For flat applications received from Sep 2019 sales launch onwards:
As a first-timer single Singapore Citizen (SC) who is 35 years old or above, you may be eligible for the Enhanced CPF Housing Grant (EHG) (Singles).
Your average gross monthly income for the 12 months before your flat application must not exceed $4,500
More than 20 years
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.
Up to $40,000, depending on your income
The EHG (Singles) amount is based on the average gross household income assessed over the months worked during the assessment period, i.e. a 12-month period prior to the date of your flat application. Applicants with lower incomes will receive a larger grant amount. See examples below.
For flat applications received before Sep 2019 sales launch:
As a first-timer single Singapore Citizen (SC) who is 35 years old or above, you may be eligible for the following CPF housing grants:
2-room Flexi flat in a non-mature estate
From November 2015 sales launch
Up to $20,000, depending on your 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 income assessed over the months worked during the assessment period, i.e. a 12-month period prior to the date of your flat application. Applicants with lower incomes will receive a larger grant amount. See examples below.
Up to $750
$751 to 1,000
$1,001 to 1,250
$1,251 to 1,500
$1,501 to 1,750
$1,751 to 2,000
$2,001 to 2,250
$2,251 to 2,500
$2,501 to 2,750
$2,751 to 3,000
$3,001 to 3,250
If eligible, please complete and sign the Enhanced CPF Housing Grant (EHG) application form given in your invitation letter 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.
The CPF housing grants will be fully credited into your CPF Ordinary Account. 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 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
Part-time worker/ Commission-based person
And (for commission-based person)
Odd job worker
Full-time student receiving stipends
Ms J (single, SC) is a first-timer aged above 35. She is applying for a new 2-room Flexi flat in Punggol under the Single Singapore Citizen (SSC) Scheme in September 2019. She has been working for the past 12 months, drawing an average gross monthly income of $2,000.
Flat Type Applied For
2-room Flexi flat in a non-mature estate
Ms J is above 35
Previous Housing Subsidies
Ms J is a first-timer
Ms J has been working continuously for the past 12 months, and was still working at the time of her flat application
Remaining Lease of Flat
≥ 20 years
Ms J will receive $27,500 in grants [EHG (Singles)].
Without EHG (Singles)
With EHG (Singles)
Purchase Price of a 2-room Flexi flat (A)
$100,000 + $15,000*
10% downpayment (B)
Pay by EHG (Singles)
Pay by CPF savings
Balance Purchase Price (C = A - B)
Balance EHG (Singles) and CPF Savings (D)
Balance EHG (Singles)
Balance CPF savings
Mortgage Loan Required (C - D)
Monthly loan instalment over 25 years repayment period
Monthly loan instalment paid with CPF contribution
Monthly loan instalment paid in cash
The EHG (Singles) help to reduce the loan amount required, along with the monthly loan instalment.
*The flat price is inclusive of the $15,000 price difference that singles who apply for a 2-room Flexi flat under the SSC has to pay. This is to maintain parity of treatment in the enjoyment of housing subsidies between singles and families.
Mr K (single, SC) is a first-timer aged above 35. He applied for a new 2-room Flexi flat in Punggol under the SSC Scheme in September 2019.
Mr K was not working between Sep 2018 and Mar 2019. Nevertheless, he has been working since Apr 2019, drawing an average gross monthly income of $2,000.
Mr K is not eligible for the EHG (Singles) as he has not worked continuously for a 12-month period prior to his flat application.