Joint Singles Scheme or Orphans Scheme

Grant amount

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Flat buyer(s)	Buying 2- to 4-room Resale Flat	Buying 5-room or Bigger Resale Flat
1 single*	$25,000	$20,000
Buying with other single(s) under the Joint Singles Scheme or Orphans Scheme (Maximum of 2 Singles Grants)	$25,000 x 2	$20,000 x 2

Note: * First-timer singles buying a 2- to 5-room resale flat are eligible for the grant.

Eligibility

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Citizenship	Singapore Citizen
Age	At least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes: Joint Singles Scheme Orphans Scheme
Household Status	At least one of the persons buying the resale flat must be a first-timer applicant to receive the housing grant. You will be considered a first-timer applicant if you have not received any housing subsidy from HDB. This means 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
Income Ceiling	Your average gross monthly household income must not exceed ^$14,000
Flat Type	2-room or bigger
Remaining Lease of Flat	20 years or more You can get a flat lease's 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 a 1-room flat or flat that has been announced for SERS
Time bar	Cancellation of Application After Booking a Flat If you book a flat from the March 2012 sales exercise onwards and subsequently cancel the flat booking, you will have to meet a one-year period from the date of cancellation before you can apply or be included as an essential occupier for a resale flat with CPF Housing Grant.

^{^} For resale applications received on or after 11 September 2019. For resale applications received before 11 September 2019, income ceiling is $12,000

Examples

Example 1

Ali is a single Singapore Citizen aged 40. His monthly salary is $2,800. He is buying a 3-room HDB resale flat under the Single Singapore Citizen Scheme.

• Grant Amount = $25,000

Example 2

Wing Yong is 37 years old with a monthly salary of $2,400. Heng Chong is 35 years old with a monthly salary of $3,000. Soon Meng is 36 years old with a monthly salary of $2,500. They are all Singapore Citizens and want to jointly buy an HDB 4-room resale flat under the Joint Singles Scheme.

• Grant Amount = $50,000 (maximum amount of $25,000 x 2)

Example 3

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.

• Grant Amount = $25,000

 

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.

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 Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) or valid licence of trade 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	Latest NOA from IRAS 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 proof for the preceding month(s) from the previous employer stating gross monthly income and last day of service Latest 15 months’ CPF contribution history

 

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 (EHG)

Amount	$5,000 to $80,000
Assistance For	Lower to upper - middle income applicants of the Singles Grant At least 1 of the applicants 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

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Grant Amount

The EHG amount is based on the average gross monthly household income 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.  Applicants with lower household incomes will receive a larger grant amount. See examples below.

Average Monthly Household Income	EHG Amount
Not more than $1,500	$80,000
$1,501 to $2,000	$75,000
$2,001 to $2,500	$70,000
$2,501 to $3,000	$65,000
$3,001 to $3,500	$60,000
$3,501 to $4,000	$55,000
$4,001 to $4,500	$50,000
$4,501 to $5,000	$45,000
$5,001 to $5,500	$40,000
$5,501 to $6,000	$35,000
$6,001 to $6,500	$30,000
$6,501 to $7,000	$25,000
$7,001 to $7,500	$20,000
$7,501 to $8,000	$15,000
$8,001 to $8,500	$10,000
$8,501 to $9,000	$5,000

 

Eligibility

You must first meet all of the eligibility conditions for the Singles Grant and satisfy these conditions:

Employment Status	You and/ or your co-applicant(s) 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	The average gross monthly household income for the 12 months before the flat application must not exceed $9,000
Remaining Lease of Flat	20 years or more. Flat must have sufficient lease to cover the youngest buyer 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

Examples

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Example 1

Ms A and Ms B are first-timers aged above 35. They submitted their resale application to buy a 3-room flat in Punggol under the Joint Singles Scheme in end September 2019. They are also eligible for the Singles Grant.

They have been working continuously for the past 12 months, drawing an average gross household income of $4,000.

Ms A and Ms B would be given an EHG of $27,500 of EHG each.

Example 2

Mr M and Mr N (both SCs) are first-timer aged above 35. They submitted their resale application to buy a 3-room flat in Punggol under the Joint Singles Scheme in end September 2019. They are also eligible for the Singles Grant.

Mr M 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.

Mr N worked only in October to December 2018, and his average gross monthly income for the 3 months worked was $2,100.

Mr M and Mr N’s average gross monthly household income would be $4,400 and they would be given an EHG of $25,000 each.

Example 3

Mr H (SC) and Mr I (SC) are first-timers aged above 35, and submitted their resale application to buy a 3-room flat in Punggol under the Joint Singles Scheme in end September 2019.

Mr H was not working between September 2018 and March 2019. Nevertheless, he has been working since April 2019, drawing an average gross monthly income of $2,000.

Mr I worked in September 2018 to March 2019 with an average gross monthly income of $1,800. However, he has not been working since April 2019.

Mr H and Mr I are not eligible for the EHG, as none of them has worked continuously for a 12-month period prior to their resale application.