Enhanced CPF Housing Grant (Singles)

If you are a first-timer applicant buying a flat on your own or with your non-resident spouse, you may apply for an Enhanced CPF Housing Grant (EHG) (Singles) of up to $40,000 to help with your new or resale flat purchase. If you are buying with other first-timer single(s), up to 2 singles may each be eligible for an EHG (Singles) of up to $40,000, i.e., a total of $80,000.

If you are buying a resale flat, you must first qualify for the CPF Housing Grant for Resale Flats (Singles) before applying for the EHG. You may also apply for the Proximity Housing Grant (PHG) (Singles) if you meet the eligibility conditions.

Complete the questionnaire for a preliminary assessment of your eligibility for the purchase a new or resale flat, housing grant(s) and an HDB housing loan.

Eligibility conditions

Criteria Details
Assistance for
  • First-timer applicants aged 35 or above who are buying:
    • A flat from HDB on their own or with other first-timer single citizens
    • A resale flat on their own, with other first-timer single citizens or with their parents
  • First-timer applicants aged 21 or above who are buying a resale flat with their non-resident spouse

Refer to the following for more information on the eligibility conditions:

* If you are a single Singapore Citizen (SC) child buying a flat with your parents, at least one of your parents must be an SC and both parents must be first-timers. Your parents must also meet all eligibility conditions of the EHG.

Employment

You or your spouse^ must:

  • Have worked continuously for 12 months prior to the flat application
  • Be working at the time of the flat application

^ This applies if you are buying a flat with a non-resident spouse.

Monthly household income ceiling

The average gross monthly household income (including all applicants and occupiers) for the months worked during the 12 months before the flat application must not exceed:

  • $4,500 if you are buying a flat on your own or with a non-resident spouse
  • $9,000 if you are buying a flat with other singles or a resale flat with your parents
Remaining lease of flat
  • More than 20 years
  • Flat must have sufficient lease to cover the youngest buyer and fiancé/ fiancée/ spouse to the age of 95 to qualify for the full EHG amount. Otherwise, the EHG amount will be pro-rated
  • For resale flat purchase, you can get the details of a flat lease at HDB Map Services
Ownership/ interest in property in Singapore or overseas other than HDB flat

All applicants and occupiers listed in the flat application:

  • Must not own or have an interest in any local or overseas private property
  • Have not disposed of any private property in the last 30 months before the flat application
Amount

The amount is based on the average gross monthly household income assessed over for the months worked during the 12-month period prior to the date of the flat application. The income of all working persons in the household (including applicants and occupiers) are included in the assessment. Families with lower household incomes will receive a bigger grant amount.

Examples

Singles

New flat

Mr A applied for a 2-room Flexi flat in Punggol from HDB in November 2021.

Details of Ms A
Citizenship Mr A is a Singapore Citizen (SC)
Age Above 35 years old
Household status First-timer

Employment

(Working in:

  • November 2020 to October 2021; and
  • November 2021)
Mr A has been working since November 2020, and his average gross monthly income for the 12 months worked between November 2020 and October 2021 was $2,000.
Average monthly  income $2,000
Details of housing grant
EHG (Singles) amount $27,500
Disbursement to CPF Ordinary Account Mr A will receive an EHG (Singles) of $27,500.

Resale flat

Example 1

Miss B applied to buy a 3-room resale flat in Punggol in November 2021.

Details of Miss B
Citizenship Miss B is an SC
Age Above 35 years old
Household status First-timer

Employment

(Working in:

  • November 2020 to October 2021; and
  • November 2021)
Miss B has been working since November 2020, and her average gross monthly income for the 12 months worked between November 2020 and October 2021 was $2,000.
Average monthly income $2,000
Details of housing grant
Singles Grant amount $25,000
EHG (Singles) amount $27,500
Disbursement to CPF Ordinary Account Miss B will receive a Singles Grant of $25,000 and an EHG (Singles) of $27,500

Example 2

Mr C applied to buy a 3-room resale flat in Punggol in November 2021.

Details of Mr C
Citizenship Mr C is an SC
Age Above 35 years old
Household status First-timer

Employment

(Working in:

  • November 2020 to October 2021; and
  • November 2021)
Mr C was not working between November 2020 and March 2021. He has been working since April 2021, with an average gross monthly income of $2,000.
Average monthly income Not used for EHG assessment as Mr C did not meet the 12-month continuous employment conditions
Details of housing grants
Singles Grant amount $25,000
EHG (Singles) amount Not eligible
Disbursement to CPF Ordinary Account Mr C will receive a Singles Grant of $25,000.

Two or more singles

New flat

Example 1

Miss A and Miss B applied for a 2-room Flexi flat in Punggol from HDB in November 2021.

Details of Miss A and Miss B
Citizenship Both Miss A and Miss B are Singapore Citizens (SCs)
Age Above 35 years old
Household status First-timers

Employment

(Working in:

  • November 2020 to October 2021; and
  • November 2021)
Both Miss A and Miss B have been working since November 2020, for the past 12 months, and their combined average gross monthly income for the 12 months worked between November 2020 and October 2021 was $4,000.
Average monthly household income $4,000
Details of housing grant
EHG (Singles) amount $55,000
Disbursement to CPF Ordinary Account Miss A and Miss B will each receive an EHG (Singles) of $27,500.

Example 2

Mr C, Mr D, and Mr E are siblings, and they applied for a 3-room flat in Punggol from HDB in November 2021.

Details of Mr C, Mr D, and Mr E
Citizenship Mr C, Mr D, and Mr E are SCs
Age Above 35 years old
Household status First-timers

Employment

(Working in:

  • November 2020 to October 2021; and
  • November 2021)
Mr C, Mr D, and Mr E have been working since November 2020, and their combined average gross monthly income for the 12 months worked between November 2020 and October 2021 was $3,000.
Average monthly household income $3,000
Details of housing grant
EHG (Singles) amount $65,000
Disbursement to CPF Ordinary Account

Among themselves, the 3 applicants are to choose which 2 are to receive the total grant of $65,000 (EHG) (Singles).

The 2 recipients will each receive an EHG (Singles) of $32,500

Resale flat

Example 1

Mr F and Mr G applied to buy a 3-room resale flat in Punggol in November 2021.

Details of Mr F and Mr G
Citizenship Mr F and Mr G are both SCs
Age Above 35 years old
Household status First-timers

Employment

(Working in:

  • November 2020 to October 2021; and
  • November 2021)

Mr F has been working since November 2021, and his average gross monthly income for the 12 months worked between November 2020 and October 2021 was $2,300.

Mr G worked only in January to March 2021, and his average gross monthly income for the 3 months worked was $2,100.

Average monthly household income $4,400
Details of housing grants
Singles Grant amount $50,000 ($25,000 x 2)
EHG (Singles) amount $50,000
Disbursement to CPF Ordinary Account Mr F and Mr G will each receive a Singles Grant of $25,000 and an EHG (Singles) of $25,000.

Example 2

Mr H and Mr L applied to buy a 3-room resale flat in Punggol in November 2021.

Details of Mr H and Mr L
Citizenship Mr H and Mr L are both SCs
Age Above 35 years old
Household status First-timers

Employment

(Working in:

  • November 2020 to October 2021; and
  • November 2021)

Mr H was not working between November 2020 and April 2021. He has been working since May 2021, with an average gross monthly income of $2,000.

Mr L worked in November 2020 to March 2021 with an average gross monthly income of $1,800. He has ceased working since April 2021.

Both applicants did not work continuously for a 12-month period prior to their resale application.

Average monthly household income Not used for EHG assessment as none of the applicants met the 12-month continuous employment condition.
Details of housing grants
Singles Grant amount $50,000 ($25,000 x 2)
EHG (Singles) amount Not eligible
Disbursement to CPF Ordinary Account Mr H and Mr L will each receive a Singles Grant of $25,000.

Families with non-residents

New flat

Mr and Mrs A applied for a 2-room Flexi flat in Punggol from HDB in November 2021.

Details of Mr and Mrs A
Citizenship Mr A is a Singapore Citizen (SC) and Mrs A is a non-resident, i.e. not an SC and not a Singapore Permanent Resident (SPR).
Age Mr A is above 35 years old
Household status First-timer

Employment

(Working in:

  • November 2020 to October 2021; and
  • November 2021)

Mr A has not been working.

Mrs A has been working since November 2020, and her average gross monthly income for the 12 months worked between November 2020 and October 2021 was $4,000.

Average monthly household income $4,000

Assessed household income for EHG (Singles)

(half of average household income)

$2,000
 Details of housing grant
EHG (Singles) amount $27,500
Disbursement to CPF Ordinary Account Mr A, the sole SC applicant, will receive an EHG (Singles) of $27,500.

Resale flat

Mr and Mrs B applied to buy a 3-room resale flat in Punggol in November 2021.

Details of Mr and Mrs B
Citizenship Mr B is an SC and Mrs B is a non-resident, i.e. not an SC and not an SPR.
Age Mr B is above 35 years old
Household status First-timer

Employment

(Working in:

  • November 2020 to October 2021; and
  • November 2021)

Mr B has been working since November 2020, and his average gross monthly income for the 12 months worked between November 2020 and October 2021 was $2,300.

Mrs B worked only in December 2020 to February 2021, and her average gross monthly income for the 3 months worked was $2,100.

Average monthly household income $4,400

Assessed household income for EHG (Singles)

(half of average household income)

$2,200
Details of housing grant
Singles Grant amount $25,000
EHG (Singles) amount $25,000
Disbursement to CPF Ordinary Account Mr B, the sole SC applicant, will receive a Singles Grant of $25,000 and an EHG (Singles) of $25,000.