Close mobile menu Close
Residential masthead

Residential

Single Singapore Citizen Applicants

As a first-timer single Singapore Citizen (SC) who is 35 years old or above, you might be eligible for the following CPF Housing Grant(s):
  • Singles Grant
  • Additional CPF Housing Grant (AHG) (Singles)

HDB Image

Singles Grant

Assistance For

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

  • Single Singapore Citizen Scheme
  • Non-Citizen Family Scheme

Recipient May Also Be Eligible For

Additional CPF Housing Grant for Singles

Recipient May Later Be Eligible For

Top-Up Grant

 

Grant amount

  • $25,000 (2- to 4-room resale flat)
  • $20,000 (5 room resale flat)


 

Eligibility

Citizenship

Singapore Citizen

Age

At 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 Status

You 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:
  • $6,000 if buying a resale flat under the Single Singapore Citizen Scheme
  • $12,000 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

  • At least 30 years
  • You can get a flat’s lease details with our HDB Map Services

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
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.

Divorcees

Within three years from the date of the divorce, only one party in the divorce can own one of the following housing units:

  • a flat bought directly from the HDB
  • a DBSS flat / EC bought directly from a private developer
  • a resale flat bought from open market under the CPF Housing Grant Scheme

If you have an existing matrimonial home, which is one of the above, and that home is retained by your ex-spouse, you may apply to buy or be listed as an essential occupier in any of the above housing unit only three years after your date of divorce.

However, this three-year wait out period will not apply if you are buying any of the above homes with your parents or a new spouse, or if you are buying a resale flat from the open market without the CPF Housing Grant.

If there is no matrimonial home or the matrimonial home was bought from the open market without any CPF Housing Grant, you may apply for any of the above housing units after you get your ex-spouse's consent not to own or be listed as an essential occupier in any of the above housing units within the three-year period from the date of divorce.

The requirement for ex-spouse's consent is waived if you are buying any of the above housing units with your parents or a new spouse or if you are buying a resale flat from the open market without the CPF Housing Grant.

The requirement to seek ex-spouse's consent during the three-year period from the date of divorce is also waived if you meet the following conditions:

  • All your children are below 18 years old at the date of divorce; and
  • You have the legal custody of all your children and are also the only parent with the care and control of all your children.

Example

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

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’ payslips (month of application and preceding 11 months).

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

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

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 (Singles)

Amount

$2,500 to $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.

Singles can buy resale flat under the following schemes:

  • Single Singapore Citizen Scheme
  • Non-Citizen Family Scheme

Average monthly household income of Singapore Citizen

(12 months)

AHG amount
$750 or less $20,000
$751 to $1,000 $17,500
$1,001 to $1,250 $15,000
$1,251 to $1,500 $12,500
$1,501 to $1,750 $10,000
$1,751 to $2,000 $7,500
$2,001 to $2,250 $5,000
$2,251 to $2,500 $2,500

Eligibility

  • You must first meet all of the eligibility conditions for the Singles Grant.
  • Even though you are buying an HDB resale flat, as this is an additional grant treated as a housing subsidy, you must first qualify for one of the above grants and satisfy these conditions:
Employment Status

You must:

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

 

Income Ceiling

 

The average monthly income of the Singapore Citizen for the 12 months before the flat application must not exceed $2,500.

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

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 (Singles)
Self-employed person
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

  • Latest NOA from IRAS
  • 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 if you 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
  • Interest from deposit accounts
  • National Service Allowance
  • Pension
  • Rental income
  • Scholarship overseas allowance