First-Timer and Second-Timer Couple Applicants
You can apply for a Half-Housing Grant/ Top-Up Grant, as well as the Enhanced CPF Housing Grant (EHG)/ Additional CPF Housing Grant (AHG)^ if you are a first-timer Singapore Citizen applicant married/ engaged to a spouse/ spouse-to-be who has previously received a housing subsidy, i.e. a second-timer applicant.
If the second-timer applicant has previously taken a CPF Housing Grant for singles or bought a 2-room BTO flat in the non-mature estates as a single, the couple may request for the CPF Top-Up Grant for their existing flat or next resale flat.
^The EHG is introduced and will replace the AHG for resale applications received from 11 Sep 2019.
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Half-Housing Grant
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Amount
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$25,000 (2- to 4-room flat) or $20,000 (5-room or bigger flat)
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Assistance For
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First-timer Singapore Citizen applicants whose spouse/ spouse-to-be had previously received a housing subsidy
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Recipient May Also Be Eligible For
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EHG (Singles)
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Grant amount
The Half-Housing Grant amount is half of the Family Grant that you and your spouse/ spouse-to-be would qualify for if both of you were first-timer applicants.
Applicable Grant
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Half-Housing Grant Amount
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$50,000 Family Grant for SC/ SC Household
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$25,000
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Eligibility
Except for the household status requirements, you must meet all of the other eligibility conditions for a Family Grant for Singapore Citizens.
Citizenship
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Singapore Citizen and at least 1 more Singapore Citizen or Singapore Permanent Resident
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Age
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At least 21 years old
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Family Nucleus
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- Spouse and children (if any)
- Spouse-to-be (a photocopy of your marriage certificate must be submitted within 3 months from the resale completion date, if your marriage is registered overseas)
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Household Status
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You will be considered a first-timer applicant if you have not received any housing subsidy from HDB. This means that you must not:
- Be the owner of a flat bought from HDB
- Have sold a flat bought from HDB
- Have taken the CPF Housing Grant to buy an Executive Condominium (EC), Design, Build and Sell Scheme (DBSS) flat or an HDB resale flat, or taken over ownership of such a flat or EC
- Have transferred the ownership of a flat bought directly from HDB, or an HDB resale flat bought under the CPF Housing Grant Scheme
- Have ever taken other forms of housing subsidy, such as Selective En bloc Redevelopment Scheme benefits or HUDC estate privatisation
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Income Ceiling
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Your average gross monthly household income must not exceed:
- ^$14,000
- ^$21,000 if purchasing with extended family
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Flat Type |
2-room or bigger |
Remaining Lease of Flat
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Ownership/ Interest in Property
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All applicants and occupiers listed in the flat application:
- Do not own other property overseas or locally, and have not disposed of any within the last 30 months
- Cannot invest in private residential property from the date of flat application till after the 5-year MOP
- Must not be buying an HDB resale flat that has been announced for SERS
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^For resale applications received on or after 11 September 2019. For resale applications received before 11 September 2019, income ceilings are $12,000 and $18,000 (if purchasing with extended family)
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Top-Up Grant
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Amount
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The Family Grant amount you are now eligible for, minus your previously received grant amount
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Assistance For
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- Recipients of a Singles Grant who get married
- Recipients of a Singles Grant who bought an HDB resale flat under the Non-Citizen Spouse Scheme whose spouse or child obtains Singapore Citizenship or permanent residence status
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Recipient May Also Be Eligible For
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EHG (Singles)
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Recipient May Later Be Eligible For
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Grant amount
The Top-Up Grant amount is the difference between the Family Grant that you now qualify for, minus the Singles Grant amount that you had previously received.
Use of Top-Up Grant
You can use your Top-Up Grant:
- For your existing flat, i.e. it is now your matrimonial home
- To share the Top-Up Grant amount, your SC spouse must be added as a co-owner of your flat
- To buy a resale flat with your spouse
- The grant amount will be credited to your and/ or your spouse’s CPF Ordinary Accounts
Eligibility
Citizenship
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You are a Singapore Citizen (SC) and your spouse or child is an SC or Singapore Permanent Resident (SPR) |
Family Nucleus
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You and your spouse and/ or children |
Household Status
(Newly-married single)
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- You have previously received a Singles Grant to buy a resale or bought a 2-room BTO flat under the Single Singapore Citizen Scheme or Joint Singles Scheme
- You are now married to an SC or SPR that meets the following criteria:
- Other than the Singles Grant, has not received any CPF Housing Grant
- Not the owner of a flat bought from HDB, or an EC/ 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 other form of housing subsidy, e.g. benefitted under SERS, HUDC estate privatisation
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Household Status
(Household with new SC/ SPR)
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You have previously received a Singles Grant to buy a resale or bought a 2-room BTO flat under the Non-Citizen Spouse Scheme
- Your spouse or child is now an SC or SPR
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Timeframe
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Your application must be submitted within 6 months of your marriage registration or spouse/ child becoming an SC/ SPR
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Income Ceiling
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Your average gross monthly household income must not exceed ^$14,000
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Ownership/ Interest in Property
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All applicants and occupiers listed in the flat application:
- Do not own other property overseas or locally, and have not disposed of any within the last 30 months
- Cannot invest in private residential property from the date of flat application till after the 5-year MOP
- Must not be buying an HDB resale flat that has been announced for SERS
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^For resale applications received on or after 11 September 2019. For resale applications received before 11 September 2019, income ceiling is $12,000
Example
These are some examples on how the Top-Up Grant amount is determined and distributed. They are based on the following grant amounts:
Family Grant for SC/ SC household
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$50,000
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Family Grant for SC/ SPR household
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$40,000
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Singles Grant
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$15,000
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Example 1
Spouse A and Spouse B are Singapore Citizens buying a 4-room resale flat. Spouse A has previously received a Singles Grant of $15,000. Spouse B has not. The couple’s Top-Up Grant will be as follows:
Married Couple
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Previously Received Singles Grant
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Eligible Family Grant
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Top-Up Grant
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Spouse A (SC owner)
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$15,000
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$50,000
(Family Grant for SC/ SC household)
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$10,000
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Spouse B (SC owner)
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Nil
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$25,000
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Example 2
Spouse A has previously received a Singles Grant of $15,000. Spouse B is an SPR. They are buying a 4-room resale flat. The couple’s Top-Up Grant will be as follows:
Married Couple
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Previously Received Singles Grant
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Eligible Family Grant
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Top-Up Grant
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Spouse A (SC owner)
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$15,000
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$40,000
(Family Grant for SC/ SPR household)
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$25,000
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Spouse B (SPR owner/ occupier)
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Nil
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Nil
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Income document guidelines
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For your flat application, you and the other applicants and essential occupiers will need to get ready the following documents for our verification:
- 3 months’ payslips preceding the month of application, if employed full-time (not on commission-basis)
- 6 months’ of income documents preceding the month of application, for other types of employment
- Proof of unemployment, if not working
Aside from the above documents, we may also request other documents for verification if needed.
Income/ allowance that will be considered for income assessment
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Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
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Sustenance allowance
- Stipend
Income/ allowance that will not be considered for income assessment
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Alimony allowance
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Bonuses
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Director's fee
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Income from ad hoc overtime work
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Interest from deposit accounts
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National Service Allowance
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Rental income
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Scholarship overseas allowance
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Overseas cost of living allowance
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Pension
Enhanced CPF Housing Grant (Singles)
Amount |
$2,500 - $40,000 |
Assistance For |
- Lower to upper - middle income applicants of the Half Housing Grant or Top-Up Grant
- Applicant must have worked continuously for the 12 months prior to the flat application, and still be working at the point of the flat application
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Grant amount and Eligibility
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Grant Amount
The EHG amount is graduated according to income brackets to offer lower-income earners a higher grant amount.
Half of the Average Monthly Household Income* Over 12 Months
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EHG Amount
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Not more than $750
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$40,000
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$751 to $1,000
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$37,500
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$1,001 to $1,250
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$35,000
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$1,251 to $1,500
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$32,500
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$1,501 to $1,750 |
$30,000 |
$1,751 to $2,000
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$27,500
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$2,001 to $2,250
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$25,000
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$2,251 to $2,500
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$22,500
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$2,501 to $2,750
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$20,000
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$2,751 to $3,000 |
$17,500 |
$3,001 to $3,250 |
$15,000 |
$3,251 to $3,500 |
$12,500 |
$3,501 to $3,750 |
$10,000 |
$3,751 to $4,000 |
$7,500 |
$4,001 to $4,250 |
$5,000 |
$4,251 to $4,500 |
$2,500 |
* All working persons’ (i.e. applicants and occupiers) income are included.
Eligibility
- You must first meet all of the eligibility conditions for any of these CPF housing grants:
- Half-Housing Grant
- Top-Up Grant
Employment Status |
You and/ or your spouse must:
- Have worked continuously for 12 months before the flat application
- Still be working during the flat application
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Income Ceiling
Buying the flat under:
- Public Scheme (first-timer and second-timer couples)
- Fiancé/ Fiancée Scheme (first-timer and second-timer couples)
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Half of the average gross monthly household income for the 12 months before the flat application must not exceed $4,500. |
Remaining Lease of Flat |
20 years or more
Flat must have sufficient lease to cover the youngest buyer and spouse/ fiancé(e) to the age of 95 to qualify for the full EHG. Otherwise, the EHG will be pro-rated.
You can get a flat lease’s details with our HDB Map Services
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Income document guidelines
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As eligibility for the EHG 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 other documents for verification, if needed.
Income/ allowance that will be considered for the income ceiling
- Allowances (fixed/ variable) received on a regular basis, such as allowances for food, transport, laundry, uniform
- Sustenance Allowance
- Stipend
Income/ allowance that is not considered for the income ceiling
- Alimony allowance
- Bonuses
- Income from ad hoc overtime work
- Interest from deposit accounts
- National Service Allowance
- Pension
- Rental income
- Scholarship overseas allowance
- Overseas cost of living allowance
- Director’s fee