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Residential

Non-Citizen Spouse Scheme (NCS)

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)/ Additional CPF Housing Grant (Singles)^

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

Singles Grant

Assistance For

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

Grant amount

Buying 2- to 4-room Resale Flat Buying 5-room or Bigger Resale Flat
$25,000 $20,000

Eligibility

Citizenship
Singapore Citizen
Age

At least 21 years old

Income Ceiling
 
Your average gross monthly household income must not exceed ^$14,000
 
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
Flat Type 2-room or bigger
Remaining Lease of Flat
  • 20 years or more
  • You can get a flat’s lease details with our HDB Map Services
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 2019. For resale applications received before 11 September 2019, income ceiling is $12,000

Example

Kent is a 28-year-old Singapore Citizen with a monthly salary of $5,000. He is married to Sally, an Australian citizen holding a social visit pass valid for 1 year. She is a housewife and not drawing an income. They are buying an HDB 4-room resale flat under the Non-Citizen Spouse Scheme.
  • Grant Amount = $25,000

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 (Singles)

Amount $2,500 - $40,000
Assistance For
  • Lower to upper-middle income applicants of the Singles Grant
  • Applicant 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 earners a higher grant amount.

Half of the Average Monthly Household Income* Over 12 Months
EHG Amount
Not more than $750
$40,000
$751 to $1,000
$37,500
$1,001 to $1,250
$35,000
$1,251 to $1,500
$32,500
$1,501 to $1,750 $30,000
$1,751 to $2,000
$27,500
$2,001 to $2,250
$25,000
$2,251 to $2,500
$22,500
$2,501 to $2,750
$20,000
$2,751 to $3,000 $17,500
$3,001 to $3,250 $15,000
$3,251 to $3,500 $12,500
$3,501 to $3,750 $10,000
$3,751 to $4,000 $7,500
$4,001 to $4,250 $5,000
$4,251 to $4,500 $2,500

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

 

Eligibility

You must first meet all of the eligibility conditions for the Singles Grant and satisfy these conditions:

Employment Status

 You and/ or your spouse must:

  • Have worked continuously for 12 months before the flat application
  • Still be working during the flat application

 

Income Ceiling

 

Half of the average gross monthly household income for the 12 months before the flat application must not exceed $4,500

Remaining Lease of Flat 

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

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

OrLetter 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