Joint Singles Scheme or Orphans Scheme

For flat applications received from Sep 2019 sales launch onwards:

Single Singapore Citizens (SCs) who are 35 years old or above may be eligible for the Enhanced CPF Housing Grant (EHG) if they are applying for:

• A new 2-room Flexi flat in a non-mature estate under the Joint Singles Scheme
• A flat (regardless of flat type) under the Orphans Scheme

Calculation of grant amount

The EHG amount is based on the average gross monthly household income assessed over the months worked during the assessment period, i.e. a 12-month period prior to the date of your flat application (see example 2 below). The incomes of all working persons in the household (i.e. applicants and occupiers) are included in the assessment. Applicants with lower household incomes will receive a larger grant amount.

For flat applications received before Sep 2019 sales launch:

The Additional CPF Housing Grant (AHG) or Special CPF Housing Grant (SHG) may be eligible for single Singapore Citizens (SCs) who are 35 years old or above and applying for:

• A new 2-room Flexi flat in a non-mature estate under the Joint Singles Scheme
• A flat (regardless of flat type) under the Orphans Scheme

^# Buyers of 2-room Flexi flats on short lease (15 to 45 years) are eligible for the AHG and SHG (if the flat is in a non-mature estate). The grant amount will be adjusted according to the lease chosen.

Calculation of grant amount

The AHG and/or SHG amount is based on the average gross monthly household income assessed over the months worked during the assessment period, i.e. a 12-month period prior to the date of your flat application. The incomes of all working persons in the household (i.e. applicants and occupiers) are included in the assessment.  Applicants with lower household incomes will receive a larger grant amount. See examples below.

Check if you are a first-timer applicant

You will be considered as a first-timer applicant if you have not received any housing subsidy from HDB, which means that 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 unit, Design, Build, and Sell Scheme (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 under the CPF Housing Grant Scheme
• Have ever taken other forms of housing subsidy, such as Selective En bloc Redevelopment Scheme benefits or HUDC estate privatisation

How to apply

Under the Joint Singles Scheme: If you are eligible for the EHG or AHG and/ or SHG, please download the EHG application form or AHG/ SHG application form and submit it to HDB during your flat booking appointment.

Under the Orphans Scheme: If eligible, please download the EHG application form or AHG application form or AHG/ SHG application form and submit it to us during your flat booking appointment.

When you attend the flat booking appointment, please remember to bring the necessary income documents (see below) for the 12 months prior to your flat application.

Disbursement

The CPF housing grants are fully credited into the CPF Ordinary Accounts of eligible SC applicants. No cash is disbursed.

Usage

CPF housing grants can be used to:

• Offset the purchase price of the flat
• Reduce the mortgage loan for the flat purchase

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

If you are buying the flat with a bank loan, the grants will also be included in the computation of the CPF withdrawal limit

Income documents

The income documents you are required to bring for your flat booking appointment depend on your nature of employment. We may also request further documentation if needed.

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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

Examples of EHG

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Example 1

Ms A and Ms B are first-timers aged above 35. They applied for a new 99-year lease 2-room Flexi flat in Punggol under the Joint Singles Scheme in September 2019. They have been working continuously for the past 12 months, drawing an average gross household income of $4,000.

Grant Type		EHG
Flat Type Applied For		2-room Flexi flat in a non-mature estate
Conditions	Income Ceiling	$9,000
	Age	Ms A and Ms B are above 35
	Previous Housing Subsidies	Ms A and Ms B are first-timers
	Employment	Ms A and Ms B have been working continuously for the past 12 months, and were still working at the time of their flat application
	Remaining Lease of Flat	≥ 20 years
Grant Amount		$55,000
Disbursement of Grant		Ms A receives $27,500 Ms B receives $27,500

Ms A and Ms B will receive $27,500 each in grants (EHG).

How the EHG helps Ms A and Ms B in purchasing the 2-room Flexi flat

• EHG amount: $55,000
• Total CPF savings: $40,000
• Monthly contribution to CPF Ordinary Account: $840

	Without EHG	With EHG
Purchase Price of a 99-year lease 2-room Flexi flat (A)	$100,000	$100,000
10% downpayment (B) Pay by EHG Pay by CPF savings	N/A $10,000	$10,000 N/A
Balance Purchase Price (C = A - B)	$90,000	$90,000

Balance EHG and CPF Savings (D)
Balance EHG	N/A	$45,000
Balance CPF savings	$30,000	$40,000

Mortgage Loan Required (C - D)	$50,000	$5,000
Monthly loan instalment over 25 years repayment period	$227	$23
Monthly loan instalment paid with CPF contribution	$227	$23
Monthly loan instalment paid in cash	Nil	Nil

The EHG helps reduce the loan amount required, along with the monthly loan instalment.

Example 2

Mr M and Mr N (both SCs) are first-timer aged above 35. They applied for a 2-room Flexi BTO flat in Punggol in September 2019.

Mr M has been working continuously since September 2018, and his average gross monthly income for the 12 months worked from September 2018 to August 2019 was $2,300.

Mr N worked only in October to December 2018, and his average gross monthly income for the 3 months worked was $2,100.

Mr M and Mr N’s average gross monthly household income would be $4,400 and they would be given an EHG of $50,000 ($25,000 each).

Example 3

Mr H (SC) and Mr I (SC) are first-timers aged above 35, and applied for a new 2-room Flexi flat in Punggol under the Joint Singles Scheme in September 2019.

Mr H was not working between September 2018 and March 2019. Nevertheless, he has been working since April 2019, drawing an average gross monthly income of $2,000.

Mr I worked in September 2018 to March 2019 with an average gross monthly income of $1,800. However, he has not been working since April 2019.

Mr H and Mr I are not eligible for the EHG, as none of them has worked continuously for a 12-month period prior to their flat application.

Example 4

Mr E (SC), Mr F (SC), and Mr G (SC) are siblings. They are all first-timers aged above 35, and applied for a 3-room Build-To-Order flat in Punggol under the Orphans Scheme in September 2019. They have been working continuously for the past 12 months and draw an average gross monthly household income of $3,000.

Grant Type		EHG
Flat Type Applied For		3-room flat in a non-mature estate
Conditions	Income Ceiling	$9,000
	Age	All applicants are above 35
	Previous Housing Subsidies	All applicants have no previous housing subsidies
	Employment	All applicants have been working continuously for the past 12 months, and were still working at the time of flat application
	Remaining Lease of Flat	≥ 20 years
Grant Amount		$65,000
Disbursement of Grant		Mr E receives $32,500 Mr G receives $32,500

Among themselves, the 3 applicants are to choose which 2 are to receive the total grant of $65,000 (EHG). The 2 recipients will each receive $32,500.

How the EHG help the siblings in purchasing the 3-room flat

• EHG amount: $65,000
• Total CPF savings: $21,000
• Monthly contribution to CPF Ordinary Account: $690

	Without EHG	With EHG
Purchase Price of a 3-room flat (A)	$170,000	$170,000
10% downpayment (B) Pay by EHG Pay by CPF savings	N/A $17,000	$17,000 N/A
Balance Purchase Price (C = A - B)	$153,000	$153,000

Balance EHG and CPF Savings (D)
Balance EHG	N/A	$48,000
Balance CPF savings	$4,000	$21,000

Mortgage Loan Required (C - D)	$149,000	$84,000
Monthly loan instalment over 25 years repayment period	$676	$382
Monthly loan instalment paid with CPF contribution	$676	$382
Monthly loan instalment paid in cash	Nil	Nil

The EHG helps reduce the loan amount required, along with the monthly loan instalment.