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Non-Citizen Spouse Scheme

Non-Citizen Spouse Scheme

When applying for a flat under the Non-Citizen Spouse Scheme (NCS), 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 flat in a non-mature estate

Conditions

Income Ceiling

Half of the average monthly household income is within $2,500

From November 2015 sales launch

  • Half of average household income for the past 12 months must not exceed $4,250

May 2015 sales launch and earlier

  • Half of average household income for the past 12 months must not exceed $3,250

Employment

You and/ or your spouse 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 HUDC flats and ECs)
    • House
    • Building
    • Land

Grant Amount

Up to $20,000, depending on your household income

Up to $20,000, depending on your 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 (Singles) and/ or SHG (Singles) amount received depends on the average gross monthly household income (halved) for the 12 months prior to you submitting your flat application. Families with lower incomes 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 Nov 2015 Sales launch) (July 2013 to May 2015 Sales launch) (From Nov 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

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

 

How to apply

If eligible, please download this 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.

Disbursement

The CPF Housing Grants will be fully credited into the CPF Ordinary Account of the Singapore Citizen (SC) first-timer. No cash is disbursed.

Usage

CPF Housing Grants 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 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 prior to flat application date

Or

  • Letter from employer certifying salaries for the 12 months prior to flat application date. 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 prior to flat application date

Notes:

  • If you are employed full-time but on no-pay leave (e.g. for 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 the income for your AHG

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 prior to flat application date

Or

  • Letter from employer certifying salaries for the 12 months prior to flat application date; 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 prior to flat application date

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, and uniform
  • 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

Examples

Check here for an AHG/ SHG (Singles) example for a couple buying a flat under the NCS.

Example

Mr M (SC) is a first-timer above 35 years old. He is applying for a new 2-room Build-To-Order (BTO) flat in Punggol under the NCS under the November 2015 sales launch. He has been unemployed for the past 12 months.

However, his spouse, Mrs M (a non-citizen), has been employed for the past 12 months, drawing an average gross monthly income of $4,000. Their assessed household income for the AHG (Singles) and/ or SHG (Singles) is $2,000 (i.e. half of $4,000).

Grant Type

AHG (Singles)

SHG (Singles)

Flat Type Applied For

2-room BTO 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)

Marital Status and Age

Mr and Mrs M are married, and Mr M is above 35

Previous Housing Subsidies

First-timer couple with no previous housing subsidies

Employment

Mrs M has been continuously employed for the past 12 months, and was 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

Mr M receives $27,500

The total grant amount of $27,500 (AHG (Singles) and SHG (Singles)) will be fully disbursed to Mr M, the sole SC applicant.

How the AHG (Singles) and SHG (Singles) help the couple in buying the 2-room flat

  • AHG (Singles) and SHG (Singles) amount: $27,500
  • Monthly contribution to CPF Ordinary Account: $460
  • Total CPF savings: $20,000

 

Without AHG (Singles) and SHG (Singles)

With AHG (Singles) and SHG (Singles)

Purchase Price of a 2-room flat (A)

$115,000

$115,000

10% downpayment (B)

  1. Pay by AHG/ SHG (Singles)

  2. Pay by CPF savings

 

N/A

$11,500

 

$11,500

N/A

Balance Purchase Price (C = A - B)

$103,500

$103,500

Balance AHG and SHG (Singles) and CPF Savings (D)

Balance AHG and SHG (Singles)

N/A

$16,000

Balance CPF savings

$8,500

$20,000

Mortgage Loan Required (C - D)

$95,000

$67,500

Monthly loan instalment over 25 years repayment period

$413

$307

Monthly loan instalment paid with CPF contribution

$413

$307

Monthly loan instalment paid in cash

Nil

Nil

The AHG (Singles) and SHG (Singles) help to reduce the loan amount required, along with the monthly loan instalment.