CPF Housing Grants for DBSS Flats
These are the CPF housing grants available for Design, Build and Sell Scheme (DBSS) flat purchases from developers:
You and any co-applicants must be eligible for the grants at the point of booking the DBSS flat.
Take a look at the CPF Housing Grant 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:
Flat Type Applied For
DBSS flat from a developer
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
#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 contact us via our e-Feedback Form.
Half of the Family Grant
These are the eligibility conditions for the EHG for families and singles.
A first-timer household may be eligible for 1 of the following:
EHGs are available for eligible first-timer households where at least 1 applicant has worked continuously for 12 months prior to the DBSS flat application, and is still working when the DBSS flat application is submitted.
Half of the average monthly household income does not exceed $4,500. This applies to:
Remaining Lease of Flat
20 years or more.
Flat must have sufficient lease to cover the youngest buyer and spouse/ fiancé(e) to the age of 95 to qualify for the full EHG. Otherwise, the EHG will be pro-rated.
Up to $80,000, depending on household income
Up to $40,000, depending on household income
The PHG helps families who want to buy a DBSS flat to live with or near their parents, or child. Eligible singles will also enjoy the PHG if they buy a DBSS flat to live with or near their parents'. The PHG is applicable to both first-timers and second-timers.
You are a Singapore Citizen.
Your family nucleus must comprise at least another Singapore Permanent Resident or Singapore Citizen.
You must be aged 21 years or above.
You must be aged 35 years or above.
You are applying with your:
You are applying under any of the following schemes:
You have not received the PHG previously.
Your parents/ child are:
Do note that if your parents or child own more than one property, the property which they reside in will be used for the proximity reference.
Your parents are:
Do note that if your parents own more than one property, the property which they reside in will be used for the proximity reference.
*Check with the developer of the DBSS projects that you are interested in
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:
Find out the amount you/ your household will receive if eligible for the CPF Housing Grants for DBSS flats.
The grant amount received depends on your household’s citizenship.
SC/ SC Household
SC/ SPR Household
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.
You can apply for the Half-Housing Grant if you are an eligible first-timer SC applicant who:
Singles Grant (Single orphans buying under the Orphan Scheme)
The EHG 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.
* All working persons’ (i.e. applicants and occupiers) income are included.
The EHG for Singles is available to eligible:
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.
You can apply for the CPF housing grants when booking your DBSS flat with the developer.
If you are also applying for the EHG, please remember to bring the necessary income documents (see below) for the 12 months prior to your flat application.
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
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
Grant given only to a maximum of 2 applicants who are husband and wife
Find out how the CPF housing grants can be used
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 withdrawal of CPF savings (up to applicable limits).
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
Part-time worker/ Commission-based person
And (for commission-based person)
Odd job worker
Full-time student receiving stipends
Take a look at an example on getting CPF Housing Grants for DBSS flats.
Mr and Mrs A (both Singapore Citizens) are first-timers who have booked a 4-room DBSS flat from a developer on 11 September 2019. 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.
EHG for Family
First-timer couple with no previous housing subsidies
Applicants are continuously employed for the past 12 months, and are still employed at the time of flat application
$50,000 (Family Grant) + $60,000 (EHG for Family) = $110,000
Disbursement of Grant
If you have been invited to select a flat, you may check out the flats available for selection