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HDB Buyer Timeline – Grants - PropertyWiki

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.

Nature of Employment

Documents to Submit

Employed person
  • 12 months’ payslips preceding the flat application

Or

  • Letter from employer certifying salaries for 12 months preceding the flat application. The letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

And

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements  showing contributions for the 12 months preceding the flat application

Notes:

  • If you are employed full-time but on no-pay leave (e.g. full-time studies) for less than 6 months out of the 12 months in review, we will consider you as employed and take your last drawn full-time pay to assess your eligibility for the housing grant(s).
  • If you are employed full-time but on no-pay leave for 6 months or more out of the 12 months in review, your income will not be considered in the assessment.
Self-employed person

Or

  • Statement of Annual Accounts certified by an audit firm

And

Or

  • Valid licence of trade
Part-time worker/ Commission-based person
  • 12 months’ payslips/ commission statements preceding the flat application

Or

  • Letter from employer  certifying salaries for the 12 months preceding the flat application. The letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

And (for commission-based person)

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements  showing contributions for the 12 months preceding the flat application
Odd job worker

And

  • Previous year’s NOA from IRAS
Full-time student receiving stipends
  • Letter from the education institute stating the period and nature of study (full or part-time)
  • Copy of signed contract between the applicant and the education institute stating the conditions of the stipend

Notes:

  • You will be considered as employed if, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving the stipend
  • You will not be considered as employed for all other work done during full-time studies.
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.

Nature of Employment

Documents to Submit

Employed person
  • 12 months’ payslips preceding the flat application

Or

  • Letter from employer certifying salaries for 12 months preceding the flat application. The letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

And

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements  showing contributions for the 12 months preceding the flat application

Notes:

  • If you are employed full-time but on no-pay leave (e.g. full-time studies) for less than 6 months out of the 12 months in review, we will consider you as employed and take your last drawn full-time pay to assess your eligibility for the housing grant(s).
  • If you are employed full-time but on no-pay leave for 6 months or more out of the 12 months in review, your income will not be considered in the assessment.
Self-employed person

Or

  • Statement of Annual Accounts certified by an audit firm

And

Or

  • Valid licence of trade
Part-time worker/ Commission-based person
  • 12 months’ payslips/ commission statements preceding the flat application

Or

  • Letter from employer  certifying salaries for the 12 months preceding the flat application. The letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

And (for commission-based person)

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements  showing contributions for the 12 months preceding the flat application
Odd job worker

And

  • Previous year’s NOA from IRAS
Full-time student receiving stipends
  • Letter from the education institute stating the period and nature of study (full or part-time)
  • Copy of signed contract between the applicant and the education institute stating the conditions of the stipend

Notes:

  • You will be considered as employed if, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving the stipend
  • You will not be considered as employed for all other work done during full-time studies.
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
AgeAt least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes:
  • Single Singapore Citizen Scheme
  • Non-Citizen Family Scheme
Household StatusYou must be a first-timer applicant, meaning that you must meet the following criteria:
  • Not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat bought from a developer
  • Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
  • Not received any CPF Housing Grant for the purchase of an HDB resale flat
  • Not received any form of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation
Income Ceiling
 
Your average gross monthly household income must not exceed:
  • ^$7,000 if buying a resale flat under the Single Singapore Citizen Scheme
  • ^$14,000 if buying a resale flat under other schemes
Flat Type
  • 2 to 5-room under the Single Singapore Citizen Scheme
  • 2-room or bigger under other schemes
Remaining Lease of Flat
Ownership/ Interest in Property
 
You and the other flat applicants must not:
  • Own any of the following properties whether locally or overseas, or have disposed of any such properties in the 30 months before your resale flat application:
    • Private residential property (including privatised HUDC flats and ECs)
    • House
    • Building
    • Land
  • Be buying an HDB resale flat that has been announced for SERS
Time barCancellation 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)

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Enhanced Housing Grant (Singles)

Amount$2,500 to $40,000
Assistance For
  • Lower to upper – middle income applicants of the Singles Grant
  • Applicant must have worked continuously for the 12 months prior to the flat application, and still be working at the point of the flat application

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 StatusYou must:
  • Have been in continuous employment for 12 months before the flat application
  • Still be working during the flat application
Income CeilingThe 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

CitizenshipSingapore Citizen and at least 1 more Singapore Citizen or Singapore Permanent Resident
AgeAt least 21 years old
Family Nucleus
  • Spouse and children (if any)
  • Spouse-to-be (a photocopy of your marriage certificate must be submitted within 3 months from the resale completion date, if your marriage is registered overseas)
  • Children under your legal custody, care and control (if widowed/divorced#)

#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:

  • Not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat bought from a developer
  • Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
  • Not received any CPF Housing Grant for the purchase of an HDB resale flat
  • Not received any form of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation
Income Ceiling

Your average gross monthly household income must not exceed:

  • ^$14,000
  • ^$21,000 if purchasing with extended family
Flat Type2-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:

  • Own any of the following properties whether locally or overseas, or have disposed of any such properties in the 30 months before your resale flat application:
    • Private residential property (including privatised HUDC flats and ECs)
    • House
    • Building
    • Land
  • Be buying an HDB resale flat that has been announced for SERS

^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 TypeIncome of Group A (Cannot exceed #$14,000)Income of Group B (Cannot exceed #$14,000)Extended Family Income Ceiling
Parent(s)* with single childrenParent(s) and 1 of the single childrenRemaining 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

  • Parent(s) and 1 of the single child(ren)
  • Cannot exceed ^$14,000

Income of Group B

  • Remaining single child(ren)
  • Cannot exceed ^$14,000

Extended Family Income Ceiling

  • Group A + Group B must not exceed ^$21,000
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

You must first qualify for a Family Grant before applying for the EHG. In addition, you must satisfy these conditions:
 
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 TypeStep-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.

ConditionsCurrent Flat Type

A 2-room subsidised flat in a non-mature estate that is:

  • Bought from HDB after October 1995, or from the resale market with a CPF Housing Grant
  • Your first subsidised flat

    Or

    Public Rental flat

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 FlatFlat 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

Nature of Employment

Documents to Submit

Employed person
  • 12 months’ payslips preceding the flat application

Or

  • Letter from employer  certifying salaries for 12 months preceding the flat application. The letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

And

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements showing contributions for the 12 months preceding the flat application

Notes:

  • If you are employed full-time but on no-pay leave (e.g. full-time studies) for less than 6 months out of the 12 months in review, we will consider you as employed and take your last drawn full-time pay to assess your eligibility for the housing grant(s).
  • If you are employed full-time but on no-pay leave for 6 months or more out of the 12 months in review, your income will not be considered in the assessment.
Self-employed person

Or

  • Statement of Annual Accounts certified by an audit firm

And

Or

  • Valid licence of trade
Part-time worker/ Commission-based person
  • 12 months’ payslips/ commission statements preceding the flat application

Or

  • Letter from employer certifying salaries for the 12 months preceding the flat application. The letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

And (for commission-based person)

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements showing contributions for the 12 months preceding the flat application
Odd job worker

And

  • Previous year’s NOA from IRAS
Full-time student receiving stipends
  • Letter from the education institute stating the period and nature of study (full or part-time)
  • Copy of signed contract between the applicant and the education institute stating the conditions of the stipend

Notes:

  • You will be considered as employed if, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving the stipend
  • You will not be considered as employed for all other work done during full-time studies.
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 TypeStep-Up CPF Housing Grant
Flat TypeA 2-room^ or 3-room resale flat in non-mature estates

^Applicable only to second-timer families living in public rental flats.

ConditionsCurrent Flat TypeA 2-room subsidised flat in a non-mature estate that is:
  • Bought from HDB after October 1995, or from the resale market with a CPF Housing Grant
  • Your first subsidised flatOrPublic Rental flat
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 FlatFlat 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

Nature of Employment

Documents to Submit

Employed person
  • 12 months’ payslips preceding the flat application

Or

  • Letter from employer  certifying salaries for 12 months preceding the flat application. The letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

And

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements showing contributions for the 12 months preceding the flat application

Notes:

  • If you are employed full-time but on no-pay leave (e.g. full-time studies) for less than 6 months out of the 12 months in review, we will consider you as employed and take your last drawn full-time pay to assess your eligibility for the housing grant(s).
  • If you are employed full-time but on no-pay leave for 6 months or more out of the 12 months in review, your income will not be considered in the assessment.
Self-employed person

Or

  • Statement of Annual Accounts certified by an audit firm

And

Or

  • Valid licence of trade
Part-time worker/ Commission-based person
  • 12 months’ payslips/ commission statements preceding the flat application

Or

  • Letter from employer certifying salaries for the 12 months preceding the flat application. The letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

And (for commission-based person)

  • CPF Yearly Statement of Account for current year and the immediate past year
  • CPF statements showing contributions for the 12 months preceding the flat application
Odd job worker

And

  • Previous year’s NOA from IRAS
Full-time student receiving stipends
  • Letter from the education institute stating the period and nature of study (full or part-time)
  • Copy of signed contract between the applicant and the education institute stating the conditions of the stipend

Notes:

  • You will be considered as employed if, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving the stipend
  • You will not be considered as employed for all other work done during full-time studies.
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
  • You are a Singapore Citizen
  • Family

Your family nucleus must comprise at least another Singapore Permanent Resident or a Singapore Citizen.

Age
  • Family

You must be aged 21 years or above.

  • Singles

You must be aged:

  • 35 years or above, if you are single and applying for resale flat under any of the following schemes:
    • Single Singapore Citizen Scheme
    • Joint Singles Scheme
    • Public Scheme (if parents are included in the resale application as co-applicants or occupants)

or

  • 21 years or above, if you are married and applying for resale flat under the Non-Citizen Spouse Scheme
Family Nucleus
  • Family

You are applying with your:

  • spouse and children (if any), or
  • fiancé/ fiancée (a photocopy of your marriage certificate must be submitted within 3 months from the resale completion date, if your marriage is registered overseas), or
  • children under your legal custody, care and control (if widowed/divorced#)

#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.

  • Singles

You are applying under any of the following schemes:

  • Single Singapore Citizen Scheme
  • Joint Singles Scheme
  • Public Scheme
  • Non-Citizen Spouse Scheme
Household StatusYou have not received the PHG previously.
Proximity ConditionThe parents/ child (if child is single, he/ she must be aged 35 and above) helping you to qualify for the PHG must be:
  • living with you in the resale flat you intend to buy; or
  • living in an HDB flat or a private residential property, which is within 4 km of the resale flat you intend to buy

Do note that:

  • As for the parents/ child helping the grant applicant qualify for the PHG, at least one of them must be a Singapore Permanent Resident.
  • If your parents/ child do not own the private residential property, it must be owned by their immediate family members (defined as child or adopted child, parent(s) or parent(s)-in-law, or siblings).
Flat Type
ForFlat Type
Singles living near parents2 to 5-room flat
Singles living with parentsAny 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

You may use the Distance Enquiry for Proximity Housing Grant e-Service to check whether the HDB resale flat you intend to buy is within 4 km of your parents’/ child’s HDB flat or private residential property they live in.

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
AgeAt least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes:
  • Single Singapore Citizen Scheme
  • Non-Citizen Family Scheme
Household StatusYou must be a first-timer applicant, meaning that you must meet the following criteria:
  • Not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat bought from a developer
  • Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
  • Not received any CPF Housing Grant for the purchase of an HDB resale flat
  • Not received any form of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation
Income Ceiling
 
Your average gross monthly household income must not exceed:
  • ^$7,000 if buying a resale flat under the Single Singapore Citizen Scheme
  • ^$14,000 if buying a resale flat under other schemes
Flat Type
  • 2 to 5-room under the Single Singapore Citizen Scheme
  • 2-room or bigger under other schemes
Remaining Lease of Flat
Ownership/ Interest in Property
 
You and the other flat applicants must not:
  • Own any of the following properties whether locally or overseas, or have disposed of any such properties in the 30 months before your resale flat application:
    • Private residential property (including privatised HUDC flats and ECs)
    • House
    • Building
    • Land
  • Be buying an HDB resale flat that has been announced for SERS
Time barCancellation 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)

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Enhanced Housing Grant (Singles)

Amount$2,500 to $40,000
Assistance For
  • Lower to upper – middle income applicants of the Singles Grant
  • Applicant must have worked continuously for the 12 months prior to the flat application, and still be working at the point of the flat application

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 StatusYou must:
  • Have been in continuous employment for 12 months before the flat application
  • Still be working during the flat application
Income CeilingThe 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
AgeAt least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes:
  • Single Singapore Citizen Scheme
  • Non-Citizen Family Scheme
Household StatusYou must be a first-timer applicant, meaning that you must meet the following criteria:
  • Not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat bought from a developer
  • Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
  • Not received any CPF Housing Grant for the purchase of an HDB resale flat
  • Not received any form of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation
Income Ceiling
 
Your average gross monthly household income must not exceed:
  • ^$7,000 if buying a resale flat under the Single Singapore Citizen Scheme
  • ^$14,000 if buying a resale flat under other schemes
Flat Type
  • 2 to 5-room under the Single Singapore Citizen Scheme
  • 2-room or bigger under other schemes
Remaining Lease of Flat
Ownership/ Interest in Property
 
You and the other flat applicants must not:
  • Own any of the following properties whether locally or overseas, or have disposed of any such properties in the 30 months before your resale flat application:
    • Private residential property (including privatised HUDC flats and ECs)
    • House
    • Building
    • Land
  • Be buying an HDB resale flat that has been announced for SERS
Time barCancellation 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)

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Enhanced Housing Grant (Singles)

Amount$2,500 to $40,000
Assistance For
  • Lower to upper – middle income applicants of the Singles Grant
  • Applicant must have worked continuously for the 12 months prior to the flat application, and still be working at the point of the flat application

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 StatusYou must:
  • Have been in continuous employment for 12 months before the flat application
  • Still be working during the flat application
Income CeilingThe 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).

 
^Applicable to resale applications received on or after 11 Sep 2019.
 

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.

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.