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CPF Housing Grants for DBSS Flats

CPF Housing Grants for DBSS Flats

These are the CPF Housing Grants available for DBSS flat purchases from developers:

  • Family Grant
  • Half-Housing Grant
  • Singles Grant
  • Additional Housing Grant (AHG) for Family
  • AHG for Singles
  • Proximity Housing Grant

You and any co-applicants must be eligible for the grants at the point of booking the DBSS flat.

Main CPF Housing Grants

Take a look at the CPF Housing Grants that eligible Singapore Citizens may apply for when they buy a DBSS flat from the developers.

If you are a Singapore Citizen (SC), you may be eligible for 1 of the following CPF Housing Grants:

  • Family Grant of up to $50,000
  • Half-Housing Grant of up to $25,000
  • Singles Grant of up to $25,000

Grant Type

Family Grant

Half-Housing Grant

Singles Grant

Flat Type Applied For

DBSS flat from a developer

Condition

Age

21 years old or above when submitting the flat application

35 years old or above when submitting the flat application

Previous Housing Subsidies

All applicants are first-timers

You are a first-timer, and your spouse/ fiancé(e) is a second-timer who has only received 1 housing subsidy

All applicants are first-timers

Family Nucleus

  • Married couple
  • Fiancé/Fiancée couple
  • Widowed/divorced with children under legal custody, care and control#

#If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application.

If you face difficulties in obtaining the agreement or have a question for us, please send us an email at hdbsales@mailbox.hdb.gov.sg.

  • Married couple
  • Fiancé/ Fiancée couple
  • Single orphan with unmarried siblings
  • Single child with parent(s)

Grant Amount

 

Household

Buying 2- to 4-room DBSS Flat Buying 5-room or Bigger DBSS Flat
SC/ SC $50,000 $40,000
SC/ SPR $40,000 $30,000

 

Half of the Family Grant

Buying 2- to 4-room DBSS Flat Buying 5-room or Bigger DBSS Flat
$25,000 $20,000

 

 

AHG

These are the eligibility conditions for the AHG for a family, and singles.

A first-timer household may be eligible for 1 of the following AHGs:

  • AHG for Family of up to $40,000
  • AHG for Singles of up to $20,000

AHGs are available for eligible first-timer households where at least 1 applicant has worked continuously for 12 months before applying for the flat, and is still working when the DBSS flat application is submitted.

Grant Type

AHG (Family)

AHG (Singles)

Conditions

Income Ceiling

$5,000

Half of the average monthly household income does not exceed $2,500. This applies to:

  • Couple comprising a first-timer and a second-timer (FT/ ST couple)
  • Orphans Scheme
  • Single child living with parents

Age

21 years old or above when submitting the flat application

  • FT/ ST couple: 21 years old or above when submitting the flat application
  • Orphans Scheme: 35 years old or above when submitting the flat application
  • Single child living with parents: the single child must be 35 years old or above when submitting the flat application

Previous Housing

Subsidies

All applicants are first-timers

  • FT/ ST couple: 1 first-timer, and the second-timer has only received 1 housing subsidy
  • Orphans Scheme: All applicants are first-timers
  • Single child living with parents: All applicants are first-timers

Employment

At least 1 applicant is employed when submitting the flat application, and has been continuously employed for the 12 months prior to the flat application

Grant Amount

Up to $40,000, depending on household income

Up to $20,000, depending on household income

 

PHG

The PHG helps families who want to buy a DBSS flat to live with or near their parents, or married child. Eligible singles will also enjoy the PHG if they buy a DBSS flat with their parents'. The PHG is applicable to both first-timers and second-timers.

Assistance for

  • Family - Married/ engaged couples or families who are buying a DBSS flat to live with or near their parents/ married child
  • Singles - Singles buying a DBSS flat to live with their parents
Amount
  To live with parents/ child To live within 4km of family
Families $30,000 $20,000
Singles $15,000 -

 

Recipient may also be eligible for
  • CPF Housing Grant for Family
  • CPF Housing Grant for Singles
  • Additional CPF Housing Grant

Eligibility

First-timer and second-timer DBSS flat buyers can apply for the PHG if they meet the following conditions:
Citizenship

You are a Singapore Citizen. 

Family

Your family nucleus must comprise at least another Singapore Permanent Resident or Singapore Citizen.

Singles

At least one of your parents or married child must be a Singapore Permanent Resident or Singapore Citizen.
Age

Family

You must be aged 21 years or above.

Singles

You must be aged 35 years or above.

Family Nucleus

Family

You are applying with your:

  • spouse and children (if any), or
  • fiancé/ fiancée (must be able to produce your marriage certificate, latest by the date of completion of the flat purchase), or
  • children under your legal custody, care and control (if widowed or divorced)

Singles

You are applying with your parents.

Household Status

You have not received the PHG previously.

Proximity condition*

Family

For DBSS flat booked before

19 Feb 2018

For DBSS flat booked on or after 19 Feb 2018

Your parents/married child are:

  • living with you in the DBSS flat
  • living in an HDB flat in the same town or within 2 km
  • owner-occupiers of private property in the same town or within 2 km 

Your parents/married child are:

  • included as joint buyers or occupiers of the DBSS flat you are buying
  • owners/registered occupiers of their flat or the registered tenants/occupiers of their HDB rental flat, which is within 4 km of the DBSS flat you are buying
  • owner-occupiers of the private residential property which is within 4 km of the DBSS flat you are buying
  • occupiers of the private residential property owned by your parents/married child’s immediate family member (i.e. defined as the child or adopted child, parent(s) or parent(s)-in-law, or siblings)

Do note that if your parents or married child own more than one property, the property which they reside in will be used for the proximity reference.

Singles

DBSS flat booked before

19 Feb 2018

For DBSS flat booked on or after

19 Feb 2018

Your parents are living with you in the DBSS flat

Your parents must be buying a DBSS flat to live with you.

 

*Check with the developer of the DBSS projects that you are interested in

Check if you are a first-timer applicant

You are considered a first-timer applicant if you have not received any housing subsidy from HDB.

To be considered a first-timer, 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), 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 with a CPF Housing Grant
  • Have taken other forms of housing subsidies, such as the Selective En bloc Redevelopment Scheme benefits or privatisation of HUDC estates

Calculation of grant amount

Find out the amount you/ your household will receive if eligible for the CPF Housing Grants for DBSS flats.

Family Grant

The grant amount received depends on your household’s citizenship.

Grant Type

Amount

SC/ SC Household

SC/ SPR Household

Family Grant

$50,000

$40,000

Citizen Top-Up (for SC/SPR households)

You can apply for the Citizen Top-Up of $10,000 when a qualifying member of your SC/ SPR household obtains Singapore citizenship. You need to submit your application to HDB within 6 months of being eligible for it.

Half-Housing Grant

You can apply for the Half-Housing Grant if you are an eligible first-timer SC applicant who:

  • Has an SC/ SPR spouse or fiancé/ fiancée who is a second-timer
  • Otherwise meets all the eligibility conditions for the Family/ Higher-tier Grant

Grant Type

Amount

Half-Housing Grant

Buying 2- to 4-room Resale Flat Buying 5-room or Bigger Resale Flat
$25,000 $20,000

Singles Grant

Grant Type

Amount

Singles Grant (Single orphans buying under the Orphan Scheme)

Buying 2- to 4-room Resale Flat Buying 5-room or Bigger Resale Flat
$25,000 $20,000

AHG for Family

The AHG amount received depends on the average gross monthly household income for the 12 months prior to you submitting your flat application. Applicants with lower household incomes will receive a larger grant amount.

Average Monthly Household Income* Over 12 Months

AHG for Family

Up to $1,500

$40,000

$1,501 to 2,000

$35,000

$2,001 to 2,500

$30,000

$2,501 to 3,000

$25,000

$3,001 to 3,500

$20,000

$3,501 to 4,000

$15,000

$4,001 to 4,500

$10,000

$4,501 to 5,000

$5,000

* All working persons’ (i.e. applicants and occupiers) income are included.

AHG for Singles

The AHG for Singles is available to eligible:

  • FT/ ST couples
  • Orphans Scheme applicants
  • Singles living with their parents

The grant amount received depends on the average gross monthly household income (halved) for the 12 months prior to the submission of your flat application. Households with lower incomes will receive a larger grant amount.

Half of Average Monthly Household Income* Over 12 Months

AHG for Singles

Up to $750

$20,000

$751 to 1,000

$17,500

$1,001 to 1,250

$15,000

$1,251 to 1,500

$12,500

$1,501 to 1,750

$10,000

$1,751 to 2,000

$7,500

$2,001 to 2,250

$5,000

$2,251 to 2,500

$2,500

* All working persons’ (i.e. applicants and occupiers) income are included.

Proximity Housing Grant

  To live with parents/ child To live within 4km of family
Families $30,000 $20,000
Singles $15,000 $10,000

How to apply

You can apply for the CPF Housing Grants when booking your DBSS flat with the developer.

If you are also applying for an AHG, please remember to bring the necessary income documents (see below) for the 12 months prior to your flat application.

Disbursement

CPF Housing Grants are fully credited into the CPF Ordinary Accounts of eligible Singapore Citizen (SC) applicants. No cash is disbursed.

Type of Applicants

Distribution of Grant

Sole SC applicant

Full grant                         

Joint SC applicants (husband and wife)

Half of the full grant each

First-timer/ Second-timer couple (FT/ ST)

Full grant given to the SC first-timer, who must be a co-applicant

Multi-nuclei SC applicants, such as

  • Married siblings with their respective spouses
  •  Parents and married child

Grant given only to a maximum of 2 applicants who are husband and wife

 

 

Usage

Find out how the CPF Housing Grants can be used

The CPF Housing Grants can be used to:
  • Offset the balance downpayment for the DBSS flat
  • Reduce the mortgage loan for the DBSS flat purchase

The grant cannot be used for the minimum cash downpayment (if any) and monthly mortgage instalment payments.

If you are buying the DBSS flat with a bank loan, the grant will also be included in the computation of the CPF withdrawal limit.

Income documents (for Additional CPF Housing Grant)

The income documents required at your DBSS flat booking appointment depend on the nature of your employment. We will inform you if additional documents are required.

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:

For cases with Option to Purchase granted before 28 Aug 2018:

  • If you are employed full-time but on no-pay leave (e.g. full-time studies) for 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 AHG.

For cases with Option to Purchase granted from 28 Aug 2018 onwards:

  • 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 AHG.
  • 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 overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Pension
  • Rental income
  • Scholarship overseas allowance
  • ^Overseas cost of living allowance
  • ^Director’s fee

Notes:

^Applicable for cases with Option to Purchase granted from 28 Aug 2018 onwards

Examples

Take a look at an example on getting CPF Housing Grants for DBSS flats.

Example (Family Grant and AHG for Family)

Mr and Mrs N (both Singapore Citizens) are first-timers who have booked a 4-room DBSS flat from a developer. Their gross monthly household income at the time of application was $4,000. They had also been continuously employed for the past 12 months prior to their application, and drew an average gross monthly household income of $3,500 for that 12-month period.

Grant Type

Family Grant

AHG for Family

Conditions

Income Ceiling

$12,000

$5,000

Previous Housing

Subsidies

First-timer couple with no previous housing subsidies

Employment

Applicants are continuously employed for the past 12 months, and are still employed at the time of flat application

Grant Amount

$50,000 (Family Grant) + $20,000 (AHG for Family) = $70,000

Disbursement of Grant

  • Mr N receives $35,000
  • Mrs N receives $35,000