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First-Timer and Second-Timer Couple Applicants

As a couple comprising a first-timer and second-timer (FT/ ST couple), you may be eligible for the following CPF Housing Grants:

  • Additional CPF Housing Grant (AHG) (Singles)
  • Special CPF Housing Grant (SHG) (Singles)

Grant Type

AHG (Singles)

SHG (Singles)

Flat Type Applied For

2-room Flexi or larger flat

2-room Flexi, 3-room, or 4-room flat in a non-mature estate

Conditions

Income Ceiling

Half of the average monthly household income for the 12 months prior^ to flat application date is within $2,500

From November 2015 Sales launch

  • Half of the average household income for the 12 months prior^ to flat application date must not exceed $4,250

May 2015 Sales launch and earlier

  • Half of the average monthly household income for the 12 months prior^ to flat application date is within $3,250

Previous Housing Subsidies

1 applicant is a first-timer

Employment

You and/ or your spouse/ fiancé(e) are employed at the time you submitted the flat application, and have been continuously employed for the 12 months prior^ to the flat application

Remaining Lease of Flat 30 years or more#
Ownership/ Interest in Property You and the other flat applicants must not:
  • Own any of the following properties whether locally or overseas, or have disposed of any such properties in the 30 months before your new flat application:
    • Private residential property (including privatised HUDC flats and ECs)
    • House
    • Building
    • Land

Grant Amount

Up to $20,000, depending on household income

Up to $20,000, depending on household income

# Buyers of 2-room Flexi flats on short lease (15 to 45 years) are eligible for the AHG and SHG (if the flat is in a non-mature estate). The grant amount will be adjusted according to the lease chosen.

^For young couples buying a flat, find out if you are eligible for the deferred income assessment.

Check if you are a first-timer applicant

You will be considered a first-timer applicant if you have not received any housing subsidy from HDB. This means that 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), Design, Build and Sell Scheme (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 under the CPF Housing Grant Scheme
  • Have ever taken other forms of housing subsidy, such as Selective En bloc Redevelopment Scheme benefits or HUDC estate privatisation

Calculation of grant amount

The AHG (Singles) and/ or SHG (Singles) amount received depends on the average gross monthly household income (halved) for the 12 months prior^ to the submission of your flat application. Families with lower income will receive a larger grant amount.

Half of Average Monthly Household Income* Over 12 Months

AHG (Singles)

SHG (Singles) Total
   
July 2013 to May 2015 sales launch
From November 2015 sales launch
July 2013 to May 2015 sales launch
From November 2015 sales launch

Up to $750

$20,000

$10,000

$20,000 $30,000 $40,000

$751 to 1,000

$17,500

$10,000

$20,000 $27,500 $37,500

$1,001 to 1,250

$15,000

$10,000

$20,000 $25,000 $35,000

$1,251 to 1,500

$12,500

$10,000

$20,000

$22,500

$32,500

$1,501 to 1,750

$10,000

$10,000

$20,000 $20,000 $30,000

$1,751 to 2,000

$7,500

$10,000

$20,000 $17,500 $27,500

$2,001 to 2,250

$5,000

$10,000

$20,000 $15,000 $25,000

$2,251 to 2,500

$2,500

$10,000

$20,000 $12,500 $22,500

$2,501 to 2,750

Nil

$7,500

$17,500 $7,500 $17,500

$2,751 to 3,000

Nil

$5,000

$15,000 $5,000 $15,000

$3,001 to 3,250

Nil

$2,500

$12,500 $2,500 $12,500
$3,251 to 3,500

Nil

Nil

$10,000

Nil

$10,000
$3,501 to 3,750

Nil

Nil

$7,500

Nil

$7,500
$3,751 to 4,000

Nil

Nil

$5,000

Nil

$5,000
$4,001 to 4,250

Nil

Nil

$2,500

Nil

$2,500

* The income of all working persons (i.e. applicants and occupiers) are included.

^For young couples buying a flat, find out if you are eligible for the deferred income assessment.

How to apply

If eligible, please download the relevant AHG application form or AHG/ SHG application form  and submit it to us during your flat booking appointment.

When you come for the flat booking appointment, please remember to bring the necessary income documents (see below) for the 12 months prior to your flat application. If you are eligible for the deferred income assessment your income documents will be accessed on a later date.

Disbursement

The AHG and/ or SHG will be fully credited into the CPF Ordinary Account of the Singapore Citizen (SC) first-timer, who must be listed as a co-applicant. If the first-timer is a Singapore Permanent Resident (SPR) or is listed as an occupier, the AHG and/ or SHG will be credited to the CPF Ordinary Account of the SC spouse who is a second-timer, provided he/ she has never received the AHG and/ or SHG previously. No cash is disbursed.

Usage

The AHG and/ or SHG can be used to:

  • Offset the purchase price of the flat
  • Reduce the mortgage loan for the flat purchase

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

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

Income documents

The income documents you are required to bring depend on your nature of employment. We may also request further documentation if needed. For young couples buying a flat, you may wish to find out if you are eligible for the deferred income assessment.

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:

Flat applications before Aug 2018 sales launch:

  • 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.

Flat applications from Aug 2018 sales launch 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 applications received from Aug 2018 sales launch onwards

Examples

Check here for AHG/ SHG (Singles) examples for FT/ ST couples.

Example 1

Mr and Mrs Z (both SCs) are an FT/ ST couple; Mr Z is a second-timer who had previously bought a subsidised HDB flat, whereas Mrs Z is a first-timer. The couple is applying for a 4-room Build-To-Order flat in Sengkang.

They have been continuously employed for the past 12 months and draw an average gross monthly household income of $4,000. Their assessed household income for the AHG (Singles) is $2,000 (i.e. half of $4,000).

Grant Type

AHG (Singles)

SHG (Singles)

Flat Type Applied For

4-room flat in a non-mature estate

Conditions

Income Ceiling

≤ $2,500

(Half of their average monthly household income is $2,000)

≤ $4,250

(Half of their average monthly household income is $2,000)

Previous Housing Subsidies

FT/ ST couple

Employment

Mr and Mrs Z have both been continuously employed for the past 12 months, and were still employed at the time of their flat application

Remaining Lease of Flat

> 30 years

Grant Amount

$7,500 (AHG) + $20,000 (SHG) = $27,500

Disbursement of Grant

Mrs Z receives $27,500

The AHG (Singles) amount of $27,500 will be disbursed solely to Mrs Z, the first-timer SC applicant.

Example 2

Mr and Mrs L (both SCs) are an FT/ ST couple; Mr L is a second-timer who had previously bought a subsidised HDB flat, whereas Mrs L is a first-timer. The couple is applying for a 5-room Build-To-Order flat in Punggol.

They have been continuously employed for the past 12 months and draw an average gross monthly household income of $4,000. Their assessed household income for the AHG (Singles) is $2,000 (i.e. half of $4,000).

Grant Type

AHG (Singles)

SHG (Singles)

(not applicable as they are applying for a 5-room flat)

Flat Type Applied For

5-room flat in a non-mature estate

Conditions

Income Ceiling

$2,500 

(Half of their average monthly household income is $2,000)

N/A

Previous Housing Subsidies

FT/ST couple

Employment

Mr and Mrs L have both been continuously employed for the past 12 months, and were still employed at the time of their flat application

Remaining Lease of Flat

> 30 years

Grant Amount

$7,500
 

Disbursement of Grant

Mrs L receives $7,500

The AHG (Singles) amount of $7,500 will be disbursed solely to Mrs L, the first-timer SC applicant.