Enhanced CPF Housing Grant (Families)

If you are a first-timer applicant, you may apply for the Enhanced CPF Housing Grant (EHG) to help with your new or resale flat purchase.

First-timer families may qualify for an EHG of up to $80,000, while a couple comprising a first-timer and second-timer may qualify for an EHG (Singles) of up to $40,000.

If you are buying a resale flat, you must first qualify for the CPF Housing Grants for resale flats (Families or Singles) before applying for the EHG. You may also apply for the Proximity Housing Grant (PHG) (Families or Singles) if you meet the eligibility conditions.

Complete the questionnaire for a preliminary assessment of your eligibility for the purchase a new or resale flat, housing grant(s) and an HDB housing loan.

Eligibility conditions

Criteria Details
Assistance for
  • Couples or families who are first-timer applicants buying a flat from HDB or a resale flat on the open market
  • First-timer Singapore citizen (SC) applicants whose fiancé/ fiancée/ spouse has previously taken any housing subsidy

Refer to the following for more information on the eligibility conditions:

* If you are a single SC buying a flat with your parents, at least one of your parents must be an SC and both parents must be first-timers. Your parents must also meet all the eligibility conditions for the EHG.
Employment

You and/ or your fiancé(e)/ spouse must:

  • Have worked continuously for at least 12 months prior^ to the flat application
  • Be working at the time you submitted the flat application

^ For young couples buying a flat from HDB, find out if you are eligible for the deferred income assessment.
Monthly household income ceiling

For first-timer households:

  • The average gross monthly household income (including all applicants and occupiers) for the months worked during the 12-month period before the flat application must not exceed $9,000

For first-timer and second-timer couple applicants:

  • Half of the average gross monthly household income (including all applicants and occupiers) for the months worked during the 12-month period before the flat application must not exceed $4,500
Remaining lease of flat
  • More than 20 years
  • Flat must have sufficient remaining lease to cover the youngest buyer and fiancé/ fiancée or spouse to the age of 95 to qualify for the full EHG amount. Otherwise, the EHG amount will be pro-rated
  • For resale flat purchase, you can get the details of a flat lease at HDB Map Services
Ownership/ interest in property in Singapore or overseas other than HDB flat

All applicants and occupiers listed in the flat application:

  • Must not own or have an interest in any local or overseas private property; and
  • Must not have disposed of any private property in the last 30 months before the flat application to buy a flat from HDB or resale PLH flat on the open market.

Private properties include but are not limited to houses, buildings, land, Executive Condominium (EC) units and privatised HUDC flats. You have acquired an interest in a property through purchase or when it is:

  • Acquired by gift;
  • Inherited as a beneficiary under a will or from the Intestate Succession Act; or
  • Owned, acquired, or disposed of through nominees.
Amount

The amount is based on the average gross monthly household income assessed over for the months worked during the 12-month period before the flat application. The incomes of all working persons in the household (including applicants and occupiers) are included in the assessment. Families with lower household incomes will receive a bigger grant amount.

Examples

First-timer couples

For fiancé/ fiancée and married couples.

New flat

Mr and Mrs A applied for a 3-room flat in Punggol from HDB in November 2021.

Details of Mr and Mrs A
Citizenship Mr and Mrs A are both Singapore Citizens (SCs)
Household status First-timers

Employment

(Working in:
  • November 2020 to October 2021; and
  • November 2021)

Mr A has not been working.

Mrs A has been working since November 2020, and her average gross monthly income for the 12 months worked between November 2020 and October 2021 was $4,200.
Average household monthly income $4,200
Details of housing grant
EHG amount $50,000
Disbursement to CPF Ordinary Account Mr and Mrs A will each receive an EHG of $25,000.

Resale flat

Example 1

Mr and Mrs B applied to buy a 4-room resale flat in Tampines in November 2021.

Details of Mr and Mrs B
Citizenship Mr and Mrs B are both SCs
Household status First-timers

Employment

(Working in:
  • November 2020 to October 2021; and
  • November 2021)

Mr B has been working since November 2020, and his average gross monthly income for the 12 months worked between November 2020 and October 2021 was $2,300.

Mrs B worked only in January to March 2021, and her average gross monthly income for the 3 months worked was $2,100.
Average household monthly income $4,400
Details of housing grants
Family Grant amount $50,000
EHG amount $50,000
Disbursement to CPF Ordinary Account Mr and Mrs B will each receive a Family Grant of $25,000 and an EHG of $25,000.

Example 2

Mr and Mrs C applied to buy a 5-room resale flat in Hougang in November 2021.

Details of Mr and Mrs C
Citizenship Mr and Mrs C are both SCs
Household status First-timers

Employment

(Working in:
  • November 2020 to October 2021; and
  • November 2021)

Mr C was not working between November 2020 and July 2021. He has been working since August 2021, drawing an average gross monthly income of $2,000.

Mrs C worked in December 2020 to February 2021 with an average gross monthly income of $1,800. She has ceased working.

Both applicants did not work continuously for a 12-month period prior to the flat application.
Average household monthly income Not used for EHG assessment as none of the applicants met the 12-month continuous employment condition.
Details of housing grants
Family Grant amount $40,000
EHG amount Not eligible
Disbursement to CPF Ordinary Account Mr and Mrs C will each receive a Family Grant of $20,000.

First-timer and second-timer couples

For fiancé/ fiancée and married couples.

New flat

Mr and Mrs D applied for a 4-room flat in Punggol from HDB in November 2021.

Details of Mr and Mrs D
Citizenship Mr and Mrs D are both SCs
Household status Mr D is a first-timer and Mrs D is a second-timer

Employment

(Working in:
  • November 2020 to October 2021; and
  • November 2021)

Mr and Mrs D have been working since November 2020. Their average gross monthly household income for the 12 months worked between November 2020 and October 2021 was $4,000.
Average monthly income $4,000

Assessed household income for EHG (Singles)

(half of average household income)

 $2,000
Details of housing grant
EHG (Singles) amount $27,500
Disbursement to CPF Ordinary Account Mr D, the first-timer SC applicant, will receive an EHG (Singles) of $27,500.

Resale flat

Mr and Mrs E applied to buy a 4-room resale flat in Tampines in November 2021.

Details of Mr and Mrs E
Citizenship Mr and Mrs E are both SCs
Household status Mr E is a second-timer and Mrs E is a first-timer

Employment

(Working in:
  • November 2020 to October 2021; and
  • November 2021)

Mr E has been working since November 2020, and his average gross monthly income for the 12 months worked between November 2020 and October 2021 was $2,300.

Mrs E worked only in January to May 2021, and her average gross monthly income for the 5 months worked was $2,100.
Average monthly income $4,400

Assessed household income for EHG (Singles)

(half of average household income)

 $2,200
Details of housing grants
Family Grant amount $25,000
EHG (Singles) amount $25,000
Disbursement to CPF Ordinary Account Mrs E, the first-timer SC applicant, will receive a Family Grant of $25,000 and an EHG (Singles) of $25,000.