If you are a citizen with a spouse who is neither a Singapore Citizen nor a Singapore Permanent Resident (SPR), you may be eligible for the:
Singles Grant; or
Enhanced CPF Housing Grant (Singles)
Married applicants aged 21 or above who buy an HDB resale flat under the Non-Citizen Spouse Scheme
Recipient May Also Be Eligible For
Enhanced CPF Housing Grant for Singles
Recipient May Later Be Eligible For
At least 21 years old
For your flat application, you and the other applicants and essential occupiers will need to get ready the following documents for our verification:
Aside from the above documents, we may also request other documents for verification if needed.
Nature of Employment
Documents to Submit
Note: If your income includes allowances, we will require 6 months’ payslips preceding the month of application.
Assessment is based on the average gross monthly income
The undertaking for applicants/occupiers to affirm their average gross monthly income will be sent to applicants via email (if required).
Odd job worker
Unemployed person (between 18 to 62 years old)
Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
Income from ad hoc overtime work
Interest from deposit accounts
National Service Allowance
Scholarship overseas allowance
Overseas cost of living allowance
Applicants who qualify for the Singles Grant may also benefit from the Enhanced CPF Housing Grant (EHG) for Singles of up to $40,000.
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 resale application (see example 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.
You must first meet all of the eligibility conditions for the Singles Grant and satisfy these conditions:
You or your spouse must:
• Have worked continuously for 12 months prior to the resale application
• Still be working at the time you submitted the resale application
Half of the average gross monthly household income (including applicants and occupiers) for the months worked during the 12 months before the flat application must not exceed $4,500
20 years or more.
Flat must have sufficient lease to cover the youngest buyer and spouse to the age of 95 to qualify for the full EHG. Otherwise, the EHG will be pro-rated.
You can get a flat lease’s details with our HDB Map Services
As eligibility for the EHG is based on 12 months of employment, these are the income guidelines when applying for this grant. Aside from these mentioned documents, we may also request other documents for verification, if needed.
Or Letter from employer
Part-time worker/ Commission-based person
And (for commission-based person)
Full-time student receiving stipends
Mr A (SC) and Mrs A (non-resident) are a first-timer couple. They submitted their resale application for a 3-room flat in Punggol in end September 2019. They are eligible for the Singles Grant.
Mr A 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 A worked only in October to December 2018, and her average gross monthly income for the 3 months worked was $2,100.
Mr and Mrs A’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 to Mr A, the sole SC applicant.
Find out more about the streamlined resale process with the HDB Resale Portal.
We have different eligibility schemes under which you can buy an HDB resale flat.
Here are some resources to help you plan your finances before your flat purchase.