
What grants can I get?
The Government provides housing subsidies in the form of CPF grants. The grant must be use for the initial payment for the flat or to reduce the mortgage loan first before your Cash and CPF and loan is disbursed.
Click on the FAQ below to find out more
Income document guidelines
As eligibility for the EHG is based on 12 months of employment, these are the income guidelines when applying for this grant. Aside from these mentioned documents, we may also request other documents for verification, if needed.
Documents to Submit | |
---|---|
Employed person |
Or
And
Notes:
|
Self-employed person |
Or
And
Or
|
Part-time worker/ Commission-based person |
Or
And (for commission-based person)
|
Odd job worker |
And
|
Full-time student receiving stipends |
Notes:
|
Income/ allowance that will be considered for the income ceiling
- Allowances (fixed/ variable) received on a regular basis, such as allowances for food, transport, laundry, uniform
- Sustenance Allowance
- Stipend
Income/ allowance that is not considered for the income ceiling
- Alimony allowance
- Bonuses
- Income from overtime work
- Interest from deposit accounts
- National Service Allowance
- Pension
- Rental income
- Scholarship overseas allowance
- Overseas cost of living allowance
- Director’s fee
Income document guidelines
As eligibility for the EHG is based on 12 months of employment, these are the income guidelines when applying for this grant. Aside from these mentioned documents, we may also request other documents for verification, if needed.
Documents to Submit | |
---|---|
Employed person |
Or
And
Notes:
|
Self-employed person |
Or
And
Or
|
Part-time worker/ Commission-based person |
Or
And (for commission-based person)
|
Odd job worker |
And
|
Full-time student receiving stipends |
Notes:
|
Income/ allowance that will be considered for the income ceiling
- Allowances (fixed/ variable) received on a regular basis, such as allowances for food, transport, laundry, uniform
- Sustenance Allowance
- Stipend
Income/ allowance that is not considered for the income ceiling
- Alimony allowance
- Bonuses
- Income from overtime work
- Interest from deposit accounts
- National Service Allowance
- Pension
- Rental income
- Scholarship overseas allowance
- Overseas cost of living allowance
- Director’s fee
Single Grant amount
- $25,000 (2- to 4-room resale flat)
- $20,000 (5 room resale flat)
Single grant Eligibility
Citizenship | Singapore Citizen |
Age | At least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes:
|
Household Status | You must be a first-timer applicant, meaning that you must meet the following criteria:
|
Income Ceiling | Your average gross monthly household income must not exceed:
|
Flat Type |
|
Remaining Lease of Flat |
|
Ownership/ Interest in Property | You and the other flat applicants must not:
|
Time bar | Cancellation of Application After Booking a Flat If you book a flat from the March 2012 sales exercise onwards and subsequently cancel the flat booking, you will have to meet a one-year period from the date of cancellation before you can apply or be included as an essential occupier for a resale flat with CPF Housing Grant. |
^ For resale applications received on or after 11 September 2019. For resale applications received before 11 September 2019, income ceilings are $6,000 (if buying a resale flat under the Single Singapore Citizen Scheme) or $12,000 (if buying a resale flat under other schemes)
==============================================================================
Enhanced Housing Grant (Singles)
Amount | $2,500 to $40,000 |
Assistance For |
|
Grant amount and Eligibility
The EHG amount is graduated according to income brackets to offer lower-income earners a higher grant amount.
Average Monthly Income Over 12 Months | EHG Amount |
---|---|
Not more than $750 | $40,000 |
$751 to $1,000 | $37,500 |
$1,001 to $1,250 | $35,000 |
$1,251 to $1,500 | $32,500 |
$1,501 to $1,750 | $30,000 |
$1,751 to $2,000 | $27,500 |
$2,001 to $2,250 | $25,000 |
$2,251 to $2,500 | $22,500 |
$2,501 to $2,750 | $20,000 |
$2,751 to $3,000 | $17,500 |
$3,001 to $3,250 | $15,000 |
$3,251 to $3,500 | $12,500 |
$3,501 to $3,750 | $10,000 |
$3,751 to $4,000 | $7,500 |
$4,001 to $4,250 | $5,000 |
$4,251 to $4,500 | $2,500 |
Eligibility
- You must first meet all of the eligibility conditions for the Singles Grant, and satisfy these conditions:
Employment Status | You must:
|
Income Ceiling | The average gross monthly income of the Singapore Citizen for the 12 months before the flat application must not exceed $4,500. |
Remaining Lease of Flat | 20 years or more Flat must have sufficient lease to cover the youngest buyer to the age of 95 to qualify for the full EHG. Otherwise, the EHG will be pro-rated. You can get a flat lease’s details with our HDB Map Services |
Family Grant amount
(SC and SC)
- $50,000 (2- to 4-room resale flat)
- $40,000 (5 room resale flat)
(SC and SPR)
- $40,000 (2- to 4-room resale flat)
- $30,000 (5 room resale flat)
Family Grant Eligibility
Citizenship | Singapore Citizen and at least 1 more Singapore Citizen or Singapore Permanent Resident |
Age | At least 21 years old |
Family Nucleus |
#If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application. If you face difficulties in obtaining the agreement or have a question for us, please send us an email at hdbresale@mailbox.hdb.gov.sg. |
Household Status | You and the family member(s) buying the resale flat must be first-timer applicants, meaning that all of you must meet the following criteria:
|
Income Ceiling | Your average gross monthly household income must not exceed:
|
Flat Type | 2-room or bigger |
Remaining Lease of Flat | 20 years or more
|
Ownership/ Interest in Property | Flat buyers and occupiers listed in the flat application must not:
|
^For resale applications received on or after 11 September 2019. For resale applications received before 11 September 2019, income ceilings are $12,000 and $18,000 (if purchasing with extended family)
Extended family income ceiling
The income ceiling for extended family is set at a higher level of #$21,000 to encourage and help working adults and their parents to live as an extended family in a resale flat. This includes married couples, their siblings, and their parents. It is calculated using the combined income of 2 set groups in the extended family.
#For resale applications received on or after 11 September 2019. For resale applications received before 11 September 2019, income ceiling is $18,000
How to calculate the extended family income ceiling
The set groups and income ceiling calculation are as follows:
Household Type | Income of Group A (Cannot exceed #$14,000) | Income of Group B (Cannot exceed #$14,000) | Extended Family Income Ceiling |
---|---|---|---|
Parent(s)* with single children | Parent(s) and 1 of the single children | Remaining single child(ren) | Group A + Group B must not exceed #$21,000 |
Parent(s)* with married children^ | Parent(s) and remaining working children (if any) | The married children and their children (if any) |
* Includes widow/ widower or divorcee
^ Includes applicants applying under the Fiancé/Fiancée Scheme
#For resale applications received on or after 11 September 2019. For resale applications received before 11 September 2019, income ceilings are $12,000 and $18,000 (if purchasing with extended family)
Example
A married couple and their 3 working children wish to buy a resale flat. Individually, their average gross monthly income is:
- Husband: $7,000
- Wife: $4,000
- Child A: $4,000
- Child B: $3,000
- Child C: $2,000
Their average gross monthly income as an extended family thus works out as:
Household Type | Income of Group A
| Income of Group B
| Extended Family Income Ceiling
|
---|---|---|---|
Parent(s)* with single children | Husband: $7,000 Wife: $4,000 Child C: $2,000 Total = $13,000 | Child A: $4,000 Child B: $3,000 Total = $7,000 | Group A: $13,000 Group B: $7,000 Total = $20,000 |
The extended family’s income is within the income ceiling |
^For resale applications received on or after 11 September 2019. For resale applications received before 11 September 2019, income ceilings are $12,000 and $18,000 (if purchasing with extended family)
==============================================================================
Enhanced CPF Housing Grant (EHG)
To benefit more first-timer home seekers, the Enhanced CPF Housing Grant (EHG) of up to $80,000 is introduced to replace the Additional CPF Housing Grant for resale applications received on or after 11 September 2019. There are no restrictions on choice of flat type and location.
EHG Amount
The EHG amount is graduated according to income brackets to offer lower-income families a higher grant amount.
Average Monthly Household Income* Over 12 Months | EHG Amount |
---|---|
Not more than $1,500 | $80,000 |
$1,501 to $2,000 | $75,000 |
$2,001 to $2,500 | $70,000 |
$2,501 to $3,000 | $65,000 |
$3,001 to $3,500 | $60,000 |
$3,501 to $4,000 | $55,000 |
$4,001 to $4,500 | $50,000 |
$4,501 to $5,000 | $45,000 |
$5,001 to $5,500 | $40,000 |
$5,501 to $6,000 | $35,000 |
$6,001 to $6,500 | $30,000 |
$6,501 to $7,000 | $25,000 |
$7,001 to $7,500 | $20,000 |
$7,501 to $8,000 | $15,000 |
$8,001 to $8,500 | $10,000 |
$8,501 to $9,000 | $5,000 |
* All working persons’ (i.e. applicants and occupiers) income are included.
EHG Eligibility
Employment Status | The applicant (you or your spouse/ spouse-to-be) must: • Have worked continuously for 12 months before the flat application • Still be working during the flat application |
Income Ceiling | Your average gross monthly household income for the 12 months before your flat application must not exceed $9,000. |
Remaining Lease of Flat | 20 years or more Flat must have sufficient lease to cover the youngest buyer and spouse/ fiancé(e) to the age of 95 to qualify for the full EHG. Otherwise, the EHG will be pro-rated. You can get a flat lease’s details with our HDB Map Services |
Available to eligible second-timers who submit a resale application on or after 22 May 2019.
Grant Type | Step-Up CPF Housing Grant | |
---|---|---|
Flat Type | A 2-room^ or 3-room resale flat in non-mature estates ^Applicable only to second-timer families living in public rental flats. | |
Conditions | Current Flat Type | A 2-room subsidised flat in a non-mature estate that is:
|
Income Ceiling | $7,000^ ^For resale applications received on or after 11 September 2019. For resale applications received from 22 May 2019 to 10 September 2019, the income ceiling was $6,000. | |
Employment | At least one of you and your spouse/ fiancé(e) have been continuously employed for the 12 months prior to the resale flat application and are employed at the time you submitted the resale flat application. | |
Remaining Lease of Flat | Flat purchased must have a remaining lease that covers the youngest buyer and spouse until the age of 95 and above (calculated based on date of resale application) | |
Grant Amount | $15,000 |
Documents to Submit
Documents to Submit | |
---|---|
Employed person |
Or
And
Notes:
|
Self-employed person |
Or
And
Or
|
Part-time worker/ Commission-based person |
Or
And (for commission-based person)
|
Odd job worker |
And
|
Full-time student receiving stipends |
Notes:
|
Income/ allowance that will be considered for the income ceiling
- Allowances (fixed/ variable) received on a regular basis, such as allowances for food, transport, laundry, uniform
- Sustenance Allowance
- Stipend
Income/ allowance that is not considered for the income ceiling
- Alimony allowance
- Bonuses
- Income from overtime work
- Interest from deposit accounts
- National Service Allowance
- Pension
- Rental income
- Scholarship overseas allowance
- Overseas cost of living allowance
- Director’s fee
Available to eligible second-timers who submit a resale application on or after 22 May 2019.
Grant Type | Step-Up CPF Housing Grant | |
---|---|---|
Flat Type | A 2-room^ or 3-room resale flat in non-mature estates ^Applicable only to second-timer families living in public rental flats. | |
Conditions | Current Flat Type | A 2-room subsidised flat in a non-mature estate that is:
|
Income Ceiling | $7,000^ ^For resale applications received on or after 11 September 2019. For resale applications received from 22 May 2019 to 10 September 2019, the income ceiling was $6,000. | |
Employment | At least one of you and your spouse/ fiancé(e) have been continuously employed for the 12 months prior to the resale flat application and are employed at the time you submitted the resale flat application. | |
Remaining Lease of Flat | Flat purchased must have a remaining lease that covers the youngest buyer and spouse until the age of 95 and above (calculated based on date of resale application) | |
Grant Amount | $15,000 |
Documents to Submit for grant application
Documents to Submit | |
---|---|
Employed person |
Or
And
Notes:
|
Self-employed person |
Or
And
Or
|
Part-time worker/ Commission-based person |
Or
And (for commission-based person)
|
Odd job worker |
And
|
Full-time student receiving stipends |
Notes:
|
Income/ allowance that will be considered for the income ceiling
- Allowances (fixed/ variable) received on a regular basis, such as allowances for food, transport, laundry, uniform
- Sustenance Allowance
- Stipend
Income/ allowance that is not considered for the income ceiling
- Alimony allowance
- Bonuses
- Income from overtime work
- Interest from deposit accounts
- National Service Allowance
- Pension
- Rental income
- Scholarship overseas allowance
- Overseas cost of living allowance
- Director’s fee
The Proximity Housing Grant (PHG) has been introduced to help more families to buy a resale flat to live with or close to each other for mutual care and support.
For those who are staying with parents
- Family who stay with parents will receive $30,000
- Single who stay with parents will receive $15,000
For those who are staying near parents
- Family who stay near parents will receive $20,000
- Single who stay with parents will receive $10,000
Eligibility
Citizenship |
Your family nucleus must comprise at least another Singapore Permanent Resident or a Singapore Citizen. | ||||||
Age |
You must be aged 21 years or above.
You must be aged:
or
| ||||||
Family Nucleus |
You are applying with your:
#If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application. If you face difficulties in obtaining the agreement or have a question for us, please send us an email at hdbresale@mailbox.hdb.gov.sg.
You are applying under any of the following schemes:
| ||||||
Household Status | You have not received the PHG previously. | ||||||
Proximity Condition | The parents/ child (if child is single, he/ she must be aged 35 and above) helping you to qualify for the PHG must be:
Do note that:
| ||||||
Flat Type |
| ||||||
Remaining Lease of Flat | 20^ years or more. You can get a flat’s lease details with our HDB Map Services. ^For resale applications received on or after 11 Sep 2019. For resale applications received before 11 Sep 2019, flat purchased must have remaining lease of at least 30 years. |
Distance enquiry check
Non-Citizen Spouse Scheme (NCS)
If you are a citizen with a spouse who is neither a Singapore Citizen nor a Singapore Permanent Resident (SPR), you may be eligible for the:
- Singles Grant; or
- Enhanced CPF Housing Grant (Singles)/ Additional CPF Housing Grant (Singles)^
^The EHG is introduced and will replace the AHG for resale applications received from 11 September 2019.
Single Grant amount
- $25,000 (2- to 4-room resale flat)
- $20,000 (5 room resale flat)
Single grant Eligibility
Citizenship | Singapore Citizen |
Age | At least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes:
|
Household Status | You must be a first-timer applicant, meaning that you must meet the following criteria:
|
Income Ceiling | Your average gross monthly household income must not exceed:
|
Flat Type |
|
Remaining Lease of Flat |
|
Ownership/ Interest in Property | You and the other flat applicants must not:
|
Time bar | Cancellation of Application After Booking a Flat If you book a flat from the March 2012 sales exercise onwards and subsequently cancel the flat booking, you will have to meet a one-year period from the date of cancellation before you can apply or be included as an essential occupier for a resale flat with CPF Housing Grant. |
^ For resale applications received on or after 11 September 2019. For resale applications received before 11 September 2019, income ceilings are $6,000 (if buying a resale flat under the Single Singapore Citizen Scheme) or $12,000 (if buying a resale flat under other schemes)
==============================================================================
Enhanced Housing Grant (Singles)
Amount | $2,500 to $40,000 |
Assistance For |
|
Grant amount and Eligibility
The EHG amount is graduated according to income brackets to offer lower-income earners a higher grant amount.
Average Monthly Income Over 12 Months | EHG Amount |
---|---|
Not more than $750 | $40,000 |
$751 to $1,000 | $37,500 |
$1,001 to $1,250 | $35,000 |
$1,251 to $1,500 | $32,500 |
$1,501 to $1,750 | $30,000 |
$1,751 to $2,000 | $27,500 |
$2,001 to $2,250 | $25,000 |
$2,251 to $2,500 | $22,500 |
$2,501 to $2,750 | $20,000 |
$2,751 to $3,000 | $17,500 |
$3,001 to $3,250 | $15,000 |
$3,251 to $3,500 | $12,500 |
$3,501 to $3,750 | $10,000 |
$3,751 to $4,000 | $7,500 |
$4,001 to $4,250 | $5,000 |
$4,251 to $4,500 | $2,500 |
Eligibility
- You must first meet all of the eligibility conditions for the Singles Grant, and satisfy these conditions:
Employment Status | You must:
|
Income Ceiling | The average gross monthly income of the Singapore Citizen for the 12 months before the flat application must not exceed $4,500. |
Remaining Lease of Flat | 20 years or more Flat must have sufficient lease to cover the youngest buyer to the age of 95 to qualify for the full EHG. Otherwise, the EHG will be pro-rated. You can get a flat lease’s details with our HDB Map Services |
Joint Singles Scheme or Orphans Scheme
Eligible first-timers aged 35 and above may receive:
- Singles Grant
- Enhanced CPF Housing Grant (EHG)/ Additional CPF Housing Grant (AHG)^
^The EHG is introduced and will replace the AHG for resale applications received from 11 Sep 2019.
Single Grant amount
- $25,000 (2- to 4-room resale flat)
- $20,000 (5 room resale flat)
Single grant Eligibility
Citizenship | Singapore Citizen |
Age | At least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes:
|
Household Status | You must be a first-timer applicant, meaning that you must meet the following criteria:
|
Income Ceiling | Your average gross monthly household income must not exceed:
|
Flat Type |
|
Remaining Lease of Flat |
|
Ownership/ Interest in Property | You and the other flat applicants must not:
|
Time bar | Cancellation of Application After Booking a Flat If you book a flat from the March 2012 sales exercise onwards and subsequently cancel the flat booking, you will have to meet a one-year period from the date of cancellation before you can apply or be included as an essential occupier for a resale flat with CPF Housing Grant. |
^ For resale applications received on or after 11 September 2019. For resale applications received before 11 September 2019, income ceilings are $6,000 (if buying a resale flat under the Single Singapore Citizen Scheme) or $12,000 (if buying a resale flat under other schemes)
==============================================================================
Enhanced Housing Grant (Singles)
Amount | $2,500 to $40,000 |
Assistance For |
|
Grant amount and Eligibility
The EHG amount is graduated according to income brackets to offer lower-income earners a higher grant amount.
Average Monthly Income Over 12 Months | EHG Amount |
---|---|
Not more than $750 | $40,000 |
$751 to $1,000 | $37,500 |
$1,001 to $1,250 | $35,000 |
$1,251 to $1,500 | $32,500 |
$1,501 to $1,750 | $30,000 |
$1,751 to $2,000 | $27,500 |
$2,001 to $2,250 | $25,000 |
$2,251 to $2,500 | $22,500 |
$2,501 to $2,750 | $20,000 |
$2,751 to $3,000 | $17,500 |
$3,001 to $3,250 | $15,000 |
$3,251 to $3,500 | $12,500 |
$3,501 to $3,750 | $10,000 |
$3,751 to $4,000 | $7,500 |
$4,001 to $4,250 | $5,000 |
$4,251 to $4,500 | $2,500 |
Eligibility
- You must first meet all of the eligibility conditions for the Singles Grant, and satisfy these conditions:
Employment Status | You must:
|
Income Ceiling | The average gross monthly income of the Singapore Citizen for the 12 months before the flat application must not exceed $4,500. |
Remaining Lease of Flat | 20 years or more Flat must have sufficient lease to cover the youngest buyer to the age of 95 to qualify for the full EHG. Otherwise, the EHG will be pro-rated. You can get a flat lease’s details with our HDB Map Services |
As you are a full-time student, you will not be considered as employed for all other work done during full-time studies.
For new flat buyers, there are already various schemes in place to help extended families live together or close by. These include the Married Child Priority Scheme, Multi-Generation Priority Scheme, 3Gen flats, Senior Priority Scheme and a higher-income ceiling for extended families who buy a new flat to live together. These schemes are available to all eligible new flat buyers, i.e. both first-timers and second-timers.
Subsidised public housing is provided as affordable homes to Singaporean families that cannot afford to own private housing. However, there are also limited resources in providing subsidised housing.
Therefore, this condition is fair to discourage families with the means to own a private property not to compete with those in greater need for subsidised public housing.
One-room flats in the open market is not subject to any Minimum Occupation Period (MOP).
Since there is no MOP for resale, all CPF housing grants are not applicable for the purchase of one-room flats. However, the flat owners have to meet the Minimum Occupation Period (MOP) of 5 years before they can rent out the whole flat.
The Enhanced CPF Housing Grant (EHG) is meant to help citizen families with a steady household income to buy their first subsidised HDB flat. The EHG can be used for the purchase of new flats, resale flats or DBSS flats.
If you are a citizen household buying an HDB flat for the first time and have not taken a housing subsidy previously, you may apply for the CPF Housing Grant for family and on top of that, the Enhanced CPF Housing Grant (between $5,000 and $80,000 depending on your income) to buy a resale flat.
The CPF Housing Top-Up Grant scheme is a pro-marriage initiative to encourage Singles Grant recipients to marry and set up a family. Singles Grant recipients may top-up their Singles Grant to the prevailing Family Grant amount when they marry.
Resale flat buyers may apply for the Family Grant, Half-Housing Grant, Singles Grant, Top-Up Grant, ^Enhanced CPF Housing Grant, Proximity Housing Grant and Step-Up CPF Housing Grant if they can meet the eligibility conditions of the respective grant(s).
You need to submit a photocopy of your marriage certificate within 3 months of taking possession of the resale flat, if your marriage is registered overseas.
Yes. You may apply for the PHG if you meet the PHG eligibility conditions even though you do not qualify for a CPF housing grant.
No. Each eligible household can only apply for one set of PHG. You have to also decide which set of parents would have to live in close proximity with you for the next 5 years after your flat purchase.