Non-Citizen Spouse Scheme

For flat applications received from September 2019 sales launch onwards:

When applying for a flat under the Non-Citizen Spouse Scheme (NCS), you may be eligible for the following Enhanced CPF Housing Grant (EHG) (Singles).

Income Ceiling

Half of your average gross monthly household income for the months worked during the 12 months before your flat application must not exceed $4,500

Employment

You or your spouse must:

  • Have worked continuously for 12 months prior to the flat application
  • Still be working at the time you submitted the flat application
Remaining Lease of Flat

20 years or more

Flat must have sufficient lease to cover the youngest buyer and spouse to the age of 95 to qualify for the full EHG. Otherwise, the EHG will be pro-rated. 
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 new flat application:
    • Private residential property (including privatised HUDC flats and ECs)
    • House
    • Building
    • Land

Grant Amount

Up to $40,000, depending on household income

Calculation of grant amount

The EHG (Singles) amount is based on the average gross monthly household income (halved) 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. Families with lower household incomes will receive a larger grant amount.
 

Half of the Average Monthly Household Income
EHG (Singles) 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

 

For flat applications received before September 2019 sales launch:

When applying for a flat under the Non-Citizen Spouse Scheme (NCS), you may be eligible for the following CPF Housing Grants:

  • Additional CPF Housing Grant (AHG) (Singles)
  • Special CPF Housing Grant (SHG) (Singles)

Grant Type

AHG (Singles)

SHG (Singles)

Flat Type Applied For

2-room Flexi flat in a non-mature estate

Conditions

Income Ceiling

Half of the average monthly household income is within $2,500

From November 2015 sales launch

  • Half of average monthly household income for the 12 months prior to flat application date is within $4,250

Employment

You or your spouse must:

  • Have worked continuously for 12 months prior to the flat application
  • Still be working at the time you submitted the flat application
Remaining Lease of Flat 30 years or more#
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 new flat application:
    • Private residential property (including privatised HUDC flats and ECs)
    • House
    • Building
    • Land

Grant Amount

Up to $20,000, depending on household income

Up to $20,000, depending on household income

# 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 (Singles) and/or SHG (Singles) amount is based on the average gross monthly household income (halved) 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.  Families with lower household incomes will receive a larger grant amount. See examples below.
 

Half of Average Monthly Household Income

AHG (Singles) Amount
SHG (Singles) Amount
 Total
From November 2015 to May 2019 Sales launch From November 2015 to May 2019 Sales launch

Up to $750

$20,000

 $20,000 $40,000

$751 to 1,000

$17,500

 $20,000 $37,500

$1,001 to 1,250

$15,000

 $20,000 $35,000

$1,251 to 1,500

$12,500

 $20,000 $32,500

$1,501 to 1,750

$10,000

 $20,000 $30,000

$1,751 to 2,000

$7,500

 $20,000 $27,500

$2,001 to 2,250

$5,000

 $20,000 $25,000

$2,251 to 2,500

$2,500

 $20,000 $22,500

$2,501 to 2,750

Nil

 $17,500 $17,500

$2,751 to 3,000

Nil

 $15,000 $15,000

$3,001 to 3,250

Nil

 $12,500 $12,500
$3,251 to 3,500

Nil

 $10,000 $10,000
$3,501 to 3,750

Nil

 $7,500 $7,500
$3,751 to 4,000

Nil

 $5,000 $5,000
$4,001 to 4,250

Nil

 $2,500 $2,500

 

How to apply

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

When you come for 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 will be fully credited into the CPF Ordinary Account of the Singapore Citizen (SC) first-timer. 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 grant 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 grant 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.

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

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 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

Example 1

Mr M (SC) is a first-timer above 35 years old. He applied for a 2-room Flexi BTO flat in Punggol under the NCS in September 2019. He has not been working for the past 12 months.

However, his spouse, Mrs M (a non-resident), has been working for the past 12 months, drawing an average gross monthly income of $4,000. Their assessed household income for the EHG (Singles) is $2,000 (i.e. half of $4,000).

Grant Type

EHG (Singles)

Flat Type Applied For

2-room Flexi flat in a non-mature estate

Conditions

Income Ceiling

$4,500 

Marital Status and Age

Mr and Mrs M are married, and Mr M is above 35

Previous Housing Subsidies

First-timer couple with no previous housing subsidies

Employment

Mrs M has been working continuously for the past 12 months, and was still working at the time of their flat application

Remaining Lease of Flat

≥ 20 years

Grant Amount

$27,500

Disbursement of Grant

Mr M receives $27,500

The total grant amount of $27,500 (EHG (Singles) will be fully disbursed to Mr M, the sole SC applicant.

How the EHG (Singles) help the couple in buying the 2-room Flexi flat

  • EHG (Singles) amount: $27,500
  • Monthly contribution to CPF Ordinary Account: $460
  • Total CPF savings: $20,000

 

Without EHG (Singles)

With EHG (Singles)

Purchase Price of a 2-room Flexi flat (A)

$115,000

$115,000

10% downpayment (B)

  1. Pay by EHG (Singles)

  2. Pay by CPF savings

 

N/A

$11,500

 

$11,500

N/A

Balance Purchase Price (C = A - B)

$103,500

$103,500

Balance EHG (Singles) and CPF Savings (D)

Balance EHG (Singles)

N/A

$16,000

Balance CPF savings

$8,500

$20,000

Mortgage Loan Required (C - D)

$95,000

$67,500

Monthly loan instalment over 25 years repayment period

$413

$307

Monthly loan instalment paid with CPF contribution

$413

$307

Monthly loan instalment paid in cash

Nil

Nil

The EHG (Singles) help to reduce the loan amount required, along with the monthly loan instalment.

Example 2

Mr B (SC) and Mrs B (non-resident) are a first-timer couple. They applied for a 2-room Flexi BTO flat in Punggol in September 2019.

Mr B 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.

Mrs B worked only in October to December 2018, and her average gross monthly income for the 3 months worked was $2,100.

Mr and Mrs B’s average gross monthly household income would be $4,400. Their assessed household income for the EHG (Singles) is $2,200 and the EHG (Singles) amount of $25,000 will be disbursed to Mr B, the sole SC applicant.

 

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