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Single Singapore Citizen Scheme

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:

  • Additional CPF Housing Grant (AHG) (Singles)
  • Special CPF Housing Grant (SHG) (Singles)

Grant Type

AHG (Singles)

SHG (Singles)

Flat Type 

2-room Flexi flat in a non-mature estate

Conditions

Income Ceiling

$2,500

From November 2015 sales launch: $4,250

From July 2013 to May 2015 sales launch: $3,250

Employment

You 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 privatised HUDC flats and ECs)
    • House
    • Building
    • Land

Grant Amount

Up to $20,000, depending on your income

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.

 

Calculation of grant amount

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

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 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

 

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 your CPF Ordinary Account. 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 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:

Flat applications before Aug 2018 sales launch:

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

Flat applications from Aug 2018 sales launch onwards:

  • 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 AHG.
  • 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 overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Pension
  • Rental income
  • Scholarship overseas allowance
  • ^Overseas cost of living allowance
  • ^Director’s fee

Notes:

^Applicable for applications received from Aug 2018 sales launch onwards

Examples

Check here for AHG (Singles)/ SHG (Singles) examples.

Example 1

Ms J (single, SC) is a first-timer aged above 35. She is applying for a new 2-room BTO flat in Punggol under the Single Singapore Citizen Scheme (SSC) under the November 2015 BTO sales launch. She has been employed for the past 12 months, drawing an average gross monthly income of $2,000.

Grant Type

AHG (Singles)

SHG (Singles)

Flat Type Applied For

2-room BTO flat in a non-mature estate

Conditions

Income Ceiling

$2,500

$4,250

Age

Ms J is above 35

Previous Housing Subsidies

Ms J is a first-timer

Employment

Ms J has been continuously employed for the past 12 months, and was still employed at the time of her flat application

Remaining Lease of Flat

> 30 years

Grant Amount

$7,500 (AHG) + $20,000 (SHG) = $27,500

Ms J will receive $27,500 in grants [AHG (Singles) and SHG (Singles)].

How the AHG (Singles) and SHG (Singles) help Ms J 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)

$100,000+$15,000*

$100,000 + $15,000*

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.

*The flat price is inclusive of the $15,000 price difference that singles who apply for a 2-room Flexi flat under the Single Singapore Citizen Scheme has to pay. This is to maintain parity of treatment in the enjoyment of housing subsidies between singles and families.

Example 2

Mr K (single, SC) is a first-timer aged above 35. He applied for a new 2-room BTO flat in Yishun under the SSC in March 2014.

Mr K was unemployed from March 2013 to September 2013. He began working in October 2013, drawing an average gross monthly income of $2,000, and was still employed in March 2014.

Mr K is not eligible for the AHG/ SHG for Singles as he has not been continuously employed for 12 months.

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