Residential
The Citizen Top-Up is a $10,000 housing subsidy that is given to eligible Singapore Citizen/Singapore Permanent Resident (SC/SPR) households when a qualifying household member becomes a Singapore Citizen.
It is available to any of the following SC/SPR households who have:
It is only distributed to:
An SC/SPR household will qualify for the Citizen Top-Up in any of these instances:
* Conversion of sibling to SC to qualify for the Citizen Top-Up applies only to flats purchased under the Orphans Scheme and Non-Citizen Spouse Scheme.
You must submit your application within 6 months of being eligible for the Citizen Top-Up.
You can apply for your Citizen Top-Up via this e-Service.
Please note that the Citizen Top-Up can only be used for approved purposes, and that there are further conditions that apply when it is distributed. You may also like to view our sample computations to see who receives the Citizen Top-Up in different scenarios.
The Citizen Top-Up of $10,000 is credited to your or your spouse's CPF Ordinary Account. It can only be used for the purposes detailed below:
If you are paying off a housing loan from HDB
If you are paying off a housing loan from a bank
If you have no mortgage loan, or there is a balance amount after using the CPF Top-Up to make a full redemption of the mortgage loan
The unused Citizen Top-Up amount
Please take note that these conditions will take effect after you or your spouse has received the Citizen Top-Up:
Should you sell the flat/ EC, all the CPF money you have used (including the Citizen Top-Up) is to be returned to your or your spouse's CPF Ordinary Account according to the CPF Board's rules and regulations.
The new SC parent/ child/ sibling who qualified you to receive the Citizen Top-Up will have to physically and continuously occupy the flat/ EC for the duration of the remaining Minimum Occupation Period (MOP)
You will need to occupy the flat/ EC for a minimum period of 5 years (from the date of key collection for HDB flats, or from the date of issue of the Temporary Occupation Permit for ECs) before you are allowed to do any of the following:
Spouse A (SC) and Spouse B (SPR) are applicants/ owners. They previously paid a premium of $10,000 when they bought their flat from HDB. They apply for the Citizen Top-Up when Spouse B becomes an SC. The distribution will be as follows:
Family Nucleus
Citizenship
Citizen Top-Up
Spouse A (applicant/ owner)
SC
$0
Spouse B (applicant/ owner)
$10,000
Spouse A (SC) is the applicant/ owner while Spouse B (SPR) is the occupier of the flat. They received a CPF Housing Grant for Family which was $10,000 lesser than an SC/SC household when they bought their resale flat. They apply for the Citizen Top-Up when Spouse B becomes an SC. The distribution will be as follows:
Spouse B (occupier)
Spouse A (SC) is the applicant/ owner while Spouse B (Non-Citizen) is the occupier of the flat. Their SPR parent is listed as an occupier. They received a CPF Housing Grant for Family which was $10,000 lesser than an SC/SC household when they bought their resale flat. They apply for the Citizen Top-Up upon the birth of their SC child. The distribution will be as follows:
Non-Citizen
Parent (occupier)
SPR
Child (occupier)
Spouse A (SC) and Spouse B (SPR) are the applicants/ owners. They received a CPF Housing Grant for Family which was $10,000 lesser than an SC/SC household when they bought their DBSS flat. They apply for the Citizen Top-Up when their SPR child becomes an SC. The distribution will be as follows:
