Eligible first-timer applicants can apply for the Family Grant and the Enhanced CPF Housing Grant (EHG). Those who are buying a resale flat to live with or near their parents or child can also apply for the Proximity Housing Grant.
Married/ engaged couples or families who are first-timer applicants buying an HDB resale flat
Enhanced CPF Housing Grant
Citizen Top-Up (for SC/SPR household)
Singapore Citizen and at least another Singapore Citizen or Singapore Permanent Resident
At least 21 years old
You must form a family nucleus with one of the following groups. Your:
#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.
You and your spouse/ fiancé(e) (or child, for widowed/divorced applicants) must be first-timer applicants, meaning that both of you must meet the following criteria:
Your average gross monthly household income must not exceed:
All applicants and occupiers listed in the flat application:
The income ceiling for an extended family is set at a higher level of $21,000 to encourage and help parents and working children to live together in the same flat for mutual care and support. It is calculated using the combined income of 2 groups in the extended family.
* Includes widow/ widower or divorcee
^ Includes applicants applying under the Fiancé/Fiancée Scheme
A married couple and their 3 working children wish to buy a resale flat. Individually, their average gross monthly income is:
Their average gross monthly income as an extended family thus works out as:
Group A: $13,000
Group B: $7,000
Total = $20,000
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)
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
Enhanced CPF Housing Grant (EHG)
First-timer flat buyers who qualify for the Family Grant may also benefit from the Enhanced CPF Housing Grant (EHG) of up to $80,000.
$5,000 to $80,000
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 resale application (see example 1 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 the 12 months prior to the resale application
• Still be working at the time you submitted the resale 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.
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
You will not be considered as employed for all other work done during full-time studies.
Mr and Mrs A (both SCs) are a first-timer couple. They submitted their resale application to buy a 4-room flat in Tampines in end September 2019, and they are eligible for the Family 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 and they would be given an EHG of $50,000.
Mr and Mrs B (both SCs) are a first-timer couple. They submitted a resale application to buy a 5-room flat in Tampines in end September 2019, and they are eligible for the Family Grant.
Mr B was not working between September 2018 and July 2019. Nevertheless, he has been working since August 2019, drawing an average gross monthly income of $2,000.
Mrs B worked in December 2018 to February 2019 with an average gross monthly income of $1,800. However, she has not been working since March 2019.
Mr and Mrs B are not eligible for the EHG as none of them has worked continuously for a 12-month period prior to their resale application.
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.