When buying an HDB resale flat, you may be eligible for a CPF Housing Grant if you and your spouse:
- Are buying a HDB flat for the first time, and
- Have not previously enjoyed a housing subsidy
The CPF Housing Grant is a housing subsidy (in the form of CPF monies) provided by the Government. The grant assists eligible first-timer citizen households to buy a resale flat from the open market.
Besides the Family Grant, you can also apply for
Additional CPF Housing Grant (AHG) of between$5,000 and $40,000 if you fulfil the eligibility conditions of the grant.
You may apply for the CPF Housing Grant for Family if you meet the eligibility conditions listed below.
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| Citizenship | You are a Singapore Citizen. Your family nucleus must comprise of at least another Singapore Permanent Resident or Singapore Citizen.
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| Age | You must be at least 21 years old.
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| Family Nucleus | You are applying with your:
- Spouse and children (if any), or
- Fiancé/fiancée (must be able to produce your marriage certificate, latest by the date of resale completion), or
- Children under your legal custody, care and control (if widowed or divorced)
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| Income Ceiling | Your gross monthly household income must not exceed $8,000*.
If applying with extended family, gross monthly household income must not exceed $12,000*.
*If your average monthly household income over the last 1 year is $5,000 and below, you can also apply for the Additional CPF Housing Grant (AHG) in addition to Family Grant.
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| Ownership/Interest in Property | You(applicant), co-applicants and all persons listed in the application for purchase of the flat must not
- Own any of the following (local or overseas properties) or have disposed of one within 30 months prior to the application:
- Private residential property (including HUDC flat, Executive Condominium)
- House
- Building
- Land
- Be buying a 1-room flat or a resale flat (of any flat type) that has been announced for redevelopment under the Selective Enbloc Redevelopment Scheme (SERS).
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| Undischarged Bankrupt | You/your co-applicants must not be undischarged bankrupts.
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CPF housing grant for family
| $30,000
| $20,000
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CPF housing grant for family (living near parents/married child):
| $40,000
| $30,000
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Half Housing Grant
- If you are a first-timer citizen and your spouse has previously enjoyed a housing subsidy
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- $15,000
- $20,000 (living near parents/married child)
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If you are from an SC/SPR household, you can enjoy the full housing subsidy by applying for the Citizen Top-Up when your SPR family member takes up Singapore Citizenship or when you have a SC child.
Read more on the Citizen Top-up