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Joint Singles Scheme & Orphans Scheme

Joint Singles Scheme or Orphans Scheme

For flat applications received from Sep 2019 sales launch onwards:

Single Singapore Citizens (SCs) who are 35 years old or above may be eligible for the Enhanced CPF Housing Grant (EHG) if they are applying for:

  • A new 2-room Flexi flat in a non-mature estate under the Joint Singles Scheme
  • A flat (regardless of flat type) under the Orphans Scheme

Income Ceiling

Your average gross monthly household income for the 12 months before your flat application must not exceed $9,000

Previous Housing Subsidies All applicants are first-timers

Employment

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

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. 

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 $80,000, depending on household income

Calculation of grant amount

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

Average Monthly Household Income* Over 12 Months
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

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

 

For flat applications received before Sep 2019 sales launch:

The Additional CPF Housing Grant (AHG) or Special CPF Housing Grant (SHG) may be eligible for single Singapore Citizens (SCs) who are 35 years old or above and applying for:

  • A new 2-room Flexi flat in a non-mature estate under the Joint Singles Scheme
  • A flat (regardless of flat type) under the Orphans Scheme

Grant Type

AHG

SHG

Flat Type Applied For

Joint Singles Scheme

2-room Flexi flat in a non-mature estate

Orphans Scheme

2-room Flexi or larger flat

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

Conditions

Income Ceiling

$5,000

From November 2015 Sales launch

  • Average monthly household income for the 12 months prior to flat application date is within $8,500
Previous Housing Subsidies All applicants are first-timers

Employment

At least 1 applicant is employed at the time of submitting the flat application, and has 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 $40,000, depending on household income

Up to $40,000, 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.

Calculation of grant amount

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

Average Monthly Household Income* Over 12 Months AHG SHG
Total
    (From November 2015 to May 2019 Sales launch) (From November 2015 to May 2019  Sales launch)
Up to $1,500 $40,000 $20,000 $40,000 $80,000
$1,501 to 2,000 $35,000 $20,000 $40,000 $75,000
$2,001 to 2,500 $30,000 $20,000 $40,000 $70,000
$2,501 to 3,000 $25,000 $20,000 $40,000 $65,000
$3,001 to 3,500 $20,000 $20,000 $40,000 $60,000
$3,501 to 4,000 $15,000 $20,000 $40,000 $55,000
$4,001 to 4,500 $10,000 $20,000 $40,000 $50,000
$4,501 to 5,000 $5,000 $20,000 $40,000 $45,000
$5,001 to 5,500 Nil $15,000 $35,000 $35,000
$5,501 to 6,000 Nil $10,000 $30,000 $30,000
$6,001 to 6,500 Nil $5,000 $25,000 $25,000
$6,501 to 7,000 Nil Nil $20,000 $20,000
$7,001 to 7,500 Nil Nil $15,000 $15,000
$7,501 to 8,000 Nil Nil $10,000 $10,000
$8,001 to 8,500 Nil Nil $5,000 $5,000

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

Check if you are a first-timer applicant

You will be considered as a first-timer applicant if you have not received any housing subsidy from HDB, which 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 unit, Design, Build, and Sell Scheme (DBSS) flat or an HDB resale flat, or taken over ownership of such a flat or EC unit
  • 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

How to apply

Under the Joint Singles Scheme: If you are eligible for the EHG or AHG and/ or SHG, please download the EHG application form or AHG/ SHG application form and submit it to HDB during your flat booking appointment.

Under the Orphans Scheme: If eligible, please download the EHG application form or AHG application form or AHG/ SHG application form and submit it to us during your flat booking appointment.

When you attend the flat booking appointment, please remember to bring the necessary income documents (see below) for the 12 months prior to your flat application.

Disbursement

The CPF housing grants are fully credited into the CPF Ordinary Accounts of eligible SC applicants. No cash is disbursed.

Type of Applicants

Distribution of Grant

2 SC applicants

Half of the full grant each

More than 2 SC applicants

Disbursed only to a maximum of 2 SC applicants, who each receive half of the full grant

Usage

CPF housing grants can be used to:

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

The grants 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 grants will also be included in the computation of the CPF withdrawal limit

Income documents

The income documents you are required to bring for your flat booking appointment depend on your nature of employment. We may also request further documentation 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

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 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 of EHG

Example 1

Ms A and Ms B are first-timers aged above 35. They are applying for a new 99-year lease 2-room Flexi flat in Punggol under the Joint Singles Scheme in the September 2019 sales launch. They have been employed for the past 12 months, drawing an average gross household income of $4,000.

Grant Type

EHG

Flat Type Applied For

2-room Flexi flat in a non-mature estate

Conditions

Income Ceiling

$9,000

Age

Ms A and Ms B are above 35

Previous Housing Subsidies

Ms A and Ms B are first-timers

Employment

Ms A and Ms B have been continuously employed for the past 12 months, and were still employed at the time of their flat application

Remaining Lease of Flat

 20 years

Grant Amount

$55,000

Disbursement of Grant

  • Ms A receives $27,500
  • Ms B receives $27,500

Ms A and Ms B will receive $27,500 each in grants (EHG).

How the EHG helps Ms A and Ms B in purchasing the 2-room Flexi flat

  • EHG amount: $55,000
  • Total CPF savings: $40,000
  • Monthly contribution to CPF Ordinary Account: $840

 

Without EHG

With EHG

Purchase Price of a 99-year lease 2-room Flexi flat (A)

$100,000

$100,000

10% downpayment (B)

  1. Pay by EHG

  2. Pay by CPF savings

 

N/A

$10,000

 

$10,000

N/A

Balance Purchase Price (C = A - B)

$90,000

$90,000

Balance EHG and CPF Savings (D)

Balance EHG

N/A

$45,000

Balance CPF savings

$30,000

$40,000

Mortgage Loan Required (C - D)

$50,000

$5,000

Monthly loan instalment over 25 years repayment period

$227

$23

Monthly loan instalment paid with CPF contribution

$227

$23

Monthly loan instalment paid in cash

Nil

Nil

The EHG helps reduce the loan amount required, along with the monthly loan instalment.

Example 2

Mr H (SC) and Mr I (SC) are first-timers aged above 35, and applied for a new 2-room Flexi flat in Punggol under the Joint Singles Scheme in the September 2019 sales launch.

Mr H was unemployed from September 2018 to March 2019. He began working in April 2019, drawing an average gross monthly income of $2,000, and was still employed in September 2019.

Mr I was employed from September 2018 to March 2019 with an average gross monthly income of $1,800. However, he has been unemployed since April 2019.

Mr H and Mr I are not eligible for the EHG, as neither of them have been continuously employed for the 12 months prior to the flat application.

Example 3

Mr E (SC), Mr F (SC), and Mr G (SC) are siblings. They are all first-timers aged above 35, and applied for a new 3-room Build-To-Order flat in Punggol under the Orphans Scheme in the September 2019 sales launch. They have been continuously employed for the past 12 months and draw an average gross monthly household income of $3,000.

Grant Type

EHG

Flat Type Applied For

3-room flat in a non-mature estate

Conditions

Income Ceiling

$9,000

Age

All applicants are above 35

Previous Housing Subsidies

All applicants have no previous housing subsidies

Employment

All applicants have been continuously employed for the past 12 months, and were still employed at the time of flat application

Remaining Lease of Flat

≥ 20 years

Grant Amount

$65,000

Disbursement of Grant

  • Mr E receives $32,500
  • Mr G receives $32,500

Among themselves, the 3 applicants are to choose which 2 are to receive the total grant of $65,000 (EHG). The 2 recipients will each receive $32,500.

How the EHG help the siblings in purchasing the 3-room flat

  • EHG amount: $65,000
  • Total CPF savings: $21,000
  • Monthly contribution to CPF Ordinary Account: $690

 

Without EHG

With EHG

Purchase Price of a 3-room flat (A)

$170,000

$170,000

10% downpayment (B)

  1. Pay by EHG

  2. Pay by CPF savings

 

N/A

$17,000

 

$17,000

N/A

Balance Purchase Price (C = A - B)

$153,000

$153,000

Balance EHG and CPF Savings (D)

Balance EHG

N/A

$48,000

Balance CPF savings

$4,000

$21,000

Mortgage Loan Required (C - D)

$149,000

$84,000

Monthly loan instalment over 25 years repayment period

$676

$382

Monthly loan instalment paid with CPF contribution

$676

$382

Monthly loan instalment paid in cash

Nil

Nil

The EHG helps reduce the loan amount required, along with the monthly loan instalment.