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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.
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.
You and/ or your fiancé(e)/ spouse must:
^ For young couples buying a flat from HDB, find out if you are eligible for the deferred income assessment.
For first-timer households:
For first-timer and second-timer couple applicants:
All applicants and occupiers listed in the flat application:
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:
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.
For fiancé/ fiancée and married couples.
Mr and Mrs A applied for a 3-room flat in Punggol from HDB in 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.
Mr and Mrs B applied to buy a 4-room resale flat in Tampines in 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.
Mr and Mrs C applied to buy a 5-room resale flat in Hougang in 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.
Mr and Mrs D applied for a 4-room flat in Punggol from HDB in 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.
Assessed household income for EHG (Singles)
(half of average household income)
Mr and Mrs E applied to buy a 4-room resale flat in Tampines in 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.
Plan your finances and understand the different housing loan options.
Find out more about the types of HDB flats available for sale and design features of new flats.
Get started with your flat purchase by finding out about the buying process of a flat from HDB.
Understand and follow the resale procedures to ensure a smooth flat buying journey. Find out more about the process before committing to a flat purchase.