Residential
For flat applications received from September 2019 sales launch onwards:
As a couple comprising a first-timer and second-timer (FT/ ST couple), you may be eligible for the Enhanced CPF Housing Grant (EHG) (Singles).
Income Ceiling
Half of your average gross monthly household income for the months worked during the 12 months prior^ to flat application must not exceed $4,500
Previous Housing Subsidies
1 applicant is a first-timer
Employment
You or your spouse/ fiancé(e) must:
^For young couples buying a flat, find out if you are eligible for the deferred income assessment.
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.
Grant Amount
Up to $40,000, depending on household income
The EHG (Singles) amount is based on the average gross monthly household income (halved) assessed over the months worked during the assessment period, i.e. a 12-month period prior^ to the date of your flat application (see example 3 below). The incomes of all working persons in the household (i.e. applicants and occupiers) are included in the assessment. Families with lower household incomes will receive a larger grant amount.
For flat applications received before September 2019 sales launch:
As a couple comprising a first-timer and second-timer (FT/ ST couple), you may be eligible for the following CPF housing grants:
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
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
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.
The AHG (Singles) and/or SHG (Singles) amount is based on the average gross monthly household income (halved) assessed over the months worked during the assessment period, i.e. a 12-month period prior^ to the date of your flat application. The incomes of all working persons in the household (i.e. applicants and occupiers) are included in the assessment. Families with lower household incomes will receive a larger grant amount. See examples below.
Half of Average Monthly Household Income
AHG (Singles) Amount
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
$2,501 to 2,750
Nil
$2,751 to 3,000
$3,001 to 3,250
You will be considered a first-timer applicant if you have not received any housing subsidy from HDB. This means that you must not:
If eligible, please download the relevant EHG application form or 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.
The CPF housing grants 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 CPF housing grants will be credited to the CPF Ordinary Account of the SC spouse who is a second-timer, provided he/ she has never received the EHG, AHG and/ or SHG for Family previously. No cash is disbursed.
CPF housing grants can be used to:
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
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
Or
And
Notes:
Self-employed person
Part-time worker/ Commission-based person
And (for commission-based person)
Odd job worker
Full-time student receiving stipends
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. They applied for a 4-room Build-To-Order (BTO) flat in Punggol in September 2019.
They have been working continuously for the past 12 months and draw an average gross monthly household income of $4,000. Their assessed household income for the EHG (Singles) is $2,000 (i.e. half of $4,000).
EHG (Singles)
4-room flat in a non-mature estate
$4,500
(Half of their average monthly household income is $2,000)
FT/ ST couple
Mr and Mrs Z have both been working continuously for the past 12 months, and were still working at the time of their flat application
Remaining Lease of Flat
≥ 20 years
$27,500
Disbursement of Grant
Mrs Z receives $27,500
The EHG (Singles) amount of $27,500 will be disbursed solely to Mrs Z, the first-timer SC applicant.
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. They applied for a 5-room BTO flat in Tampines in September 2019.
They have been working continuously for the past 12 months and draw an average gross monthly household income of $6,000. Their assessed household income for the EHG (Singles) is $3,000 (i.e. half of $6,000).
5-room flat in a mature estate
(Half of their average monthly household income is $3,000)
FT/ST couple
Mr and Mrs L have both been working continuously for the past 12 months, and were still working at the time of their flat application
Mrs L receives $17,500
The EHG (Singles) amount of $17,500 will be disbursed solely to Mrs L, the first-timer SC applicant.
Mr and Mrs B (both SCs) are an FT/ ST couple; Mr B is a second-timer who had previously bought a subsidised HDB flat, whereas Mrs B is a first-timer. They applied for a 4-room BTO flat in Tampines in September 2019.
Mr B has been working continuously since September 2018, and his average gross monthly income for the 12 months worked from September 2018 to August 2019 was $2,300.
Mrs B worked only in October to December 2018, and her average gross monthly income for the 3 months worked was $2,100.
Mr and Mrs B’s average gross monthly household income would be $4,400. Their assessed household income for the EHG (Singles) is $2,200 and the EHG (Singles) amount of $25,000 will be disbursed solely to Mrs B, the first-timer SC applicant.
If you have been invited to select a flat, you may check out the flats available for selection