• How is HDB helping first-timers to afford a resale flat?

    HDB is committed to helping Singaporeans afford their first home. First-time home buyers can choose to buy a flat directly from HDB at a subsidised rate, or a resale flat from the open market with the help of housing grants.

    Generous subsidies and grants provided by the Government further ensure that ownership of an HDB flat remains affordable and continues to be within reach of home buyers. 90 percent of first-time home buyers buy their flats directly from HDB at a subsidised rate. These flats are priced below their market value so that buyers enjoy a generous subsidy. First-time buyers of a resale flat will be given a $50,000 CPF Housing Grant for a 4-Room or smaller resale flat and $40,000 CPF Housing Grant for a 5-Room or larger resale flat. Those who plan to live with or near their parents/ married child can also apply for the Proximity Housing Grant of up to $30,000.

    Grants for Resale Flats

    First-time families who prefer a resale flat can enjoy up to $160,000 in housing grants, depending on their household income, type of flat they buy, and the extent to which the flat can last the buyer and his/ her spouse till 95 years old. This comprises:

    •    CPF Housing Grant of up to $50,000 families and $25,000 for singles.


    First-timer families

    First-timer singles

    4-room or smaller resale flats



    5-room or larger resale flats



    •    Enhanced CPF Housing Grant (EHG) for eligible first-timers. This is given on top of the CPF Housing Grant. Depending on their income and the extent to which the lease of their purchased flat can last them till 95 years old, the EHG can be up to $80,000 for families, and up to $40,000 for singles.

    •    Proximity Housing Grant (PHG) for those who wish to buy a resale flat to live with or near their parents or married child for mutual care and support. Eligible families will receive a PHG of up to $30,000, while eligible singles will enjoy a PHG of up to $15,000.

    How We Assist First-timers with Housing Grants


    Mr and Mrs Lee are looking to set up their first home near their parents in Tampines, a mature estate. A 4-room resale flat in Tampines is about $430,000, while a new 4-room flat in Tampines costs about $300,000 to $360,000.

    If they are eligible, they can get up to $160,000 of grants, comprising the Enhanced CPF Housing Grant, CPF Housing Grant, and Proximity Housing Grant. With these grants, the amount they will need to pay for a resale flat will be comparable to that for a new flat. They can choose to buy a resale flat and move in immediately, or apply for new flat from HDB if they are not in a hurry.