<h2>New flat</h2>
<p>Mr A applied for an HFE letter on 20 August 2024. With a valid HFE letter, he intends to apply for a 2-room Flexi flat in Sengkang during the October 2024 BTO exercise.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th colspan="2">Details of Ms A</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 20%;"><strong>Citizenship</strong></td>
            <td style="width: 80%;">Mr A is a Singapore Citizen (SC)</td>
        </tr>
        <tr>
            <td><strong>Age</strong></td>
            <td>Above 35 years old</td>
        </tr>
        <tr>
            <td><strong>Household status</strong></td>
            <td>First-timer</td>
        </tr>
        <tr>
            <td>
            <p><strong>Employment</strong></p>
            </td>
            <td>Mr A has been working since July 2023, and his average gross monthly income for the 12 months worked between  July 2023 and June 2024 was $2,000.</td>
        </tr>
        <tr>
            <td><strong>Average monthly income</strong></td>
            <td>$2,000</td>
        </tr>
    </tbody>
    <thead>
        <tr>
            <th colspan="2">Details of housing grant</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 20%;"><strong>EHG (Singles) amount</strong></td>
            <td style="width: 80%;">$40,000</td>
        </tr>
        <tr>
            <td><strong>Disbursement to CPF Ordinary Account</strong></td>
            <td>Mr A will receive an EHG (Singles) of $40,000.</td>
        </tr>
    </tbody>
</table>
<h2>Resale flat</h2>
<p><span class="RTE_BodyTextBold">Example 1</span></p>
<p>Miss B applied for an HFE letter on 20 August 2024. With a valid HFE letter, she intends to exercise her Option to Purchase and submit a resale application for a 3-room resale flat in Punggol in October 2024.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th colspan="2">Details of Miss B</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 20%;"><strong>Citizenship</strong></td>
            <td style="width: 80%;">Miss B is an SC</td>
        </tr>
        <tr>
            <td><strong>Age</strong></td>
            <td>35 years old and above</td>
        </tr>
        <tr>
            <td><strong>Household status</strong></td>
            <td>First-timer</td>
        </tr>
        <tr>
            <td>
            <p><strong>Employment</strong></p>
            
            
            </td>
            <td>Miss B has been working since  July 2023, and her average gross monthly income for the 12 months worked between  July 2023 and June 2024 was $2,000.</td>
        </tr>
        <tr>
            <td><strong>Average monthly income</strong></td>
            <td>$2,000</td>
        </tr>
    </tbody>
    <thead>
        <tr>
            <th colspan="2">Details of housing grant</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 20%;"><strong>Singles Grant amount</strong></td>
            <td style="width: 80%;">$40,000</td>
        </tr>
        <tr>
            <td><strong>EHG (Singles) amount</strong></td>
            <td>$40,000</td>
        </tr>
        <tr>
            <td><strong>Disbursement to CPF Ordinary Account</strong></td>
            <td>Miss B will receive a Singles Grant of $40,000 and an EHG (Singles) of $40,000.</td>
        </tr>
    </tbody>
</table>
<p><span class="RTE_BodyTextBold">Example 2</span></p>
<p>Mr C applied for an HFE letter on 20 August 2024. With a valid HFE letter, he intends to exercise his Option to Purchase and submit a resale application for a 3-room resale flat in Punggol in October 2024.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th colspan="2">Details of Mr C</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 20%;"><strong>Citizenship</strong></td>
            <td style="width: 80%;">Mr C is an SC</td>
        </tr>
        <tr>
            <td><strong>Age</strong></td>
            <td>35 years old and above</td>
        </tr>
        <tr>
            <td><strong>Household status</strong></td>
            <td>First-timer</td>
        </tr>
        <tr>
            <td>
            <p><strong>Employment</strong></p>
            </td>
            <td>Mr C was not working between  July 2023 and February 2024. He has been working since March 2024, with an average gross monthly income of $2,000.</td>
        </tr>
        <tr>
            <td><strong>Average monthly income</strong></td>
            <td>Not considered for EHG assessment as Mr C did not meet the 12-month continuous employment condition.</td>
        </tr>
    </tbody>
    <thead>
        <tr>
            <th colspan="2">Details of housing grants</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 20%;"><strong>Singles Grant amount</strong></td>
            <td style="width: 80%;">$40,000</td>
        </tr>
        <tr>
            <td><strong>EHG (Singles) amount</strong></td>
            <td>Not eligible</td>
        </tr>
        <tr>
            <td><strong>Disbursement to CPF Ordinary Account</strong></td>
            <td>Mr C will receive a Singles Grant of $40,000.</td>
        </tr>
    </tbody>
</table>

Singles

<h2>New flat</h2>
<p>Miss A and Miss B applied for an HFE letter on 20 August 2024.  With a valid HFE letter, they intend to apply for a 2-room Flexi flat in Sengkang during the October 2024 BTO exercise.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th colspan="2">Details of Miss A and Miss B</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 20%;"><strong>Citizenship</strong></td>
            <td style="width: 80%;">Both Miss A and Miss B are Singapore Citizens (SCs)</td>
        </tr>
        <tr>
            <td><strong>Age</strong></td>
            <td>35 years old and above</td>
        </tr>
        <tr>
            <td><strong>Household status</strong></td>
            <td>First-timers</td>
        </tr>
        <tr>
            <td>
            <p><strong>Employment</strong></p>
            
            
            </td>
            <td>Both Miss A and Miss B have been working since July 2023, for the past 12 months, and their combined average gross monthly income for the 12 months worked between July 2023 and June 2024 was $4,000.</td>
        </tr>
        <tr>
            <td><strong>Average monthly household income</strong></td>
            <td>$4,000</td>
        </tr>
    </tbody>
    <thead>
        <tr>
            <th colspan="2">Details of housing grant</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 20%;"><strong>EHG (Singles) amount</strong></td>
            <td style="width: 80%;">$80,000</td>
        </tr>
        <tr>
            <td><strong>Disbursement to CPF Ordinary Account</strong></td>
            <td>Miss A and Miss B will each receive an EHG (Singles) of $40,000.</td>
        </tr>
    </tbody>
</table>
<h2>Resale flat</h2>
<p><span class="RTE_BodyTextBold">Example 1</span></p>
<p>Mr C and Mr D 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 3-room resale flat in Punggol in October 2024.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th colspan="2">Details of Mr C and Mr D</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 20%;"><strong>Citizenship</strong></td>
            <td style="width: 80%;">Mr C and Mr D are both SCs</td>
        </tr>
        <tr>
            <td><strong>Age</strong></td>
            <td>35 years old and above</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 C 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>Mr D worked only in December 2023 to February 2024, and his average gross monthly income for the 3 months worked was $2,100.</p>
            </td>
        </tr>
        <tr>
            <td><strong>Average monthly household income</strong></td>
            <td>$4,400</td>
        </tr>
    </tbody>
    <thead>
        <tr>
            <th colspan="2">Details of housing grants</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 20%;"><strong>Singles Grant amount</strong></td>
            <td style="width: 80%;">$80,000 ($40,000 x 2)</td>
        </tr>
        <tr>
            <td><strong>EHG (Singles) amount</strong></td>
            <td>$70,000</td>
        </tr>
        <tr>
            <td><strong>Disbursement to CPF Ordinary Account</strong></td>
            <td>Mr C and Mr D will each receive a Singles Grant of $40,000 and an EHG (Singles) of $35,000.</td>
        </tr>
    </tbody>
</table>
<p><span class="RTE_BodyTextBold">Example 2</span></p>
<p>Mr E and Mr 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 3-room resale flat in Punggol in October 2024.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th colspan="2">Details of Mr E and Mr F</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 20%;"><strong>Citizenship</strong></td>
            <td style="width: 80%;">Mr E and Mr F are both SCs</td>
        </tr>
        <tr>
            <td><strong>Age</strong></td>
            <td>35 years old and above</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 was not working between July 2023 and March 2024. He has been working since April 2024, with an average gross monthly income of $2,000.</p>
            <p>Mr F worked in July 2023 to February 2024 with an average gross monthly income of $1,800. He has ceased working since March 2024.</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 monthly household 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 style="width: 20%;"><strong>Singles Grant amount</strong></td>
            <td style="width: 80%;">$80,000 ($40,000 x 2)</td>
        </tr>
        <tr>
            <td><strong>EHG (Singles) amount</strong></td>
            <td>Not eligible</td>
        </tr>
        <tr>
            <td><strong>Disbursement to CPF Ordinary Account</strong></td>
            <td>Mr E and Mr F will each receive a Singles Grant of $40,000.</td>
        </tr>
    </tbody>
</table>

Two or more singles

<h2>New flat</h2>
<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 2-room Flexi flat in Sengkang during the October 2024 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: 20%;"><strong>Citizenship</strong></td>
            <td style="width: 80%;">Mr A is a Singapore Citizen (SC) and Mrs A is a non-resident, i.e. not an SC and not a Singapore Permanent Resident (SPR).</td>
        </tr>
        <tr>
            <td><strong>Age</strong></td>
            <td>Mr A is 35 years old and above</td>
        </tr>
        <tr>
            <td><strong>Household status</strong></td>
            <td>First-timer</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 $4,000.</p>
            </td>
        </tr>
        <tr>
            <td><strong>Average monthly household 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 style="width: 20%;"><strong>EHG (Singles) amount</strong></td>
            <td style="width: 80%;">$40,000</td>
        </tr>
        <tr>
            <td><strong>Disbursement to CPF Ordinary Account</strong></td>
            <td>Mr A, the sole SC applicant, will receive an EHG (Singles) of $40,000.</td>
        </tr>
    </tbody>
</table>
<h2>Resale flat</h2>
<p>Mr and Mrs B 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 3-room resale flat in Punggol in October 2024.</p>
<table style="width: 100%;">
    <thead>
        <tr>
            <th colspan="2">Details of Mr and Mrs B</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 20%;"><strong>Citizenship</strong></td>
            <td style="width: 80%;">Mr B is an SC and Mrs B is a non-resident, i.e. not an SC and not an SPR.</td>
        </tr>
        <tr>
            <td><strong>Age</strong></td>
            <td>Mr B is 35 years old and above</td>
        </tr>
        <tr>
            <td><strong>Household status</strong></td>
            <td>First-timer</td>
        </tr>
        <tr>
            <td>
            <p><strong>Employment</strong></p>
            
            
            </td>
            <td>
            <p>Mr B 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 B worked only in November 2023 to January 2024, and her average gross monthly income for the 3 months worked was $2,100.</p>
            </td>
        </tr>
        <tr>
            <td><strong>Average monthly household 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 grant</th>
        </tr>
    </thead>
    <tbody>
        <tr>
            <td style="width: 20%;"><strong>Singles Grant amount</strong></td>
            <td style="width: 80%;">$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>Mr B, the sole SC applicant, will receive a Singles Grant of $40,000 and an EHG (Singles) of $35,000.</td>
        </tr>
    </tbody>
</table>

Enhanced CPF Housing Grant for Singles

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