If the spouse/ fiancé(e) of the first-timer applicant has previously taken a Singles Grant or bought a 2-room BTO flat in a non-mature estate as a single, the couple may apply for the Top-Up Grant and/or the EHG for their existing flat or when they next buy a resale flat.
The Half-Housing Grant amount is half of the Family Grant that you and your spouse/ spouse-to-be would qualify for if both of you were first-timer applicants.
Half-Housing Grant Amount
$50,000 Family Grant for SC/ SC Household
You must form a family nucleus with one of the following groups.
These are some examples on how the Top-Up Grant amount is determined and distributed. They are based on the following grant amounts:
Family Grant for SC/ SC household
Family Grant for SC/ SPR household
Spouse A and Spouse B are Singapore Citizens buying a 4-room resale flat. Spouse A has previously received a Singles Grant of $15,000. Spouse B has not. The couple’s Top-Up Grant will be as follows:
Previously Received Singles Grant
Eligible Family Grant
Spouse A (SC owner)
(Family Grant for SC/ SC household)
Spouse B (SC owner)
Spouse A has previously received a Singles Grant of $15,000. Spouse B is an SPR. They are buying a 4-room resale flat. The couple’s Top-Up Grant will be as follows:
(Family Grant for SC/ SPR household)
Spouse B (SPR owner/ occupier)
For your flat application, you and the other applicants and essential occupiers will need to get ready the following documents for our verification:
Aside from the above documents, we may also request other documents for verification if needed.
Nature of Employment
Documents to Submit
Note: If your income includes allowances, we will require 6 months’ payslips preceding the month of application.
Assessment is based on the average gross monthly income
The undertaking for applicants/occupiers to affirm their average gross monthly income will be sent to applicants via email (if required).
Odd job worker
Unemployed person (between 18 to 62 years old)
Income/ allowance that will be considered for income assessment
Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
Income from ad hoc overtime work
Interest from deposit accounts
National Service Allowance
Scholarship overseas allowance
Overseas cost of living allowance
Applicants who qualify for the Half Housing Grant or Top-Up Grant may also benefit from the Enhanced CPF Housing Grant (EHG) for Singles of up to $40,000.
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 resale application (see example 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.
You or your spouse/ fiancé(e) must:
• Have worked continuously for 12 months prior to the resale application
• Still be working at the time you submitted the resale application
Buying the flat under:
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.
You can get a flat lease’s details with our HDB Map Services
As eligibility for the EHG is based on 12 months of employment, these are the income guidelines when applying for this grant. Aside from these mentioned documents, we may also request other documents for verification, if needed.
Part-time worker/ Commission-based person
And (for commission-based person)
Full-time student receiving stipends
Mr and Mrs A (both SCs) are an FT/ ST couple; Mr A is a second-timer who had previously bought a subsidised HDB flat, whereas Mrs A is a first-timer. They submitted their resale application for a 4-room flat in Tampines in end September 2019. They are eligible for the half housing grant.
Mr A 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 A worked only in October to December 2018, and her average gross monthly income for the 3 months worked was $2,100.
Mr and Mrs A’s average gross monthly household income would be $4,400. Their assessed household income for the EHG is $2,200 and the EHG amount of $25,000 will be disbursed solely to Mrs A, the first-timer SC applicant.
Find out more about the streamlined resale process with the HDB Resale Portal.
We have different eligibility schemes under which you can buy an HDB resale flat.
Here are some resources to help you plan your finances before your flat purchase.