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First-Timer and Second-Timer Couple Applicants

You can apply for a Half-Housing Grant/ Top-Up Grant, as well as the Additional CPF Housing Grant (AHG) if you are a first-timer Singapore Citizen applicant married/ engaged to a spouse/ spouse-to-be that has previously received a housing subsidy, i.e. a second-timer applicant.
 
If the second-timer applicant has previously taken a CPF Housing Grant for singles or bought a 2-room BTO flat in the non-mature estates as a single, the couple may request for the CPF Top-Up Grant for their existing flat or next resale flat.

Half-Housing Grant

Amount         
$25,000 (2- to 4-room flat) or $20,000 (5-room or bigger flat)
Assistance For
First-timer Singapore Citizen applicants whose spouse/ spouse-to-be had previously received a housing subsidy
Recipient May Also Be Eligible For
AHG (Singles)

Grant amount

The Half-Housing Grant amount is half of the Family Grant that you and your spouse/ spouse-to-be would qualify for if both of you were first-timer applicants.

Applicable Grant

Half-Housing Grant Amount

$50,000 Family Grant for SC/ SC Household

$25,000

Eligibility

Except for the household status requirements, you must meet all of the other eligibility conditions for a Family Grant for Singapore Citizens.
 
Citizenship
Singapore Citizen and at least 1 more Singapore Citizen or Singapore Permanent Resident
Age
At least 21 years old
Family Nucleus
  • Spouse and children (if any)
  • Spouse-to-be (a photocopy of your marriage certificate must be submitted within 3 months from the resale completion date, if your marriage is registered overseas)
Household Status
You will be considered a first-timer applicant if you have not received any housing subsidy from HDB. This means that you must not:
  • Be the owner of a flat bought from HDB
  • Have sold a flat bought from HDB
  • Have taken the CPF Housing Grant to buy an Executive Condominium (EC), Design, Build and Sell Scheme (DBSS) flat or an HDB resale flat, or taken over ownership of such a flat or EC
  • Have transferred the ownership of a flat bought directly from HDB, or an HDB resale flat bought under the CPF Housing Grant Scheme
  • Have ever taken other forms of housing subsidy, such as Selective En bloc Redevelopment Scheme benefits or HUDC estate privatisation
Income Ceiling
Your average gross monthly household income must not exceed:
  • $12,000
  • $18,000 if applying with extended family      
Flat Type 2-room or bigger
Remaining Lease of Flat
  • At least 30 years
  • You can get a flat’s lease details with our HDB Map Services
Ownership/ Interest in Property
Flat buyers and occupiers listed in the flat application 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 resale flat application:
    • Private residential property (including privatised HUDC flats and ECs)
    • House
    • Building
    • Land
  • Be buying an HDB resale flat that has been announced for SERS
 

Top-Up Grant

 

Amount
The Family Grant amount you are now eligible for, minus your previously received grant amount
Assistance For
  • Recipients of a Singles Grant who get married
  • Recipients of a Singles Grant who bought an HDB resale flat under the Non-Citizen Spouse Scheme whose spouse or child obtains Singapore Citizenship or permanent residence status
Recipient May Also Be Eligible For
AHG (Singles)
Recipient May Later Be Eligible For

Grant amount

The Top-Up Grant amount is the difference between the Family Grant that you now qualify for, minus the Singles Grant amount that you had previously received.

Use of Top-Up Grant

You can use your Top-Up Grant:
  • For your existing flat, i.e. it is now your matrimonial home
  • To buy a resale flat with your spouse
    • The grant amount will be credited to your and/ or your spouse’s CPF Ordinary Accounts

Eligibility

Citizenship
You are a Singapore Citizen (SC) and your spouse or child is an SC or Singapore Permanent Resident (SPR)
Family Nucleus
You and your spouse and/ or children
Household Status
(Newly-married single)
  • You have previously received a Singles Grant to buy a resale or bought a 2-room BTO flat under the Single Singapore Citizen Scheme or Joint Singles Scheme
  • You are now married to an SC or SPR that meets the following criteria:
    • Other than the Singles Grant, has not received any CPF Housing Grant
    • Not the owner of a flat bought from HDB, or an EC/ DBSS flat bought from a developer
    • Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
    • Not received any other form of housing subsidy, e.g. benefitted under SERS, HUDC estate privatisation
Household Status
(Household with new SC/ SPR)
You have previously received a Singles Grant to buy a resale or bought a 2-room BTO flat under the Non-Citizen Spouse Scheme
  • Your spouse or child is now an SC or SPR
Timeframe
Your application must be submitted within 6 months of your marriage registration or spouse/ child becoming an SC/ SPR
Income Ceiling
Your average gross monthly household income must not exceed $12,000
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 resale flat application and up to the date of taking possession of the flat:
    • Private residential property (including HUDC flats and ECs)
    • House
    • Building
    • Land
  • Be buying an HDB resale flat that has been announced for SERS

Example

These are some examples on how the Top-Up Grant amount is determined and distributed. They are based on the following grant amounts:

Family Grant for SC/ SC household

$50,000

Family Grant for SC/ SPR household

$40,000

Singles Grant

$15,000

Example 1

Spouse A and Spouse B are Singapore Citizens buying a 4-room resale flat. Spouse A has previously received a Singles Grant of $15,000. Spouse B has not. The couple’s Top-Up Grant will be as follows:

Married Couple

Previously Received Singles Grant

Eligible Family Grant

Top-Up Grant

Spouse A (SC owner)

$15,000

$50,000

(Family Grant for SC/ SC household)

$10,000

Spouse B (SC owner)

Nil

$25,000

Example 2

Spouse A has previously received a Singles Grant of $15,000. Spouse B is an SPR. They are buying a 4-room resale flat. The couple’s Top-Up Grant will be as follows:

Married Couple

Previously Received Singles Grant

Eligible Family Grant

Top-Up Grant

Spouse A (SC owner)

$15,000

$40,000

(Family Grant for SC/ SPR household)

$25,000

Spouse B (SPR owner/ occupier)

Nil

Nil

 
The couple may subsequently apply for a Citizen Top-Up.

Income document guidelines

For the Half Housing Grant or Top-Up Grant application, you and any other applicants and essential occupiers will need to prepare:

  • Latest 3 months’ payslips if employed full-time (without commission or allowances)
  • 12 months’ of income documents for other types of employment
  • Proof of unemployment if not working

Aside from these documents, we may also request further documentation if needed.

Nature of Employment

Documents to Submit

Notes

Employed person

  • Latest 3 months’ payslips (month of application and preceding 2 months)

or

  • Letter from employer certifying salaries for the month of application and the preceding 2 months; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Note: If your income includes allowance, we will require the latest 12 months’ (month of application and preceding 11 months) payslips.

  • Assessment is based on the average gross monthly income, which:
    • Excludes bonuses and income earned from overtime work
    • Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted

Self-employed person

  • Latest NOA from IRAS or Statement of Annual Accounts certified by an audit firm

and

Assessment is based on the average gross monthly income for the past 12 months

Part-time worker

  • Latest 12 months’ (month of application and preceding 11 months)payslips

or

  • Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Commission-based person

  • Latest 12 months’ (month of application and preceding 11 months)commission statements/ payslips

or

  • Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

Assessment is based on the average gross monthly income for the past 12 months

Odd job worker

and

  • Previous year’s NOA from IRAS

Assessment is based on the average gross monthly income for the past 12 months

Unemployed person (between 18 to 62 years old)

  • Statutory Declaration to declare the employment status

or 

  • Valid Student Pass if currently a full-time student
  • If unemployed for less than 3 months, the following documents are required:
    • Income proof for the preceding month(s) from the previous employer stating their gross monthly income and last day of service
    • Latest 15 months’ CPF contribution history
  • The Statutory Declaration can be made at the HDB Hub Loans Counter or any HDB Branch. Declarants are required to bring along their Identity Cards
  • If not in Singapore, the Statutory Declaration can be made in the presence of a Commissioner for Oaths or Notary Public for that country

Income/ allowance that will be considered for the income ceiling

  • Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • Pension
  • Stipend
  • Sustenance

Income/ allowance not considered for the income ceiling

  • Alimony allowance
  • Bonuses
  • Director fees
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance

 

 

Additional CPF Housing Grant (Singles)

Amount $2,500 - $20,000
Assistance For
  • Lower to middle-income applicants of the Half Housing Grant or Top-Up Grant
  • Applicant must have worked continuously for the 12 months prior to the flat application, and still be employed at the point of the flat application

Grant amount

The AHG amount is graduated according to income brackets to offer lower-income earners a higher grant amount.

Half of the average household income

(12 months)

AHG amount
$750 or less $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

Eligibility

  • You must first meet all of the eligibility conditions for any of these CPF Housing Grants:
    • Half-Housing Grant
    • Top-Up Grant
  • Even though you are buying an HDB resale flat, as this is an additional grant treated as a housing subsidy, you must first qualify for one of the above grants and satisfy these conditions:
Employment Status

You or your spouse/ spouse-to-be must:

  • Have been in continuous employment for 12 months before the flat application
  • Still be employed during the flat application

Income Ceiling

Buying the flat under:

  • Public Scheme (first-timer and second-timer couples)
  • Fiancé/ Fiancée Scheme (first-timer and second-timer couples)
Half of the average household monthly income for the 12 months before the flat application must not exceed $2,500.

Income document guidelines

Eligibility for the AHG (Singles) is based on these income guidelines. Aside from the mentioned documents, we may also request further documentation if needed.

Nature of Employment Documents to Submit
Employed person
  • 12 months’ payslips prior to flat application date
  • Or

  • Letter from employer certifying salaries for the 12 months prior to flat application date. 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 prior to flat application date

Note:

  • If you are on full-time employment but on no-pay leave (e.g. for full-time studies) for the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your income for the AHG (Singles)
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 prior to flat application date
  • Or

  • Letter from employer certifying salaries for the 12 months prior to flat application date. 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 prior to flat application date
Odd job worker

And

  • Previous year’s NOA from IRAS
Full-time student receiving stipends
  • Letter from the education institute stating your period and nature of study (full or part-time)
  • Copy of signed contract between you and the education institute stating the conditions of the stipend

Note:

  • 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 you the stipend
  • You are not considered as employed if you are a full-time student taking up part-time work

Income/ allowance that will be considered for the AHG (Singles) income ceiling

  • Allowances (fixed/ variable) received on a regular basis, e.g. allowances for food, transport, laundry, uniform, etc.
  • Stipend

Income/ allowance not considered for the AHG (Singles) income ceiling

  • Alimony allowance
  • Bonuses
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Pension
  • Rental income
  • Scholarship overseas allowance