Eligible first-timers aged 35 and above may receive:
Single applicants aged 35 or above who buy an HDB resale flat under any of these schemes:
Recipient May Also Be Eligible For
Enhanced CPF Housing Grant for Singles
Recipient May Later Be Eligible For
Buying 2- to 4-room Resale Flat
Buying 5-room or Bigger Resale Flat
Buying with other single(s) under the Joint Singles Scheme or Orphans Scheme (Maximum of 2 Singles Grants)
$25,000 x 2
$20,000 x 2
Note: * First-timer singles buying a 2- to 5-room resale flat are eligible for the grant.
At least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes:
At least one of the persons buying the resale flat must be a first-timer applicant to receive the housing grant.
You will be considered a first-timer applicant if you have not received any housing subsidy from HDB. This means you must meet the following criteria:
Your average gross monthly household income must not exceed $14,000
Remaining Lease of Flat
Ownership/ Interest in Property
All applicants and occupiers listed in the flat application:
Cancellation of Application After Booking a Flat
If you book a flat from the March 2012 sales exercise onwards and subsequently cancel the flat booking, you will have to meet a one-year period from the date of cancellation before you can apply or be included as an essential occupier for a resale flat with CPF Housing Grant.
Ali is a single Singapore Citizen aged 40. His monthly salary is $2,800. He is buying a 3-room HDB resale flat under the Single Singapore Citizen Scheme.
Wing Yong is 37 years old with a monthly salary of $2,400. Heng Chong is 35 years old with a monthly salary of $3,000. Soon Meng is 36 years old with a monthly salary of $2,500. They are all Singapore Citizens and want to jointly buy an HDB 4-room resale flat under the Joint Singles Scheme.
Kent is a 28-year-old Singapore Citizen with a monthly salary of $5,000. He is married to Sally, an Australian citizen holding a social visit pass valid for 1 year. She is a housewife and not drawing an income. They are buying an HDB 4-room resale flat under the Non-Citizen Spouse Scheme.
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
Applicants who qualify for the Singles Grant may also benefit from the Enhanced CPF Housing Grant of up 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 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.
You must first meet all of the eligibility conditions for the Singles Grant and satisfy these conditions:
You and/ or your co-applicant(s) must:
• Have worked continuously for 12 months prior to the resale application
• Still be working at the time you submitted the resale application
The average gross monthly household income (including applicants and occupiers) for the months worked during the 12 months before the flat application must not exceed $9,000
20 years or more.
Flat must have sufficient lease to cover the youngest buyer 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
Ms A and Ms B are first-timers aged above 35. They submitted their resale application to buy a 3-room flat in Punggol under the Joint Singles Scheme in end September 2019. They are also eligible for the Singles Grant.
They have been working continuously for the past 12 months, drawing an average gross household income of $4,000.
Ms A and Ms B would be given an EHG of $27,500 of EHG each.
Mr M and Mr N (both SCs) are first-timer aged above 35. They submitted their resale application to buy a 3-room flat in Punggol under the Joint Singles Scheme in end September 2019. They are also eligible for the Singles Grant.
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 $25,000 each.
Mr H (SC) and Mr I (SC) are first-timers aged above 35, and submitted their resale application to buy a 3-room flat in Punggol under the Joint Singles Scheme in end 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 resale application.
Find out more about the streamlined resale process with the introduction of the new 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.
It is important to understand the resale procedures. Read about the details in the following sections.