Non-Citizen Spouse Scheme (NCS)
If you are a citizen with a spouse who is neither a Singapore Citizen nor a Singapore Permanent Resident (SPR), you may be eligible for the:
^The EHG is introduced and will replace the AHG for resale applications received from 11 September 2019.
Singles Grant
Assistance For
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Married applicants aged 21 or above who buy an HDB resale flat under the Non-Citizen Spouse Scheme
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Recipient May Also Be Eligible For
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Enhanced CPF Housing Grant for Singles
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Recipient May Later Be Eligible For
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Grant amount
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Buying 2- to 4-room Resale Flat |
Buying 5-room or Bigger Resale Flat |
$25,000 |
$20,000 |
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Eligibility
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Citizenship
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Singapore Citizen
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Age
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At least 21 years old
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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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Household Status |
You and the family member(s) buying the resale flat must be first-timer applicants, meaning that all of you must meet the following criteria:
- Not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (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 CPF Housing Grant for the purchase of an HDB resale flat
- Not received any form of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation
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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 ceiling is $12,000
Example
Kent is a 28-year-old Singapore Citizen with a monthly salary of $5,000. He is married to Sally, an Australian citizen holding a social visit pass valid for 1 year. She is a housewife and not drawing an income. They are buying an HDB 4-room resale flat under the Non-Citizen Spouse Scheme.
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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 Singles 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 the Singles Grant and satisfy these conditions:
Employment Status
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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
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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
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Remaining Lease of Flat |
20 years or more.
Flat must have sufficient lease to cover the youngest buyer and spouse 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