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First-Timer Applicants

Eligible first-timer applicants can apply for the Family Grant or Additional CPF Housing Grant (AHG).  Those who are buying a resale flat to live near or together with their parents can also apply for the Proximity Housing Grant.

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Family Grant

Amount
Household Buying 2- to 4-room Resale Flat Buying 5-room or Bigger Resale Flat
SC/SC $50,000 $40,000
SC/SPR $40,000 $30,000
Assistance For

Married/ engaged couples or families who are first-timer applicants buying an HDB resale flat

Recipient May Also Be Eligible For

Additional CPF Housing Grant

Recipient May Later Be Eligible For

Citizen Top-Up (for SC/ SPR household)

Eligibility

Citizenship

Singapore Citizen and at least 1 more Singapore Citizen or Singapore Permanent Resident

Age

At least 21 years old

Family Nucleus
  • Spouse and children (if any)
  • Spouse-to-be (marriage certificate must be produced before the date of completion of the flat purchase)
  • Children under your legal custody (if widowed or divorced)
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:
  • $12,000
  • $18,000 if applying with extended family
Flat Type 2-room or bigger
Remaining Lease of Flat
At least 30 years
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 HUDC flats and ECs)
    • House
    • Building
    • Land
  • Be buying an HDB resale flat that has been announced for SERS

Extended family income ceiling

The income ceiling is set at a higher level of $18,000 to encourage working adults and their parents to live as an extended family in a flat.

How to calculate the $18,000 income ceiling

Example 1

A married couple, their siblings, and their parents. The income ceiling is calculated using the combined income of 2 set groups in the extended family.

Household Type Income of Group A (Cannot exceed $12,000) Income of Group B (Cannot exceed $12,000) 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 $18,000
Parent(s)* with married children^ Parent(s) and remaining working children (if any) The married children and their children (if any)

Example 2

A married couple and their 3 working children wish to buy a flat. Individually, their average gross monthly income is:

  • Husband: $4,000
  • Wife: $4,000
  • Child A: $4,000
  • Child B: $2,000
  • Child C: $4,000

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 $12,000
Income of Group B
  • Remaining single child(ren)
  • Cannot exceed $12,000
Extended Family Income Ceiling
  • Group A + Group B must not exceed $18,000
Parent(s)* with single children
Husband: $4,000
Wife: $4,000
Child B: $2,000
 
Total = $10,000
Child A: $4,000
Child C: $4,000
 
Total = $8,000

Group A: $10,000 Group B: $8,000

Total = $18,000

      The extended family is within the income ceiling

* Includes widow/ widower or divorcee
^ Includes applicants applying under the Fiancé/Fiancée Scheme

Income document guidelines

For the above grant application, you and any other applicants and essential occupiers will need to prepare:

  • Latest 3 months’ payslips if employed full-time (without commission or allowances)
  • 12 months’ of income documents for other types of employment
  • Proof of unemployment if not working

Aside from these documents, we may also request further documentation if needed.

Nature of Employment

Documents to Submit

Notes

Employed person

  • Latest 3 months’ payslips (month of application and preceding 2 months)

or

  • Letter from employer certifying salaries for the month of application and the preceding 2 months; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Note: If your income includes allowance, we will require the latest 12 months’ (month of application and preceding 11 months) payslips.

  • Assessment is based on the average gross monthly income, which:
    • Excludes bonuses and income earned from overtime work
    • Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted

Self-employed person

  • Latest NOA from IRAS or Statement of Annual Accounts certified by an audit firm

and

Assessment is based on the average gross monthly income for the past 12 months

Part-time worker

  • Latest 12 months’ (month of application and preceding 11 months) payslips

or

  • Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Commission-based person

  • Latest 12 months’ (month of application and preceding 11 months)commission statements/ payslips

or

  • Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Odd job worker

and

  • Previous year’s NOA from IRAS

Assessment is based on the average gross monthly income for the past 12 months

Unemployed person (between 18 to 62 years old)

  • Statutory Declaration to declare the employment status

or 

  • Valid Student Pass if currently a full-time student
  • If unemployed for less than 3 months, the following documents are required:
    • Income proof for the preceding month(s) from the previous employer stating their gross monthly income and last day of service
    • Latest 15 months’ CPF contribution history
  • The Statutory Declaration can be made at the HDB Hub Loans Counter or any HDB Branch. Declarants are required to bring along their Identity Cards
  • If not in Singapore, the Statutory Declaration can be made in the presence of a Commissioner for Oaths or Notary Public for that country

Income/ allowance that will be considered for the income ceiling

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

Income/ allowance not considered for the income ceiling

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

Additional CPF Housing Grant (AHG)

Amount

$5,000 to $40,000

Assistance For

  • Lower to middle-income applicants of the Family Grant
  • At least 1 of the applicants 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 families a higher grant amount.

Average Monthly Household Income
(12 months)
AHG Amount
$1,500 or less
$40,000
$1,501 to $2,000
$35,000
$2,001 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

You must first qualify for a Family Grant before applying for the AHG. In addition, you must satisfy these conditions:
 
Employment Status
The applicant (you or your spouse/ spouse-to-be) must:
  • Have been in continuous employment for 12 months before the flat application
  • Still be employed during the flat application
Income Ceiling
Your average gross monthly income for the 12 months before your flat application must not exceed $5,000.

 

Income document guidelines

As eligibility for the AHG 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 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

 

Note:
  • If you are on full-time employment but on no-pay leave (e.g. for full-time studies) for the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your income for the AHG
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 your period and nature of study (full or part-time)
  • Copy of signed contract between you and the education institute stating the conditions of the stipend
Note:
  • 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 you the stipend
  • You are not considered as employed if you are a full-time student taking up part-time work

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

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