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Residential

First-Timer Applicants

Eligible first-timer applicants can apply for the Family Grant and Enhanced CPF Housing Grant (EHG)/ Additional CPF Housing Grant (AHG)^. Those who are buying a resale flat to live near or together with their parents can also apply for the Proximity Housing Grant.

^The EHG is introduced and will replace the AHG for resale applications received from 11 September 2019. 

 

Family Grant

Amount
Household Buying 2- to 4-room Resale Flat Buying 5-room or Bigger Resale Flat
SC/SC $50,000 $40,000
SC/SPR $40,000 $30,000
Assistance For

Married/ engaged couples or families who are first-timer applicants buying an HDB resale flat

Recipient May Also Be Eligible For

Enhanced CPF Housing Grant

Recipient May Later Be Eligible For

Citizen Top-Up (for SC/SPR household)

 

 

 

 

Eligibility

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)
  • Children under your legal custody, care and control (if widowed/divorced#)

#If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application.

If you face difficulties in obtaining the agreement or have a question for us, please send us an email at hdbresale@mailbox.hdb.gov.sg.

Household Status You and the family member(s) buying the resale flat must be first-timer applicants, meaning that all of you must meet the following criteria:
  • Not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (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 CPF Housing Grant for the purchase of an HDB resale flat
  • Not received any form of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation
Income Ceiling Your average gross monthly household income must not exceed:
  • ^$14,000
  • ^$21,000 if purchasing with extended family
Flat Type 2-room or bigger
Remaining Lease of Flat
20 years or more
Ownership/ Interest in Property All applicants and occupiers listed in the flat application: 
  • Do not own other property overseas or locally, and have not disposed of any within the last 30 months
  • Cannot invest in private residential property from the date of flat application till after the 5-year MOP
  • Must not be buying an HDB resale flat that has been announced for SERS

^For resale applications received on or after 11 September 2019For resale applications received before 11 September 2019, income ceilings are $12,000 and $18,000 (if purchasing with extended family)

 

Extended family income ceiling

The income ceiling for extended family is set at a higher level of #$21,000 to encourage and help working adults and their parents to live as an extended family in a resale flat. This includes married couples, their siblings, and their parents. It is calculated using the combined income of 2 set groups in the extended family.

#For resale applications received on or after 11 September 2019. For resale applications received before 11 September 2019, income ceiling is $18,000

How to calculate the extended family income ceiling

The set groups and income ceiling calculation are as follows:

Household Type Income of Group A (Cannot exceed #$14,000) Income of Group B (Cannot exceed #$14,000) Extended Family Income Ceiling
Parent(s)* with single children Parent(s) and 1 of the single children Remaining single   child(ren) Group A + Group B must not exceed #$21,000
Parent(s)* with married children^ Parent(s) and remaining working children (if any) The married children and their children (if any)

* Includes widow/ widower or divorcee
^ Includes applicants applying under the Fiancé/Fiancée Scheme

#For resale applications received on or after 11 September 2019. For resale applications received before 11 September 2019, income ceilings are $12,000 and $18,000 (if purchasing with extended family)

Example

A married couple and their 3 working children wish to buy a resale flat. Individually, their average gross monthly income is:

  • Husband: $7,000
  • Wife: $4,000
  • Child A: $4,000
  • Child B: $3,000
  • Child C: $2,000

Their average gross monthly income as an extended family thus works out as:

Household Type Income of Group A
  • Parent(s) and 1 of the single child(ren)
  • Cannot exceed ^$14,000
Income of Group B
  • Remaining single child(ren)
  • Cannot exceed ^$14,000
Extended Family Income Ceiling
  • Group A + Group B must not exceed ^$21,000
Parent(s)* with single children
Husband: $7,000
Wife: $4,000
Child C: $2,000
 
Total = $13,000
Child A: $4,000
Child B: $3,000
 
Total = $7,000

Group A: $13,000

Group B: $7,000

Total = $20,000

      The extended family's income is within the income ceiling

^For resale applications received on or after 11 September 2019. For resale applications received before 11 September 2019, income ceilings are $12,000 and $18,000 (if purchasing with extended family)

Income document guidelines

For your flat application, you and the other applicants and essential occupiers will need to get ready the following documents for our verification:

  • 3 months’ payslips preceding the month of application, if employed full-time (not on commission-basis)
  • 6 months’ of income documents preceding the month of application, for other types of employment
  • Proof of unemployment, if not working

Aside from the above documents, we may also request other documents for verification if needed.

Nature of Employment

Documents to Submit

Notes

Employed person

  • 3 months’ payslips preceding the month of application

or

  • Letter from employer  certifying salaries for 3 months preceding the month of application; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation

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, which:
    • Excludes bonuses and income earned from ad hoc overtime work
    • Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • If you are employed full-time but on no-pay leave for less than 6 months, we will consider you as employed and use your last drawn pay for assessment. If you are on no-pay leave for 6 months or more, your income will not be considered in the assessment.
  • Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) will not be accepted

Self-employed person

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

and

and

  • Undertaking affirming the average gross monthly income for 6 months 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).

Part-time worker

  • 6 months’ payslips preceding the month of application

or

  • Letter from employer  certifying salaries for 6 months preceding the month of application; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation
  • Assessment is based on the average gross monthly income.

Commission-based person

  • 6 months’ commission statements/ payslips preceding the month of application

or

  • Letter from employer  certifying salaries for 6 months preceding the month of application; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation
  • Assessment is based on the average gross monthly income.

Odd job worker

or

  • Letter from employer  certifying salaries for 6 months preceding the month of application; the letter must contain the:
    • Company stamp/ letterhead
    • Certifying officer’s name, signature, and designation
  • Assessment is based on the average gross monthly income.

Unemployed person (between 18 to 62 years old)

  • Valid Student Pass or letter from school/ college/ institute of learning to confirm student status, if currently a full-time student
  • If unemployed for less than 3 months, the following documents are required:
 

 

Income/ allowance that will be considered for income assessment
  • Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)

  • Sustenance allowance

  • Stipend
Income/ allowance that will not be considered for income assessment
  • Alimony allowance

  • Bonuses

  • Director's fee

  • Income from ad hoc overtime work

  • Interest from deposit accounts

  • National Service Allowance

  • Rental income

  • Scholarship overseas allowance

  • Overseas cost of living allowance

  • Pension

 

 

 

 

 

 

Enhanced CPF Housing Grant (EHG)

To benefit more first-timer home seekers, the Enhanced CPF Housing Grant (EHG) of up to $80,000 is introduced to replace the Additional CPF Housing Grant for resale applications received on or after 11 September 2019. There are no restrictions on choice of flat type and location.  

Amount

 $5,000 to $80,000

Assistance For

  • Lower to upper - middle income applicants of the Family Grant
  • At least 1 of the applicants must have worked continuously for the 12 months prior to the flat application and still be working at the point of the flat application

 

 

 

 

Grant amount and Eligibility

Grant Amount

The EHG amount is graduated according to income brackets to offer lower-income families a higher grant amount.

Average Monthly Household Income* Over 12 Months
EHG Amount
Not more than $1,500
$80,000
$1,501 to $2,000
$75,000
$2,001 to $2,500
$70,000
$2,501 to $3,000
$65,000
$3,001 to $3,500
$60,000
$3,501 to $4,000
$55,000
$4,001 to $4,500
$50,000
$4,501 to $5,000
$45,000
$5,001 to $5,500 $40,000
$5,501 to $6,000 $35,000
$6,001 to $6,500 $30,000
$6,501 to $7,000 $25,000
$7,001 to $7,500 $20,000
$7,501 to $8,000 $15,000
$8,001 to $8,500 $10,000
$8,501 to $9,000 $5,000

* All working persons’ (i.e. applicants and occupiers) income are included.

 

Eligibility

You must first qualify for a Family Grant before applying for the EHG. In addition, you must satisfy these conditions:
 
Employment Status
The applicant (you or your spouse/ spouse-to-be) must:

• Have worked continuously for 12 months before the flat application

• Still be working during the flat application

Income Ceiling
Your average gross monthly household income for the 12 months before your flat application must not exceed $9,000.

Remaining Lease of Flat 

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. 

You can get a flat lease’s details with our HDB Map Services

 

Income document guidelines

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.

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:

  • 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 housing grant(s).
  • 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 ad hoc overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Pension
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Director’s fee