<h2>New flat</h2>
<p><span class="RTE_BodyTextBold">Example 1</span></p>
<p>Mr and Mrs A applied for an HFE letter on 20 August 2024. With a valid HFE letter, they intend to apply for a 3-room flat in  Sengkang during the October 2024 Build-To-Order (BTO) exercise.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th colspan="2">Details of Mr and Mrs A</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 25%;"><strong>Citizenship</strong></td>
            <td style="width: 75%;">Mr A is an SC and Mrs A is an SPR</td>
        </tr>
        <tr>
            <td><strong>Household status</strong></td>
            <td>First-timers</td>
        </tr>
        <tr>
            <td>
            <p><strong>Employment</strong></p>
            
            
            </td>
            <td>
            <p>Mr A has not been working.</p>
            <p>Mrs A has been working since July 2023, and her average gross monthly income for the 12 months worked between July 2023 and June 2024 was $4,200.</p>
            </td>
        </tr>
        <tr>
            <td><strong>Average household monthly income</strong></td>
            <td>$4,200</td>
        </tr>
    </tbody>
    <thead>
        <tr>
            <th colspan="2">Details of housing grant</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td><strong>EHG amount</strong></td>
            <td>$70,000</td>
        </tr>
        <tr>
            <td><strong>Disbursement to CPF Ordinary Account</strong></td>
            <td>Mr and Mrs A will each receive an EHG of $35,000.</td>
        </tr>
    </tbody>
</table>
<p><span class="RTE_BodyTextBold">Example 2</span></p>
<p>Mr B, Mr C, and Mr D are orphaned siblings. They applied for an HFE letter on 20 August 2024. With a valid HFE letter, they intend to apply for a 3-room flat in Sengkang during the October 2024 BTO exercise.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th colspan="2">Details of <span>Mr B, Mr C, and Mr D</span></th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 281.1px; text-align: left;"><strong>Citizenship</strong></td>
            <td style="width: 848.9px; text-align: left;">Mr B, Mr C, and Mr D are SCs</td>
        </tr>
        <tr>
            <td><strong>Household status</strong></td>
            <td>First-timers</td>
        </tr>
        <tr>
            <td>
            <p><strong>Employment</strong></p>
            </td>
            <td>
            <p>Mr B, Mr C, and Mr D have been working since July 2023, and their combined average gross monthly income for the 12 months worked between July 2023 and June 2024 was $3,000.</p>
            </td>
        </tr>
        <tr>
            <td><strong>Average household monthly income</strong></td>
            <td>$3,000</td>
        </tr>
    </tbody>
    <thead>
        <tr>
            <th colspan="2">Details of housing grant</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td><strong>EHG amount</strong></td>
            <td>$95,000</td>
        </tr>
        <tr>
            <td><strong>Disbursement to CPF Ordinary Account</strong></td>
            <td>
            <p>Mr B, Mr C and Mr D are to choose which 2 of them are to receive the total grant of $95,000.</p>
            <p>The 2 recipients will each receive an EHG of $47,500.</p>
            </td>
        </tr>
    </tbody>
</table>
<h2>Resale flat</h2>
<p><span class="RTE_BodyTextBold">Example 1</span></p>
<p>Mr and Mrs E applied for an HFE letter on 20 August 2024. With a valid HFE letter, they intend to exercise their Option to Purchase and submit a resale application for a 4-room resale flat in Tampines in  October 2024.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th colspan="2">Details of Mr and Mrs E</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 25%;"><strong>Citizenship</strong></td>
            <td style="width: 75%;">Mr E is an SC and Mrs E is an SPR</td>
        </tr>
        <tr>
            <td><strong>Household status</strong></td>
            <td>First-timers</td>
        </tr>
        <tr>
            <td>
            <p><strong>Employment</strong></p>
            </td>
            <td>
            <p>Mr E has been working since July 2023, and his average gross monthly income for the 12 months worked between July 2023 and June 2024 was $2,300.</p>
            <p>Mrs E worked only in December 2023 to February 2024, and her average gross monthly income for the 3 months worked was $2,100.</p>
            </td>
        </tr>
        <tr>
            <td><strong>Average household monthly income</strong></td>
            <td>$4,400 </td>
        </tr>
    </tbody>
    <thead>
        <tr>
            <th colspan="2">Details of housing grants</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td><strong> Family Grant amount</strong></td>
            <td>$70,000</td>
        </tr>
        <tr>
            <td><strong>EHG amount</strong></td>
            <td>$70,000</td>
        </tr>
        <tr>
            <td><strong>Disbursement to CPF Ordinary Account</strong></td>
            <td>Mr and Mrs E will each receive a Family Grant of $35,000 and an EHG of $35,000.</td>
        </tr>
    </tbody>
</table>
<p><span class="RTE_BodyTextBold">Example 2</span> </p>
<p>Mr and Mrs F applied for an HFE letter on 20 August 2024. With a valid HFE letter, they intend to exercise their Option to Purchase and submit a resale application for a 5-room resale flat in Hougang in  October 2024.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th colspan="2">Details of Mr and Mrs F</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 25%;"><strong>Citizenship</strong></td>
            <td style="width: 75%;">Mr F is an SC and Mrs F is an SPR</td>
        </tr>
        <tr>
            <td><strong>Household status</strong></td>
            <td>First-timers</td>
        </tr>
        <tr>
            <td>
            <p><strong>Employment</strong></p>
            
            
            </td>
            <td>
            <p>Mr F was not working between July 2023 and May 2024. He has been working since June 2024, drawing an average gross monthly income of $2,000.</p>
            <p>Mrs F worked in November 2023 to January 2024 with an average gross monthly income of $1,800. She has ceased working.</p>
            <p>Both applicants did not work continuously during the 12-month period ending 2 months before their HFE letter application. </p>
            </td>
        </tr>
        <tr>
            <td><strong>Average household monthly income</strong></td>
            <td>Not considered for EHG assessment as none of the applicants met the 12-month continuous employment condition.</td>
        </tr>
    </tbody>
    <thead>
        <tr>
            <th colspan="2">Details of housing grants</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td><strong> Family Grant amount</strong></td>
            <td>$40,000</td>
        </tr>
        <tr>
            <td><strong>EHG amount</strong></td>
            <td>Not eligible</td>
        </tr>
        <tr>
            <td><strong>Disbursement to CPF Ordinary Account</strong></td>
            <td>Mr and Mrs F will each receive a Family Grant of $20,000.</td>
        </tr>
    </tbody>
</table>

First-timer families

<h2>New flat</h2>
<p>Mr and Mrs G applied for an HFE letter on 20 August 2024. With a valid HFE letter, they intend to apply for a 4-room flat in Sengkang during the October 2024 BTO exercise.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th colspan="2">Details of Mr and Mrs G </th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 25%;"><strong>Citizenship</strong></td>
            <td style="width: 75%;">Mr and Mrs G are both SCs</td>
        </tr>
        <tr>
            <td><strong>Household status</strong></td>
            <td>Mr G is a first-timer and Mrs G is a second-timer</td>
        </tr>
        <tr>
            <td>
            <p><strong>Employment</strong></p>
            
            
            </td>
            <td>
            <p>Mr and Mrs G have been working since July 2023. Their average gross monthly household income for the 12 months worked between July 2023 and June 2024 was $4,000.</p>
            </td>
        </tr>
        <tr>
            <td><strong>Average monthly income</strong></td>
            <td>$4,000</td>
        </tr>
        <tr>
            <td>
            <p><strong>Assessed household income for EHG (Singles)</strong></p>
            <p>(half of average household income)</p>
            </td>
            <td>$2,000</td>
        </tr>
    </tbody>
    <thead>
        <tr>
            <th colspan="2">Details of housing grant</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td><strong>EHG (Singles) amount</strong></td>
            <td>$40,000</td>
        </tr>
        <tr>
            <td><strong>Disbursement to CPF Ordinary Account</strong></td>
            <td>Mr G, the first-timer applicant, will receive an EHG (Singles) of $40,000.</td>
        </tr>
    </tbody>
</table>
<h2>Resale flat</h2>
<p>Mr and Mrs H applied for an HFE letter on 20 August 2024. With a valid HFE letter, they intend to exercise their Option to Purchase and submit a resale application for a 4-room resale flat in Tampines in  October 2024.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th colspan="2">Details of Mr and Mrs H</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 25%;"><strong>Citizenship</strong></td>
            <td style="width: 75%;">Mr and Mrs H are both SCs</td>
        </tr>
        <tr>
            <td><strong>Household status</strong></td>
            <td>Mr H is a second-timer and Mrs H is a first-timer</td>
        </tr>
        <tr>
            <td>
            <p><strong>Employment</strong></p>
            
            
            </td>
            <td>
            <p>Mr H has been working since July 2023, and his average gross monthly income for the 12 months worked between July 2023 and June 2024 was $2,300.</p>
            <p>Mrs H worked only in December 2023 to April 2024, and her average gross monthly income for the 5 months worked was $2,100.</p>
            </td>
        </tr>
        <tr>
            <td><strong>Average monthly income</strong></td>
            <td>$4,400 </td>
        </tr>
        <tr>
            <td>
            <p><strong>Assessed household income for EHG (Singles)</strong></p>
            <p>(half of average household income)</p>
            </td>
            <td>$2,200</td>
        </tr>
    </tbody>
    <thead>
        <tr>
            <th colspan="2">Details of housing grants</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td><strong> Family Grant amount</strong></td>
            <td>$40,000</td>
        </tr>
        <tr>
            <td><strong>EHG (Singles) amount</strong></td>
            <td>$35,000</td>
        </tr>
        <tr>
            <td><strong>Disbursement to CPF Ordinary Account</strong></td>
            <td>Mrs H, the first-timer applicant, will receive a Family Grant of $40,000 and an EHG (Singles) of <span>$35,000</span>.</td>
        </tr>
    </tbody>
</table>

Enhanced CPF Housing Grant for Families

Next steps

Financial Planning for a Flat Purchase

Application for an HDB Flat Eligibility (HFE) Letter

Finding a New Flat

Process for Buying a New Flat

Process for Buying a Resale Flat