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Residential

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. 

Half-Housing Grant
Amount         
$25,000 (2- to 4-room flat) or $20,000 (5-room or bigger flat)
Assistance For
First-timer Singapore Citizen applicants whose spouse/ spouse-to-be had previously received a housing subsidy
Recipient May Also Be Eligible For
EHG (Singles)

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

Half-Housing Grant Amount

$50,000 Family Grant for SC/ SC Household

$25,000

Eligibility

Except for the household status requirements, you must meet all of the other eligibility conditions for a Family Grant for Singapore Citizens.
 
Citizenship
Singapore Citizen and at least 1 more Singapore Citizen or Singapore Permanent Resident
Age
At least 21 years old
Family Nucleus
  • 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)
Household Status
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
Income Ceiling
Your average gross monthly household income must not exceed:
  • ^$14,000
  • ^$21,000 if purchasing with extended family      
Flat Type 2-room or bigger
Remaining Lease of Flat
  • At least 20 years
  • You can get a flat’s lease details with our HDB Map Services
Ownership/ Interest in Property
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
^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)

Top-Up Grant

 

Amount
The Family Grant amount you are now eligible for, minus your previously received grant amount
Assistance For
  • 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
Recipient May Also Be Eligible For
EHG (Singles)
Recipient May Later Be Eligible For

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
 You are a Singapore Citizen (SC) and your spouse or child is an SC or Singapore Permanent Resident (SPR)
Family Nucleus
 You and your spouse and/ or children
Household Status
(Newly-married single)
  • 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
Household Status
(Household with new SC/ SPR)
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
Timeframe
Your application must be submitted within 6 months of your marriage registration or spouse/ child becoming an SC/ SPR
Income Ceiling
Your average gross monthly household income must not exceed ^$14,000
Ownership/ Interest in Property
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

^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

$50,000

Family Grant for SC/ SPR household

$40,000

Singles Grant

$15,000

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

Previously Received Singles Grant

Eligible Family Grant

Top-Up Grant

Spouse A (SC owner)

$15,000

$50,000

(Family Grant for SC/ SC household)

$10,000

Spouse B (SC owner)

Nil

$25,000

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

Previously Received Singles Grant

Eligible Family Grant

Top-Up Grant

Spouse A (SC owner)

$15,000

$40,000

(Family Grant for SC/ SPR household)

$25,000

Spouse B (SPR owner/ occupier)

Nil

Nil
 
The couple may subsequently apply for a Citizen Top-Up.

Income document guidelines

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.

Nature of Employment

Documents to Submit

Notes

Employed person
  • 3 months’ payslips preceding the month of application

or

  • Letter from employer  certifying salaries for 3 months preceding the month of application; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Note: If your income includes allowances, we will require 6 months’ payslips preceding the month of application.
  • Assessment is based on the average gross monthly income, which:
    • Excludes bonuses and income earned from ad hoc overtime work
    • Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • If you are employed full-time but on no-pay leave for less than 6 months, we will consider you as employed and use your last drawn pay for assessment. If you are on no-pay leave for 6 months or more, your income will not be considered in the assessment.
  • Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) will not be accepted

Self-employed person
  • Latest NOA from IRAS or Statement of Annual Accounts certified by an audit firm

and

and

  • Undertaking affirming the average gross monthly income for 6 months preceding the month of application

  • Assessment is based on the average gross monthly income

  • The undertaking for applicants/occupiers to affirm their average gross monthly income will be sent to applicants via email (if required).

Part-time worker
  • 6 months’ payslips preceding the month of application

or

  • Letter from employer  certifying salaries for 6 months preceding the month of application; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation
  • Assessment is based on the average gross monthly income.

Commission-based person
  • 6 months’ commission statements/ payslips preceding the month of application

or

  • Letter from employer  certifying salaries for 6 months preceding the month of application; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation
  • Assessment is based on the average gross monthly income.

Odd job worker

or

  • Letter from employer  certifying salaries for +6 months preceding the month of application; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation
  • Assessment is based on the average gross monthly income.

Unemployed person (between 18 to 62 years old)
  • Valid Student Pass or letter from school/ college/ institute of learning to confirm student status, if currently a full-time student
  • If unemployed for less than 3 months, the following documents are required:
 

 

Income/ allowance that will be considered for income assessment

  • Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)

  • Sustenance allowance

  • Stipend
Income/ allowance that will not be considered for income assessment

  • Alimony allowance

  • Bonuses

  • Director's fee

  • Income from ad hoc overtime work

  • Interest from deposit accounts

  • National Service Allowance

  • Rental income

  • Scholarship overseas allowance

  • Overseas cost of living allowance

  • 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

 

Grant amount and Eligibility

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
EHG 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

* 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

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

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

Or

  • Statement of Annual Accounts certified by an audit firm

And

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

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

 

 

 

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