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Single Singapore Citizen Applicants

As a first-timer single Singapore Citizen (SC) who is 35 years old or above, you might be eligible for the following CPF Housing Grant(s):
  • Singles Grant
  • Additional CPF Housing Grant (AHG) (Singles)

HDB Image

Singles Grant

Assistance For

Single applicants aged 35 or above who buy an HDB resale flat under any of these schemes:

  • Single Singapore Citizen Scheme
  • Non-Citizen Family Scheme

Recipient May Also Be Eligible For

Additional CPF Housing Grant for Singles

Recipient May Later Be Eligible For

Top-Up Grant

 

Grant amount

  • $25,000 (2- to 4-room resale flat)
  • $20,000 (5 room resale flat)


 

Eligibility

Citizenship

Singapore Citizen

Age

At least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes:

  • Single Singapore Citizen Scheme
  • Non-Citizen Family Scheme
Household Status

You must be a first-timer applicant, meaning that 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:
  • $6,000 if buying a resale flat under the Single Singapore Citizen Scheme
  • $12,000 if buying a resale flat under other schemes
Flat Type
  • 2 to 5-room under the Single Singapore Citizen Scheme
  • 2-room or bigger under other schemes

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

 
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:
    • Private residential property (including privatised HUDC flats and ECs)
    • House
    • Building
    • Land
  • Be buying an HDB resale flat that has been announced for SERS
Time bar

Cancellation of Application After Booking a Flat

If you book a flat from the March 2012 sales exercise onwards and subsequently cancel the flat booking, you will have to meet a one-year period from the date of cancellation before you can apply or be included as an essential occupier for a resale flat with CPF Housing Grant.

Example

Ali is a single Singapore Citizen aged 40. His monthly salary is $2,800. He is buying a 3-room HDB resale flat under the Single Singapore Citizen 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 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

  • Statutory Declaration affirming the average gross monthly income for +6 months preceding the month of application
  • Assessment is based on the average gross monthly income

  • The Statutory Declaration can be made at the Sales Office at HDB Hub or at 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 a Notary Public for that country

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)

  • Statutory Declaration affirming the employment status

or 

  • 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:
  • The Statutory Declaration can be made at the Sales Office at HDB Hub or at 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 a Notary Public for that country

Notes:

#For resale applications received before 28 Aug 2018, we will need the latest 3 months’ payslips (month of application and 2 months preceding month of application)

+For resale applications received before 28 Aug 2018, we will need the latest 12 months’ commission statements/ payslips (month of application and 11 months preceding month of application)

^Applicable for resale applications received from 28 Aug 2018 onwards

 

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 overtime work

  • Interest from deposit accounts

  • National Service Allowance

  • Rental income

  • Scholarship overseas allowance

  • ^Overseas cost of living allowance

  • ^Pension

 Notes:

^Applicable for resale applications received from 28 Aug 2018 onwards

Additional CPF Housing Grant (Singles)

Amount

$2,500 to $20,000

Assistance For

  • Lower to middle-income applicants of the Singles 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.

Singles can buy resale flat under the following schemes:

  • Single Singapore Citizen Scheme
  • Non-Citizen Family Scheme

Average monthly household income of Singapore Citizen

(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 the Singles 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 must:

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

 

Income Ceiling

 

The average monthly income of the Singapore Citizen for the 12 months before the flat application must not exceed $2,500.

Income document guidelines

As eligibility for the AHG 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:

For resale applications received before 28 Aug 2018:

  • 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.

For resale applications received from 28 Aug 2018 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 resale applications received from 28 Aug 2018 onwards