CPF Housing Grants for DBSS Flats

If you are a Singapore Citizen (SC), you may be eligible for 1 of the following:

Family Grant of up to $50,000
Half-Housing Grant of up to $25,000
Singles Grant of up to $25,000

Grant Type

Family Grant

Half-Housing Grant

Singles Grant

Flat Type Applied For

DBSS flat from a developer

Condition

Age

21 years old or above when submitting the flat application

35 years old or above when submitting the flat application

Previous Housing Subsidies

All applicants are first-timers

You are a first-timer, and your spouse/ fiancé(e) is a second-timer who has only received 1 housing subsidy

All applicants are first-timers

Family Nucleus

Married couple
Fiancé/Fiancée couple
Widowed/divorced with children under legal custody, care and control^#

^#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 contact us via our e-Feedback Form.

Married couple
Fiancé/ Fiancée couple

Single orphan with unmarried siblings
Single child with parent(s)

Grant Amount

Household

Buying 2- to 4-room DBSS Flat

Buying 5-room or Bigger DBSS Flat

SC/ SC

$50,000

$40,000

SC/ SPR

$40,000

$30,000

Half of the Family Grant

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

A first-timer household may be eligible for 1 of the following:

EHG of up to $80,000 for Family
EHG of up to $40,000 for Singles

EHGs are available for eligible first-timer households where at least 1 applicant has worked continuously for 12 months prior to the DBSS flat application, and is still working when the DBSS flat application is submitted.

Grant Type		EHG (Family)	EHG (Singles)
Conditions	Income Ceiling	$9,000	Half of the average monthly household income does not exceed $4,500. This applies to: Couple comprising a first-timer and a second-timer (FT/ ST couple) Orphans Scheme Single child living with parents
	Age	21 years old or above when submitting the flat application	FT/ ST couple: 21 years old or above when submitting the flat application Orphans Scheme: 35 years old or above when submitting the flat application Single child living with parents: the single child must be 35 years old or above when submitting the flat application
	Previous Housing Subsidies	All applicants are first-timers	FT/ ST couple: 1 first-timer, and the second-timer has only received 1 housing subsidy Orphans Scheme: All applicants are first-timers Single child living with parents: All applicants are first-timers
	Employment	At least 1 applicant is employed when submitting the flat application, and has been continuously employed for the 12 months prior to the flat application
	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.
Grant Amount		Up to $80,000, depending on household income	Up to $40,000, depending on household income

Proximity Housing Grant (PHG)

The PHG helps families who want to buy a DBSS flat to live with or near their parents, or child. Eligible singles will also enjoy the PHG if they buy a DBSS flat to live with or near their parents'. The PHG is applicable to both first-timers and second-timers.

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Assistance for

Family - Married/ engaged couples or families who are buying a DBSS flat to live with or near their parents/ child
Singles - Singles buying a DBSS flat to live with or near their parents

Amount

	To live with parents/ child	To live within 4km of family
Families	$30,000	$20,000
Singles	$15,000	$10,000

Recipient may also be eligible for

CPF Housing Grant for Family
CPF Housing Grant for Singles
Enhanced CPF Housing Grant

Eligibility

First-timer and second-timer DBSS flat buyers can apply for the PHG if they meet the following conditions:

Citizenship	You are a Singapore Citizen. Family Your family nucleus must comprise at least another Singapore Permanent Resident or Singapore Citizen. Singles At least one of your parents or child must be a Singapore Permanent Resident or Singapore Citizen.
Age	Family You must be aged 21 years or above. Singles You must be aged 35 years or above.
Family Nucleus	Family You are applying with your: spouse and children (if any), or fiancé(e) (must be able to submit a copy of your marriage certificate, latest by the date of completion of the flat purchase), or children under your legal custody, care and control (if widowed or divorced) Singles You are applying under any of the following schemes: Public Scheme Orphan Scheme
Household Status	You have not received the PHG previously.
Proximity condition*	Family Your parents/ child are: included as joint buyers or occupiers of the DBSS flat you are buying owners/registered occupiers of their flat or the registered tenants/occupiers of their HDB rental flat, which is within 4 km of the DBSS flat you are buying owner-occupiers of the private residential property which is within 4 km of the DBSS flat you are buying occupiers of the private residential property owned by your parents/ child’s immediate family member (i.e. defined as the child or adopted child, parent(s) or parent(s)-in-law, or siblings) Do note that if your parents or child own more than one property, the property which they reside in will be used for the proximity reference. Singles Your parents are: included as joint buyers or occupiers of the DBSS flat you are buying owners/registered occupiers of their flat or the registered tenants/occupiers of their HDB rental flat, which is within 4 km of the DBSS flat you are buying owner-occupiers of the private residential property which is within 4 km of the DBSS flat you are buying occupiers of the private residential property owned by your parents' immediate family member (i.e. defined as the child or adopted child, parent(s) or parent(s)-in-law, or siblings) Do note that if your parents own more than one property, the property which they reside in will be used for the proximity reference.

*Check with the developer of the DBSS projects that you are interested in

To be considered a first-timer, you must not:

Be the owner of a flat bought from HDB
Have sold a flat bought from HDB
Have taken the CPF Housing Grant to buy an Executive Condominium (EC) unit, DBSS flat or an HDB resale flat, or taken over ownership of such a flat or EC unit
Have transferred the ownership of a flat bought directly from HDB, or an HDB resale flat bought with a CPF Housing Grant
Have taken other forms of housing subsidies, such as the Selective En bloc Redevelopment Scheme benefits or privatisation of HUDC estates

Family Grant

The grant amount received depends on your household’s citizenship.

Grant Type	Amount
Grant Type	SC/ SC Household	SC/ SPR Household
Family Grant	$50,000	$40,000

Citizen Top-Up (for SC/SPR households)

You can apply for the Citizen Top-Up of $10,000 when a qualifying member of your SC/ SPR household obtains Singapore citizenship. You need to submit your application to HDB within 6 months of being eligible for it.

Half-Housing Grant

You can apply for the Half-Housing Grant if you are an eligible first-timer SC applicant who:

Has an SC/ SPR spouse or fiancé/ fiancée who is a second-timer
Otherwise meets all the eligibility conditions for the Family/ Higher-tier Grant

Grant Type

Amount

Half-Housing Grant

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

Singles Grant

Grant Type

Amount

Singles Grant (Single orphans buying under the Orphan Scheme)

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

EHG for Family

The EHG amount received depends on the average gross monthly household income for the 12 months prior to you submitting your flat application. Applicants with lower household incomes will receive a larger 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.

EHG for Singles

The EHG for Singles is available to eligible:

FT/ ST couples
Orphans Scheme applicants
Singles living with their parents

The grant amount received depends on the average gross monthly household income (halved) for the 12 months prior to the submission of your flat application. Households with lower incomes will receive a larger grant amount.

*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.

PHG

	To live with parents/ child	To live within 4km of family
Families	$30,000	$20,000
Singles	$15,000	$10,000

If you are also applying for the EHG, please remember to bring the necessary income documents (see below) for the 12 months prior to your flat application.

Type of Applicants	Distribution of Grant
Sole SC applicant	Full grant
Joint SC applicants (husband and wife)	Half of the full grant each
First-timer/ Second-timer couple (FT/ ST)	Full grant given to the SC first-timer, who must be a co-applicant
Multi-nuclei SC applicants, such as Married siblings with their respective spouses Parents and married child	Grant given only to a maximum of 2 applicants who are husband and wife

The CPF housing grants can be used to:

Offset the balance downpayment for the DBSS flat
Reduce the mortgage loan for the DBSS flat purchase

The grant cannot be used for the minimum cash downpayment (if any) and monthly mortgage instalment payments.

If you are buying the DBSS flat with a bank loan, the grant will also be included in the computation of withdrawal of CPF savings (up to applicable limits).

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	Latest Notice of Assessment (NOA) from IRAS Or Statement of Annual Accounts certified by an audit firm And Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) 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	Latest NOA from IRAS 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 you receive regular payment for work conducted for the educational institute as required, during your full-time studies. E.g. you conduct teaching/ research work for the educational institute, as required in the contract for the payments 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 received on a regular basis for work conducted for the educational institute, during full-time studies

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

Example 1 (Family Grant and EHG for Family)

Mr and Mrs A (both Singapore Citizens) are first-timers who have booked a 4-room DBSS flat from a developer on 11 September 2019. Their gross monthly household income at the time of application was $4,000. They had also been continuously employed for the past 12 months prior to their application, and drew an average gross monthly household income of $3,500 for that 12-month period.

Grant Type		Family Grant	EHG for Family
Conditions	Income Ceiling	$14,000	$9,000
	Previous Housing Subsidies	First-timer couple with no previous housing subsidies
	Employment	–	Applicants are continuously employed for the past 12 months, and are still employed at the time of flat application
Grant Amount		$50,000 (Family Grant) + $60,000 (EHG for Family) = $110,000
Disbursement of Grant		Mr N receives $55,000 Mrs N receives $55,000

Housing & Development Board