estates, some are located in mature estates, such as Ang Mo Kio, Bishan, and Jurong East. These areas offer the advantage of being closer to key amenities and transport hubs. However, jumbo flats in these areas tend to be priced higher due to their proximity to established facilities, schools, and commercial centres.

Non-Mature vs Mature Estates

The main difference between non-mature and mature estates is the cost of the property. Jumbo flats located in non-mature estates tend to be more affordable compared to those in mature estates. However, due to their prime locations, those in mature estates may offer better long-term investment opportunities.

Eligibility Criteria for Purchasing Jumbo Flats

Age and Citizenship Requirements

To purchase a jumbo flat, at least one buyer must be a Singaporean citizen and at least 35 years old. This eligibility rule ensures that jumbo flats are bought by families or individuals who are likely to stay long-term. The age requirement reflects the fact that jumbo flats are often purchased for family-oriented purposes, such as multi-generational living or accommodating a larger household.

Family Nucleus

A family nucleus, such as a spouse and children, is also required to qualify for the purchase of a jumbo flat. This requirement aligns with Singapore’s policy of promoting family cohesion and encouraging multi-generational living. If you do not already own an HDB flat, you can also purchase two adjoining flats to create a jumbo flat, provided the units meet the eligibility requirements.

Loan and Financing Options

Jumbo flats are usually purchased with a bank loan. Since these flats can be pretty expensive, securing a loan that covers the cost is essential. Buyers should check the available bank loan options to ensure they can meet the financial commitment.

If you’re considering a jumbo flat and need financial assistance, JNB Credit is here to help. We offer loan solutions designed to support your home purchase needs. Whether you’re looking to secure a bank loan or need additional financing, apply for a loan with JNB Credit today and take the first step toward owning your dream home. Let us guide you through the process with a loan tailored to your circumstances.

The HDB Conversion Scheme

The HDB Conversion Scheme allows homeowners to combine two adjacent HDB flats into a jumbo flat. This scheme is beneficial for families who need extra space but do not want to move to a larger private property. The conversion scheme offers a solution that allows homeowners to stay within the HDB system while enjoying the benefits of a much larger living space.

Eligibility and Requirements

To qualify for the Conversion Scheme, the flats being combined must each have a maximum of three rooms. Additionally, buyers must ensure that the flats they purchase are eligible for conversion under the HDB guidelines. Conversion also involves certain physical modifications to the units, such as creating openings between the flats, which must comply with safety regulations.

Is a Jumbo Flat the Right Choice for You?

Jumbo flats provide ample space, flexibility, and the opportunity for multi-generational living, making them an ideal choice for larger families or those who need more room to grow. While the price tag may be higher and certain restrictions apply, the benefits of a jumbo flat often outweigh these drawbacks for families looking for extra space without moving to a private property. A jumbo flat offers an excellent solution.

These spacious homes allow for creative layouts, private areas for family members, and even opportunities for passive income through room rentals. As long as you meet the eligibility requirements, purchasing a jumbo flat can be a smart move for those looking to upgrade their living situation.

If you’re ready to explore your financing options for a jumbo flat, JNB Credit can help. We offer tailored loan solutions to suit your needs. Apply for a loan from JNB Credit today and take the next step towards securing your dream home.