First-Timer and Second-Timer Couple Applicants

Enhanced CPF Housing Grant (Singles)

Grant amount and Eligibility

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Grant Amount

The EHG (Singles) amount is based on the average gross monthly household income (halved) for the months worked in a 12-month period prior to the date of your resale application.  The incomes of all working persons in the household (i.e. applicants and occupiers) are included in the assessment.  Families with lower household incomes will receive a larger grant amount. See examples below.

Half of the Average Monthly Household Income	EHG (Singles) Amount
Not more than $750	$40,000
$751 to $1,000	$37,500
$1,001 to $1,250	$35,000
$1,251 to $1,500	$32,500
$1,501 to $1,750	$30,000
$1,751 to $2,000	$27,500
$2,001 to $2,250	$25,000
$2,251 to $2,500	$22,500
$2,501 to $2,750	$20,000
$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

 

Eligibility

• You must first meet all of the eligibility conditions for any of these CPF housing grants:
  • Half-Housing Grant
  • Top-Up Grant

Employment	You and/ or your spouse/ fiancé(e) must: • Have worked continuously for 12 months prior to the resale application • Still be working at the time you submitted the resale application
Income Ceiling Buying the flat under: Public Scheme (first-timer and second-timer couples) Fiancé/ Fiancée Scheme (first-timer and second-timer couples)	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

 

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.

Nature of Employment	Documents to Submit
Employed person	12 months’ payslips preceding the flat application Or Letter from employer  certifying salaries for 12 months preceding the flat application. 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 preceding the flat application Notes: If you are employed full-time but on no-pay leave (e.g. full-time studies) for less than 6 months out of the 12 months in review, we will consider you as employed and take your last drawn full-time pay to assess your eligibility for the housing grant(s). If you are employed full-time but on no-pay leave for 6 months or more out of the 12 months in review, your income will not be considered in the assessment.
Self-employed person	Latest Notice of Assessment (NOA) from IRAS Or Statement of Annual Accounts certified by an audit firm And Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) Or Valid licence of trade
Part-time worker/ Commission-based person	12 months’ payslips/ commission statements preceding the flat application Or Letter from employer  certifying salaries for the 12 months preceding the flat application. 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 preceding the flat application
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 for all other work done during full-time studies.

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

Example

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Mr and Mrs A (both SCs) are an FT/ ST couple; Mr A is a second-timer who had previously bought a subsidised HDB flat, whereas Mrs A is a first-timer. They submitted their resale application for a 4-room flat in Tampines in end September 2019. They are eligible for the half housing grant.

Mr A has been working continuously since September 2018, and his average gross monthly income for the 12 months worked from September 2018 to August 2019 was $2,300.

Mrs A worked only in October to December 2018, and her average gross monthly income for the 3 months worked was $2,100.

Mr and Mrs A’s average gross monthly household income would be $4,400. Their assessed household income for the EHG is $2,200 and the EHG amount of $25,000 will be disbursed solely to Mrs A, the first-timer SC applicant.