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Joint Singles Scheme or Orphans Scheme

Eligible first-timers aged 35 and above may receive:

  • Singles Grant
  • Additional CPF Housing Grant (AHG) (Singles)

Singles Grant

Find out the grant amount and eligibility criteria. We have also provided some examples to help you get a better idea of the grant amounts you can possibly enjoy.

Overview

Assistance For

Single applicants aged 35 or above who buy an HDB resale flat under any of these schemes:

  • Joint Singles Scheme
  • Orphans Scheme

Recipient May Also Be Eligible For

Additional CPF Housing Grant for Singles

Recipient May Later Be Eligible For

  • Top-Up Grant

Grant amount

1 single

Buying 2- to 4-room Resale Flat Buying 5-room or Bigger Resale Flat
$25,000 $20,000

 

Buying with other singles under the Joint Singles Scheme or Orphans Scheme

Maximum of 2 Singles Grants

Buying 2- to 4-room Resale Flat Buying 5-room or Bigger Resale Flat
$25,000 x 2 $20,000 x 2

 

Eligibility

Citizenship

Singapore Citizen

Age

At least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes:

  • Joint Singles Scheme
  • Orphans Scheme
Household Status

For resale applications received on or after 1 Oct 2017, at least one of the persons buying the resale flat must be a first-timer applicant to receive the housing grant.

The buyer will be considered a first-timer applicant if the buyer have not received any housing subsidy from HDB. This means the buyer 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 subsify, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation

Income Ceiling

The buyer’s average gross monthly income must not exceed $12,000

Flat Type 2-room or bigger

Remaining Lease of Flat

  • At least 30 years
  • The buyer can get a flat’s lease details with our HDB Map Service

Ownership/ Interest in Property

The buyer 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 their resale flat application:
    • Private residential property (including HUDC flats and ECs)
    • House
    • Building
    • Land
  • Be buying an HDB resale flat that has been announced for SERS

Examples

Example 1

Ali is a single Singapore Citizen aged 40. His monthly salary is $2,800. He is buying a 3-room HDB resale flat under the Single Singapore Citizen Scheme.

Grant Amount = $25,000

Example 2

Wing Yong is 37 years old with a monthly salary of $2,400. Heng Chong is 35 years old with a monthly salary of $3,000. Soon Meng is 36 years old with a monthly salary of $2,500. They are all Singapore Citizens and want to jointly buy an HDB 4-room resale flat under the Joint Singles Scheme.

Grant Amount = $50,000 (maximum amount of $25,000 × 2)

Example 3

Kent is a 28-year-old Singapore Citizen with a monthly salary of $5,000. He is married to Sally, an Australian citizen holding a social visit pass valid for 1 year. She is a housewife and not drawing an income. They are buying an HDB 4-room resale flat under the Non-Citizen Spouse Scheme.

Grant Amount = $25,000

AHG (Singles)

Find out the grant amount, eligibility criteria, and the income document guidelines.

Overview

Amount

(Each Single)

$2,500 - $20,000

Assistance For

  • Lower to middle-income applicants of the Singles Grant
  • Applicant must have worked continuously for the 12 months prior to the flat application, and still be employed at the point of the flat application

Grant amount

The AHG amount is graduated according to income brackets to offer lower-income earners a higher grant amount. The table below shows the total grant amount for 2 or more eligible singles, who are buying a resale flat under the Joint Singles Scheme or Orphans Scheme.

Average monthly household income

(12 months)

AHG amount

$1,500 or less

$40,000

$1,501 to $1,750

$35,000

$1,751 to $2,000

$35,000

$2,001 to $2,250

$30,000

$2,251 to $2,500

$30,000

$2,501 to $3,000

$25,000

$3,001 to $3,500

$20,000

$3,501 to $4,000

$15,000

$4,001 to $4,500

$10,000

$4,501 to $5,000

$5,000

Eligibility

  • The buyer must first meet all of the eligibility conditions for the Singles Grant
  • Even though the buyer is purchasing an HDB resale flat, this is an additional grant treated as a housing subsidy. Hence, the buyer must first qualify for the Singles Grant and satisfy these conditions:

Employment Status

The buyer and their co-applicant(s)

  • Have been in continuous employment for 12 months before the flat application
  • Still be employed during the flat application

Income Ceiling

The average household monthly income for the 12 months before the flat application must not exceed $5,000.

Income document guidelines

Eligibility for the AHG (Singles) is based on these income guidelines. Aside from the mentioned documents, we may also request further documentation if needed.

Nature of Employment

Documents to Submit

Employed person

  • 12 months’ payslips prior to flat application date

Or

  • Letter from employer certifying salaries for the 12 months prior to flat application date. 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 prior to flat application date

Notes:

If the buyer is on full-time employment but on no-pay leave (e.g. for full-time studies) for the 12 months in review, we will consider them as employed and take their last drawn full-time pay to access their income for the AHG (Singles)

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 prior to flat application date

Or

  • Letter from employer certifying salaries for the 12 months prior to flat application date. 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 prior to flat application date

Odd job worker

And

  • Previous year’s NOA from IRAS

Full-time student receiving stipends

  • Letter from the education institute stating the buyer’s period and nature of study (full or part-time)
  • Copy of signed contract between the buyer and the education institute stating the conditions of the stipend

Notes:

  • The buyer will be considered as employed if, during full-time studies, they receive stipends which are work-related, e.g. conducting teaching/ research work for the educational institute giving them the stipend
  • They are not considered as employed if they are a full-time student taking up part-time work

Income/ allowance that will be considered for the AHG (Singles) income ceiling

  • Allowances (fixed/ variable) received on a regular basis, e.g. allowances for food, transport, laundry, uniform, etc.
  • Stipend

Income/ allowance not considered for the AHG (Singles) income ceiling

  • Alimony allowance
  • Bonuses
  • Income from overtime work income
  • Interest from deposit accounts
  • National Service Allowance
  • Pension
  • Rental income
  • Scholarship overseas allowance