FIRST TIMER APPLICANTS

CPF housing grant for  eligible First-Timer Applicants can apply for the Family Grant or Additional CPF Housing Grant (AHG).  Those who are buying a HDB resale flat to live near or together with their parents can also apply for the Proximity Housing Grant.

CPF housing grant – Family Grant

 

CPF Housing Grant
First Timer Family Grant
AmountHouseholdBuying 2- to 4-room Resale FlatBuying 5-room or Bigger Resale Flat
SC/SC$50,000$40,000
SC/SPR$40,000$30,000
Assistance ForMarried/ engaged couples or families who are first-timer applicants buying an HDB resale flat
Recipient May Also Be Eligible ForAdditional CPF Housing Grant
Recipient May Later Be Eligible ForCitizen Top-Up (for SC/ SPR household)

CPF housing grant eligibility

CPF Housing Grant First Timer Eligibility 
Citizenship
Singapore Citizen and at least 1 more Singapore Citizen or Singapore Permanent Resident
AgeAt least 21 years old
Family NucleusSpouse and children (if any)
Spouse-to-be (a photocopy of your marriage certificate must be submitted within 3 months from the resale completion date, if your marriage is registered overseas)
Children under your legal custody, care and control (if widowed/divorced#)
#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 send us an email at [email protected]
Household StatusYou and the family member(s) buying the resale flat must be first-timer applicants, meaning that all of you must meet the following criteria:
Not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat bought from a developer
Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
Not received any CPF Housing Grant for the purchase of an HDB resale flat
Not received any form of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation
Income CeilingYour average gross monthly household income must not exceed:
$12,000
$18,000 if applying with extended family
Flat Type2-room or bigger
Remaining Lease of FlatAt least 30 years
You can get a flat’s lease details with our HDB Map Services.
Ownership/ Interest in PropertyFlat buyers and occupiers listed in the 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 resale flat application:
Private residential property (including HUDC flats and ECs)
House
Building
Land
Be buying an HDB resale flat that has been announced for SERS

Extended Family Income Ceiling

The income ceiling is set at a higher level of $18,000 to encourage working adults and their parents to live as an extended family in a flat.

How to calculate the $18,000 income ceiling

Example 1

A married couple, their siblings, and their parents. The income ceiling is calculated using the combined income of 2 set groups in the extended family.

Household TypeIncome of Group A (Cannot exceed $12,000)Income of Group B (Cannot exceed $12,000)Extended Family Income Ceiling
Parent(s)* with single childrenParent(s) and 1 of the single childrenRemaining single child(ren)Group A + Group B must not exceed $18,000
Parent(s)* with married children^Parent(s) and remaining working children (if any)The married children and their children (if any)

Example 2

A married couple and their 3 working children wish to buy a flat. Individually, their average gross monthly income is:

  • Husband: $4,000
  • Wife: $4,000
  • Child A: $4,000
  • Child B: $2,000
  • Child C: $4,000

Their average gross monthly income as an extended family thus works out as:

Household TypeIncome of Group A
Parent(s) and 1 of the single child(ren)
Cannot exceed $12,000
Income of Group B
Remaining single child(ren)
Cannot exceed $12,000
Extended Family Income Ceiling
Group A + Group B must not exceed $18,000
Parent(s)* with single childrenHusband: $4,000
Wife: $4,000
Child B: $2,000

Total = $10,000
Child A: $4,000
Child C: $4,000

Total = $8,000
Group A: $10,000 Group B: $8,000

Total = $18,000
The extended family is within the income ceiling

* Includes widow/ widower or divorcee
^ Includes applicants applying under the Fiancé/Fiancée Scheme

Income Document Guidelines

CPF housing grant for your flat application, you and any other applicants and essential occupiers will need to get ready the following documents for our verification:

  • #3 months’ payslips preceding month of application, if employed full-time (not on commission-basis)
  • 6 months’ of income documents preceding the month of application, for other types of employment
  • Proof of unemployment if not working

Aside from the above documents, we may also request other documents for the CPF housing grant verification if needed.

Nature of EmploymentDocuments to SubmitNotes
Employed person#3 months’ payslips preceding the month of application
or

Letter from employer certifying salaries for #3 months preceding the month of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Note: If your income includes allowance, we will require 6 months’ payslips preceding the month of application.
Assessment is based on the average gross monthly income, which:
Excludes bonuses and income earned from overtime work
Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
If you are employed full-time but on no-pay leave for less than 6 months, we will consider you as employed and use your last drawn pay for assessment. If you are on no-pay leave for 6 months or more, your income will be be considered in the assessment.
Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) will not be accepted
Self-employed personLatest NOA from IRAS or Statement of Annual Accounts certified by an audit firm
and

Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) or valid licence of trade and
Undertaking affirming the average gross monthly income for 6* months 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)
Part-time worker6 months’ payslips preceding the month preceding the month of application;

Letter from employer certifying salaries for *6 months preceding the month of application; the letter must contain the:

Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Assessment is based on the average gross monthly income
Commission-based person*6 months’ commission statements/ payslips preceding the month of application
or

Letter from employer certifying salaries for 6 months preceding the month of application; the letter must contain the:

Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Assessment is based on the average gross monthly income
Odd job workerLatest NOA from IRAS
or

Letter from employer certifying salaries for *6 months preceding the month of application; the letter must contain the:

Company stamp / letterhead
Certifying officer's name, signature and designation
Assessment is based on the average gross monthly income
Unemployed person (between 18 to 62 years old)Valid Student Pass or letter from school/ college/ institute of learning to confirm student status, if currently a full-time student

If unemployed for less than 3 months, the following documents are required:
Income proof for the preceding month(s) from the previous employer stating gross monthly income and last day of service
Latest 15 months' CPF contribution history

Income/ allowance that will be considered for the income assessment

  • Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • Sustenance allowance
  • Stipend

Income/ allowance that will not be considered for the income assessment

  • Alimony allowance
  • Bonuses
  • Director’s fees
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Pension

CPF Housing Grant – Additional (AHG)

Amount$5,000 to $40,000
Assistance ForLower to middle-income applicants of the Family Grant
At least 1 of the applicants must have worked continuously for the 12 months prior to the flat application and still be employed at the point of the flat application

CPF housing grant amount

The AHG amount is graduated according to income brackets to offer lower-income families a higher grant amount.

Average Monthly Household Income
(12 months)
AHG Amount
$1,500 or less$40,000
$1,501 to $2,000$35,000
$2,001 to $2,500$30,000
$2,501 to $3,000$25,000
$3,001 to $3,500$20,000
$3,501 to $4,000$15,000
$4,001 to $4,500$10,000
$4,501 to $5,000$5,000

Eligibility

You must first qualify for a Family Grant before applying for the AHG. In addition, you must satisfy these conditions:

Employment StatusThe applicant (you or your spouse/ spouse-to-be) must:
Have been in continuous employment for 12 months before the flat application
Still be employed during the flat application
Income CeilingYour average gross monthly income for the 12 months before your flat application must not exceed $5,000.

Income Document Guidelines

As eligibility for the AHG 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 further documentation, if needed.

Nature of EmploymentDocuments to Submit
Employed person12 months’ payslips 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

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


Note:
If you are employed full-time employment but on no-pay leave (e.g. for 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 access your eligibility for the housing grants (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 personLatest Notice of Assessment (NOA) from IRAS
Or
Statement of Annual Accounts certified by an Audit Firm
And
Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile)
Or

Valid licence of trade
Part-time worker/ Commission-based person12 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 prior to flat application
Odd job workerLatest NOA from IRAS
And
Previous year’s NOA from IRAS
Full-time student receiving stipendsLetter 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
Note:
You will be considered as employed if, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving you the stipend
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, e.g. allowances for food, transport, laundry, uniform, etc.
  • Sustenance Allowance
  • Stipend

Income/ allowance not considered for the income ceiling

  • Alimony allowance
  • Bonuses
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Pension
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Director’s fee
FIRST TIMER AND SECOND TIMER COUPLE APPLICANTS

CPF housing grant for First-Timer and Second-Timer Couple Applicants

You can apply for a Half-Housing Grant/ Top-Up Grant, as well as the Additional CPF Housing Grant (AHG) if you are a first-timer Singapore Citizen applicant married/ engaged to a spouse/ spouse-to-be that has previously received a housing subsidy, i.e. a second-timer applicant.
 
If the second-timer applicant has previously taken a CPF Housing Grant for singles or bought a 2-room BTO flat in the non-mature estates as a single, the couple may request for the CPF Top-Up Grant for their existing flat or next HDB resale flat.

Half Housing Grant  
Amount $25,000 (2- to 4-room flat) or $20,000 (5-room or bigger flat)
Assistance ForFirst-timer Singapore Citizen applicants whose spouse/ spouse-to-be had previously received a housing subsidy
Recipient May Also Be Eligible ForAHG (Singles)
Grant amount
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.

Applicable GrantHalf-Housing Grant Amount
$50,000 Family Grant for SC/ SC HouseholdHousehold

$25,000

Eligibility

Except for the household status requirements, you must meet all of the other eligibility conditions for a Family Grant for Singapore Citizens.

CitizenshipSingapore Citizen and at least 1 more Singapore Citizen or Singapore Permanent Resident
AgeAt least 21 years old
Family NucleusSpouse and children (if any)
Spouse-to-be (photocopy of your marriage certificate must be submitted within 3 months from the resale completion date, if your marriage is registered overseas)
Household StatusYou will be considered a first-timer applicant if you have not received any housing subsidy from HDB. This means that you must not:
Be the owner of a flat bought from HDB
Have sold a flat bought from HDB
Have taken the CPF Housing Grant to buy an Executive Condominium (EC), Design, Build and Sell Scheme (DBSS) flat or an HDB resale flat, or taken over ownership of such a flat or EC
Have transferred the ownership of a flat bought directly from HDB, or an HDB resale flat bought under the CPF Housing Grant Scheme
Have ever taken other forms of housing subsidy, such as Selective En bloc Redevelopment Scheme benefits or HUDC estate privatisation
Income CeilingYour average gross monthly household income must not exceed:
$12,000
$18,000 if applying with extended family
Flat Type2-room or bigger
Remaining Lease of FlatAt least 30 years
You can get a flat’s lease details with our HDB Map Services
Ownership/ Interest in PropertyFlat buyers and occupiers listed in the 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 resale flat application:
Private residential property (including privatised HUDC flats and ECs)
House
Building
Land
Be buying an HDB resale flat that has been announced for SERS

CPF housing grant Top-Up Grant

AmountThe Family Grant amount you are now eligible for, minus your previously received grant amount
Assistance ForRecipients of a Singles Grant who get married
Recipients of a Singles Grant who bought an HDB resale flat under the Non-Citizen Spouse Scheme whose spouse or child obtains Singapore Citizenship or permanent residence status
Recipient May Also Be Eligible ForAHG (Singles)
Recipient May Later Be Eligible ForCitizen Top-Up

Grant amount

The Top-Up Grant amount is the difference between the Family Grant that you now qualify for, minus the Singles Grant amount that you had previously received.

Use of Top-Up Grant

You can use your Top-Up Grant:
  • For your existing flat, i.e. it is now your matrimonial home
  • To buy a resale flat with your spouse
    • The grant amount will be credited to your and/ or your spouse’s CPF Ordinary Accounts

Eligibility

CitizenshipYou are a Singapore Citizen (SC) and your spouse or child is an SC or Singapore Permanent Resident (SPR)
Family NucleusYou and your spouse and/ or children
Household Status
(Newly-married single)
You have previously received a Singles Grant to buy a resale or bought a 2-room BTO flat under the Single Singapore Citizen Scheme or Joint Singles Scheme
You are now married to an SC or SPR that meets the following criteria:
Other than the Singles Grant, has not received any CPF Housing Grant
Not the owner of a flat bought from HDB, or an EC/ DBSS flat bought from a developer
Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
Not received any other form of housing subsidy, e.g. benefitted under SERS, HUDC estate privatisation
Household Status
(Household with new SC/ SPR)
You have previously received a Singles Grant to buy a resale or bought a 2-room BTO flat under the Non-Citizen Spouse Scheme
Your spouse or child is now an SC or SPR
Timeframe
Your application must be submitted within 6 months of your marriage registration or spouse/ child becoming an SC/ SPR
Income Ceiling
Your average gross monthly household income must not exceed $12,000
Ownership/ Interest in PropertyYou 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 resale flat application and up to the date of taking possession of the flat:
Private residential property (including HUDC flats and ECs)
House
Building
Land
Be buying an HDB resale flat that has been announced for SERS

Example

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 – $50,000

Family Grant for SC/ SPR household – $40,000

Singles Grant – $15,000

Example 1

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:

Married CouplePreviously Received Singles GrantEligible Family GrantTop-Up Grant
Spouse A (SC owner)$15,000$50,000

(Family Grant for SC/ SC household)
$10,000
Spouse B (SC owner)Nil$25,000

Example 2

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:

Married CouplePreviously Received Singles GrantEligible Family GrantTop-Up Grant
Spouse A (SC owner)$15,000$40,000

(Family Grant for SC/ SPR household)
$25,000
Spouse B (SPR owner/ occupier)NilNil

The couple may subsequently apply for a Citizen Top-Up.

Income Document Guidelines

For your flat application, you and the other applicants and essential occupiers will need to get ready the following documents for out verification:

  • #3 months’ payslips preceding the month of application, if employed full-time (not on commission-basis)
  • *6 months’ of income documents preceding the month of application, for other types of employment
  • Proof of unemployment if not working

Aside from the above documents, we may also request other documents for vertification if needed.

Nature of EmploymentDocuments to SubmitNotes
Employed person#3 months’ payslips preceding the month of application
or

Letter from employer certifying salaries for #3 month of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Note: If your income includes allowance, we will require *6 months’ payslips preceding the month of application
Assessment is based on the average gross monthly income, which:
Excludes bonuses and income earned from overtime work
Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
If you are employed full-time but on no-pay leave for less than 6 months, we will consider you as employed and use your last drawn pay for assessment. If you are on no-pay leave for 6 months or more, your income will not be considered in the assessment.
Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) will not be accepted
Self-employed personLatest NOA from IRAS or Statement of Annual Accounts certified by an audit firm
and

Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) or valid licence of trade
and
Undertaking affirming the average gross month income for *6 months 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)
Part-time worker*6 months’ payslips preceding the month application
or
Letter from employer certifying salaries for 6 month preceding the month of application ; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Assessment is based on the average gross monthly income
Commission-based person*6 months’ commission statements/ payslips preceding the month of application
or

Letter from employer certifying salaries for 6 months preceding the month of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Assessment is based on the average gross monthly income
Odd job workerLatest NOA from IRAS
or

Letter from employer certifying salaries for *6 months preceding the month of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer's name, signature, and designation
Assessment is based on the average gross monthly income
Unemployed person (between 18 to 62 years old)Valid Student Pass or letter from school/ college/ institute of learning to confirm student status, if currently a full-time student
If unemployed for less than 3 months, the following documents are required:
Income proof for the preceding month(s) from the previous employer stating gross monthly income and last day of service
Latest 15 months’ CPF contribution history

Income/ allowance that will be considered for the income assessment

  • Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • Sustenance
  • Stipend

Income/ allowance will not considered for the income assessment

  • Alimony allowance
  • Bonuses
  • Director fees
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Pension

Additional CPF Housing Grant (Singles)

Amount $2,500 - $20,000
Assistance ForLower to middle-income applicants of the Half Housing Grant or Top-Up Grant
Applicant must have worked continuously for the 12 months prior to the flat application, and still be employed at the point of the flat application

Grant Amount

The AHG amount is graduated according to income brackets to offer lower-income earners a higher grant amount.

Half of the average household income

(12 months)
AHG amount
$750 or less$20,000
$751 to $1,000$17,500
$1,001 to $1,250$15,000
$1,251 to $1,500$12,500
$1,501 to $1,750$10,000
$1,751 to $2,000$7,500
$2,001 to $2,250$5,000
$2,251 to $2,500$2,500

Eligibility

  • You must first meet all of the eligibility conditions for any of these CPF Housing Grants:
    • Half-Housing Grant
    • Top-Up Grant
  • Even though you are buying an HDB resale flat, as this is an additional grant treated as a housing subsidy, you must first qualify for one of the above grants and satisfy these conditions:

Employment StatusYou or your spouse/ spouse-to-be must:

Have been in continuous employment for 12 months before the flat application
Still be employed during the flat application
Income Ceiling

Buying the flat under:

Public Scheme (first-timer and second-timer couples)
Fiancé/ Fiancée Scheme (first-timer and second-timer couples)
Half of the average household monthly income for the 12 months before the flat application must not exceed $2,500.

Income Document Guidelines

As eligibility for the AHG is based on 12 months of employment, these are the income guideline when applying for this grant. Aside from the mentioned documents, we may also request other documents if needed.

Nature of EmploymentDocuments to Submit
Employed person12 months’ payslips prior to flat application date
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

CPF Yearly Statement of Account for current year and the immediate past year
CPF statements showing contributions for the 12 months prior to flat application date
Note:

If you are employed on full-time employment but on no-pay leave (e.g. for 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 access 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 personLatest Notice of Assessment (NOA) from IRAS
Or

Statement of Annual Accounts certified by an Audit Firm
And

Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile)
Or

Valid licence of trade
Part-time worker/ Commission-based person12 months’ payslips/ commission statements preceding to 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 prior to flat application
Odd job workerLatest NOA from IRAS
And

Previous year’s NOA from IRAS
Full-time student receiving stipendsLetter from the education institute stating your period and nature of study (full or part-time)
Copy of signed contract between the application and the education institute stating the conditions of the stipend
Note:

You will be considered as employed if, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving you the stipend
You are not 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, e.g. allowances for food, transport, laundry, uniform, etc.
  • Sustenance Allowance
  • Stipend

Income/ allowance not considered for the AHG (Singles) income ceiling

  • Alimony allowance
  • Bonuses
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Pension
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Director’s fee
SECOND-TIMER APPLICANTS

CPF housing grant for Second-Timer Applicants called Step-Up CPF Housing Grant is available to eligible second-timers who submit a resale application on or after 22 May 2019.

Grant TypeStep-Up CPF Housing Grant
Flat TypeA 2-room or 3-room resale flat in non- mature estates
Applicable only to second-timer families living in public rental flats
Current Flat TypeA 2-room subsidised flat in a non-mature estate that is:
Bought from HDB after October 1995 or from the resale market with a CPF Housing Crant
Your first subsidised flat
or
Public Rental flat
Income Ceiling$6,000
EmploymentAt least one of you and your spouse/ fiance(e) have been continuously employed for the 12 months prior to the resale flat application and are employed at the time you submitted the resale flat application
Remaining Lease of FlatFlat purchased must have a remaining lease that covers the youngest buyer and spouse until the age of 95 and above (calculated based on date of resale application)
Grant Amount$15,000

CPF housing grant income documents guidelines

Nature of EmploymentDocuments to Submit
Employed person12 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 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 personLatest Notice of Assessment (NOA) from IRAS
or
Statement of Annual Accounts certified by an audit firm
And
Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile)
Or
Valid Licence of trade
Part-time worker/ Commission-based person12 months' payslips/ commission statement 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 yer and the immediate past year
CPF statements showing contributions for the 12 months preceding the flat application
Odd job workerLatest NOA from IRAS
And
Previous year's NOA from IRAS
Full-time student receiving stipendsLetter from the education insititute 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, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving the stipend
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

Income/ allowance that is not considered for the income ceiling

  • Alimony allowance
  • Bonuses
  • income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Pension
  • Rental Income
  • Scholarship oversea allowance
  • Overseas cost of living allowance
  • Director’s fee

Examples 1

Mr and Mrs C (both SCs) are the current owners of a 2-room flat in Yishun that was bought from HDB in 2000.

They are buying a 3-room resale flat in Sembawang on the open market. They have been continuously employed for the past 12 months prior to their flat application. Their gross monthly household income at the time of flat application is $5,000.

They will be eligible for the Step-up CPF Housing Grant of $15,000. Each of them will receives $7,500.

Example 2

Mr and Mrs D (both SCs) are current owners of a 2-room flat in Sengkang, which was bought from HDB in 2010. They submitted a resale flat application to buy a 3-room flat in Yishun on 22 May 2019.

Mr D was unemployed from March 2018 to September 2018. He began working in October 2018, drawing an average gross monthly income of $2,000 and was still employed in May 2019.

Mrs D was employed from March 2018 to September 2018 with an average gross monthly income of $1,800. However, she has been unemployed since October 2018.

Mr and Mrs D are not eligible for the Step-Up CPF Housing Grant as neither of them has been continuously employed for 12 months.

For more details, click here

NON-CITIZEN SPOUSE SCHEME (NCS)

CPF housing grant for Non-Citizen Spouse Scheme (NCS) for citizen with a spouse who is neither a Singapore Citizen nor a Singapore Permanent Resident (SPR), you may be eligible for the:

  • Singles Grant; or
  • Additional CPF Housing Grant (Singles)

CPF housing grant – Singles grant 

Assistance ForMarried applicants aged 21 or above who buy an HDB resale flat under the Non-Citizen Spouse Scheme
Recipient May Also Be Eligible ForAdditional CPF Housing Grant for Singles
Recipient May Later Be Eligible ForTop-Up Grant
Citizen Top-Up

CPF housing Grant Amount

Buying 2- to 4-room Resale FlatBuying 5-room or Bigger Resale Flat
$25,000$20,000

CPF housing grant eligibility

CitizenshipSingapore Citizen
AgeAt least 21 years old
Income CeilingYour average gross monthly household income must not exceed $12,000
Household StatusYou and the family member(s) buying the resale flat must be first-timer applicants, meaning that all of you must meet the following criteria:
Not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat bought from a developer
Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
Not received any CPF Housing Grant for the purchase of an HDB resale flat
Not received any form of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation
Flat Type2-room or bigger
Remaining Lease of FlatAt least 30 years
You can get a flat's lease details with our HDB Map Services
Ownership/ Interest in PropertyFlat buyers and occupiers listed in the 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 resale flat application:
Private residential property (including privatised HUDC flats and ECs)
House
Building
Land
Be buying an HDB resale flat that has been announced for SERS

Example

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.
  • Grant Amount = $25,000

Income Document Guideline

CPF housing grant for your flat application, you and the other applicants and essential occupiers will need to get ready the following documents for our verification:

  • #3 months’ payslips preceding the month of application, if employed full-time (not on commission-basis)
  • *6 months’ of income documents preceding the month of application, for other types of employment
  • Proof of unemployment, if not working

Aside from the above documents, we may also request other documents for verification if needed.

Nature of EmploymentDocuments to SubmitNotes
Employed person#3 months’ payslips preceding the month of application
or

Letter from employer certifying salaries for #3 month preceding the months of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Note: If your income includes allowance, we will require 6 months’ payslips preceding the month of application.
Assessment is based on the average gross monthly income, which:
Excludes bonuses and income earned from overtime work
Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
If you are employed full-time but on no-pay leave for less than 6 months, we will consider you as employed and use your last drawn pay for assessment. If you are on no-pay for 6 months or more, your income will not be considered in the assessment.
Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted
Self-employed personLatest NOA from IRAS or Statement of Annual Accounts certified by an audit firm
and

Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) or valid licence of trade
and
Undertaking affirming the average gross monthly income for *6 months 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)
Part-time worker*6 months’ payslips preceding the month of application
or

Letter from employer certifying salaries for 6 months preceding the months of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Assessment is based on the average gross monthly income
Commission-based person*6 months’ commission statements/ payslips preceding the month of application
or

Letter from employer certifying salaries for 6 months preceding the month of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Assessment is based on the average gross monthly income
Odd job workerLatest NOA from IRAS
and

Letter from employer certifying salaries for 6 months preceding the month of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer's name, signature, and designation
Assessment is based on the average gross monthly income
Unemployed person (between 18 to 62 years old)Valid Student Pass or letter from school/ college/ institute of learning to confirm student status, if currently a full-time student
If unemployed for less than 3 months, the following documents are required:
Income proof for the preceding month(s) from the previous employer stating their gross monthly income and last day of service
Latest 15 months’ CPF contribution history

Income/ allowance that will be considered for the income assessment

  • Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • Sustenance allowance
  • Stipend

Income/ allowance will not be considered for the income assessment

  • Alimony allowance
  • Bonuses
  • Director fees
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Pension

CPF Housing Grant – Additional (Singles)

Amount$2,500 - $20,000
Assistance ForLower to middle-income applicants of the Singles Grant
Applicant must have worked continuously for the 12 months prior to the flat application, and still be employed at the point of the flat application

Grant Amount

The AHG amount is graduated according to income brackets to offer lower-income earners a higher grant amount.

Half of the average household income

(12 months)
AHG amount
$750 or less$20,000
$751 to $1,000$17,500
$1,001 to $1,250$15,000
$1,251 to $1,500$12,500
$1,501 to $1,750$10,000
$1,751 to $2,000$7,500
$2,001 to $2,250$5,000
$2,251 to $2,500$2,500

Eligibility

  • You must first meet all of the eligibility conditions for the Singles Grant
  • Even though you are buying an HDB resale flat, as this is an additional grant treated as a housing subsidy, you must first qualify for one of the above grants and satisfy these conditions:

Employment StatusYou and/ or your spouse must:

Have been in continuous employment for 12 months before the flat application
Still be employed during the flat application
AgeAt least 35 years old
Income CeilingHalf of the average household monthly income for the 12 months before the flat application must not exceed $2,500

Income Document Guidelines

As eligibility for the AHG is based on 12 months of employment, these are the income guideline when applying for this grant. Aside from the mentioned documents, we may also request other documentation for verification, if needed.

Nature of EmploymentDocuments to Submit
Employed person12 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
Note:

If you are on full-time employment but on no-pay leave (e.g. for 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 access your eligibility for the housing grant(s)
If you are employed full-time pay but no-pay leave for 6 months or more out of the 12 months in reviews, your income will not be considered in the assesment
Self-employed personLatest Notice of Assessment (NOA) from IRAS
Or

Statement of Annual Accounts certified by an audit firm
And

Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile)
Or

Valid licence of trade
Part-time worker/ Commission-based person12 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 prior to flat application date
Odd job workerLatest NOA from IRAS
And

Previous year’s NOA from IRAS
Full-time student receiving stipendsLetter 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, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving the stipend
You will not be considered as employed for all other work during full-time studies

Income/ allowance that will be considered for the income ceiling

  • Allowances (fixed/ variable) received on a regular basis, e.g. allowances for food, transport, laundry, uniform, etc.
  • Sustenance Allowance
  • Stipend

Income/ allowance not considered for the AHG (Singles) income ceiling

  • Alimony allowance
  • Bonuses
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Pension
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Director’s fee
JOINT SINGLES SCHEME OR ORPHANS SCHEME

Joint Singles Scheme or Orphans Scheme

Eligible first-timers aged 35 and above may receive:

  • Singles Grant
  • Additional CPF Housing Grant (AHG)

Singles Grant

Assistance ForSingle applicants aged 35 or above who buy an HDB resale flat under any of these schemes:

Joint Singles Scheme
Orphans Scheme
Recipient May Also Be Eligible ForAdditional CPF Housing Grant for Singles
Recipient May Later Be Eligible ForTop-Up Grant

Grant Amount

Flat buyer(s)Buying 2- to 4-room Resale FlatBuying 5-room or Bigger Resale Flat
1 single*$25,000$20,000
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.

Eligibility

CitizenshipSingapore Citizen
AgeAt least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes:

Joint Singles Scheme
Orphans Scheme
Household StatusFor resale applications received on or after 1 Oct 2017, 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:

Not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat bought from a developer
Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
Not received any CPF Housing Grant for the purchase of an HDB resale flat
Not received any form of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation
Income CeilingYour average gross monthly household income must not exceed $12,000
Flat Type2-room or bigger
Remaining Lease of FlatAt least 30 years
You can get a flat’s lease details with our HDB Map Services
Ownership/ Interest in PropertyYou 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 resale flat application:
Private residential property (including HUDC flats and ECs)
House
Building
Land
Be buying a 1-room flat or flat that has been announced for SERS
Time barCancellation 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.

Examples

Example 1

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.

  • Grant Amount = $25,000

Example 2

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.

  • Grant Amount = $50,000 (maximum amount of $25,000 x 2)

Example 3

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.

  • Grant Amount = $25,000

Income Document Guidelines

For your flat application, you and the other applicants and essential occupiers will need to get ready the following documents for our verification:

  • #3 months’ payslips preceding the month of application, if employed full-time (not on commission-basis)
  • 6 months’ of income documents preceding the month of application, for other types of employment
  • Proof of unemployment if not working

Aside from the above documents, we may also request other documents for verification if needed.

Nature of EmploymentDocuments to SubmitNotes
Employed person#3 months’ payslips preceding the month of application
or

Letter from employer certifying salaries for #3 months preceding the month of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Note: If your income includes allowance, we will require 6 months’ payslip preceding the month application.
Assessment is based on the average gross monthly income, which:
Excludes bonuses and income earned from overtime work
Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
If you are employed full-time but on no-pay leave for less than 6 months, we will consider you as employed and use your last draw pay for assessment. If you are on no-pay leave for 6 months or more, your income will not be considered in the assessment.
Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) will not be accepted
Self-employed personLatest NOA from IRAS or Statement of Annual Accounts certified by an audit firm
and

Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) or valid licence of trade

and
Undertaking affirming the average gross monthly income for *6 months 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)
Part-time workerLatest 6 months’ payslips preceding the month of application
or

Letter from employer certifying salaries for 6 month preceding the month of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Assessment is based on the average gross monthly income
Commission-based person6 months’ commission statements/ payslips preceding the month of application
or

Letter from employer certifying salaries for the 6 months preceding the month of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Assessment is based on the average gross monthly income
Odd job workerLatest NOA from IRAS
and

Letter from employer certifying salaries for *6 months preceding the month of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer's name, signature and designation
Assessment is based on the average gross monthly income
Unemployed person (between 18 to 62 years old)Valid Student Pass or letter from school/ college/ institute of learning to confirm student status. If currently a full-time student
If unemployed for less than 3 months, the following documents are required:
Income proof for the preceding month(s) from the previous employer stating their gross monthly income and last day of service
Latest 15 months’ CPF contribution history

Income/ allowance that will be considered for the income ceiling

  • Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • Sustenance allowance
  • Stipend

Income/ allowance not considered for the income ceiling

  • Alimony allowance
  • Bonuses
  • Director fees
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Pension

Additiional CPF Housing Grant

AmountUp to $40,000
Assistance ForLower to middle-income applicants of the Singles Grant
At least 1 of the applicants must have worked continuously for the 12 months prior to the flat application, and still be employed at the point of the flat application

Grant Amount

The AHG amount is graduated according to income brackets to offer lower-income earners a higher grant amount. The table below shows the total grant amount for 2 or more eligible singles, who are buying a resale flat under the Joint Singles Scheme or Orphans Scheme.

Average monthly household income

(12 months)
AHG amount
$1,500 or less$40,000
$1,501 to $1,750$35,000
$1,751 to $2,000$35,000
$2,001 to $2,250$30,000
$2,251 to $2,500$30,000
$2,501 to $3,000$25,000
$3,001 to $3,500$20,000
$3,501 to $4,000$15,000
$4,001 to $4,500$10,000
$4,501 to $5,000$5,000

Eligibility

  • You must first meet all of the eligibility conditions for the Singles Grant
  • Even though you are buying an HDB resale flat, as this is an additional grant treated as a housing subsidy, you must first qualify for one of the above grants and satisfy these conditions:

Employment StatusYou and/ or your co-applicant(s)

Have been in continuous employment for 12 months before the flat application
Still be employed during the flat application
Income CeilingThe average household monthly income for the 12 months before the flat application must not exceed $5,000

Income Document Guidelines

As eligibility for the AHG 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.

Nature of EmploymentDocuments to Submit
Employed person12 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
Note:

If you are employed full-time but on no-pay leave (e.g. for 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 access 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 personLatest Notice of Assessment (NOA) from IRAS
Or

Statement of Annual Accounts certified by an audit firm
And

Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile)
Or

Valid licence of trade
Part-time worker/ Commission-based person12 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 prior to flat application
Odd job workerLatest NOA from IRAS
And

Previous year’s NOA from IRAS
Full-time student receiving stipendsLetter 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
Note:

You will be considered as employed if, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving the stipend
You will not be considered as employed for all other work done during full-time studies

Income/ allowance that will be considered for the AHG (Singles) income ceiling

  • Allowances (fixed/ variable) received on a regular basis, e.g. allowances for food, transport, laundry, uniform
  • Sustenance Allowance
  • Stipend

Income/ allowance not considered for the AHG (Singles) income ceiling

  • Alimony allowance
  • Bonuses
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Pension
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Director’s fee
SINGLE SINGAPORE CITIZEN APPLICANTS

Single Singapore Citizen Applicants

As a first-timer single Singapore Citizen (SC) who is 35 years old or above, you might be eligible for the following CPF Housing Grant(s):
  • Singles Grant
  • Additional CPF Housing Grant (AHG) (Singles)

Singles Grant

Assistance ForSingle applicants aged 35 or above who buy an HDB resale flat under any of these schemes:

Single Singapore Citizen Scheme
Non-Citizen Family Scheme
Recipient May Also Be Eligible ForAdditional CPF Housing Grant for Singles
Recipient May Later Be Eligible ForTop-Up Grant

Grant Amount

  • $25,000 (2- to 4-room resale flat)
  • $20,000 (5 room resale flat)

Eligibililty

CitizenshipSingapore Citizen
AgeAt least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes:

Single Singapore Citizen Scheme
Non-Citizen Family Scheme
Household StatusYou must be a first-timer applicant, meaning that you must meet the following criteria:

Not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat bought from a developer
Not sold a flat bought from HDB, or an EC/ DBSS flat bought from a developer
Not received any CPF Housing Grant for the purchase of an HDB resale flat
Not received any form of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation
Income CeilingYour average gross monthly household income must not exceed:
$6,000 if buying a resale flat under the Single Singapore Citizen Scheme
$12,000 if buying a resale flat under other schemes
Flat Type2 to 5-room under the Single Singapore Citizen Scheme
2-room or bigger under other schemes
Remaining Lease of FlatAt least 30 years
You can get a flat’s lease details with our HDB Map Services
Ownership/ Interest in PropertyYou 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 resale flat application:
Private residential property (including privatised HUDC flats and ECs)
House
Building
Land
Be buying an HDB resale flat that has been announced for SERS
Time barCancellation 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.

Example

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.

  • Grant Amount = $25,000

Income Document Guidelines

For your flat application, you and the other applicants and essential occupiers will need to get ready the following documents for our verification:

  • #3 months’ payslips preceding the month of application, if employed full-time (not on commission-basis)
  • *6 months’ of income documents preceding the month of application, for other types of employment
  • Proof of unemployment if not working

Aside from the above documents, we may also request other documents for verification if needed.

Nature of EmploymentDocuments to SubmitNotes
Employed person#3 months’ payslips preceding the month of application
or

Letter from employer certifying salaries for #3 month preceding the month of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Note: If your income includes allowance, we will require 6 months’ payslips preceding the month of application
Assessment is based on the average gross monthly income, which:
Excludes bonuses and income earned from overtime work
Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
If you are employed full-time but on no-pay leave for less than 6 months, we will consider you as employed and use your last drawn pay for assessment. If you are on no-pay leave for 6 months or more, your income will not be considered in the assessment.
Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) will not be accepted
Self-employed personLatest NOA from IRAS or Statement of Annual Accounts certified by an audit firm
and

Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile) or valid licence of trade
and
Undertaking affirming the average gross monthly income for *6 months 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)
Part-time worker6 months’ payslips preceding the month of application
or

Letter from employer certifying salaries for 6 months preceding the month of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Assessment is based on the average gross monthly income
Commission-based person*6 months’ commission statements/ payslips preceding the month of application
or

Letter from employer certifying salaries for 6 months preceding the month of application; the letter must contain the:
Company stamp/ letterhead
Certifying officer’s name, signature, and designation
Assessment is based on the average gross monthly income
Odd job workerLatest NOA from IRAS
and

Letter from employer certifying salaries for *6 months preceding the month of application: the letter must contain the:
Company stamp/ letterhead
Certifying officer's name, signature and designation
Assessment is based on the average gross monthly income
Unemployed person (between 18 to 62 years old)Valid Student Pass or letter from school/ college/ institute of learning to confirm student status, if currently a full-time student
If unemployed for less than 3 months, the following documents are required:
Income proof for the preceding month(s) from the previous employer stating their gross monthly income and last day of service
Latest 15 months’ CPF contribution history

Income/ allowance that will be considered for the income assessment

  • Allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.)
  • Sustenance allowance
  • Stipend

Income/ allowance that will not be considered for the income assessment

  • Alimony allowance
  • Bonuses
  • Director fees
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Pension

Additional CPF Housing Grant (Singles)

Amount$2,500 to $20,000
Assistance ForLower to middle-income applicants of the Singles Grant
Applicant must have worked continuously for the 12 months prior to the flat application, and still be employed at the point of the flat application

Grant Amount

The AHG amount is graduated according to income brackets to offer lower-income earners a higher grant amount.

Singles can buy resale flat under the following schemes:

  • Single Singapore Citizen Scheme
  • Non-Citizen Family Scheme

Average monthly household income of Singapore Citizen

(12 months)
AHG amount
$750 or less$20,000
$751 to $1,000$17,500
$1,001 to $1,250$15,000
$1,251 to $1,500$12,500
$1,501 to $1,750$10,000
$1,751 to $2,000$7,500
$2,001 to $2,250$5,000
$2,251 to $2,500$2,500

Eligibility

  • You must first meet all of the eligibility conditions for the Singles Grant.
  • Even though you are buying an HDB resale flat, as this is an additional grant treated as a housing subsidy, you must first qualify for one of the above grants and satisfy these conditions:

Employment StatusYou must:

Have been in continuous employment for 12 months before the flat application
Still be employed during the flat application
Income CeilingThe average monthly income of the Singapore Citizen for the 12 months before the flat application must not exceed $2,500.

Income Document Guidelines

As eligibility for the AHG is based on 12 months of employment, these income guidelines when applying for this grant. Aside from the mentioned documents, we may also request other documents for verificatin if needed.

Nature of EmploymentDocuments to Submit
Employed person12 months’ payslips 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

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
Note:

If you are employed full-time but on no-pay leave (e.g. for 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 access 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 personLatest Notice of Assessment (NOA) from IRAS
Or

Statement of Annual Accounts certified by an audit firm
And

Valid Accounting and Corporate Regulatory Authority (ACRA) Computer Information (Business Profile)
Or

Valid licence of trade
Part-time worker/ Commission-based person12 months’ payslips/ commission statements preceding the flat application
Or

Letter from employer certifying salaries for the 12 months preceding to 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 workerLatest NOA from IRAS
And

Previous year’s NOA from IRAS
Full-time student receiving stipendsLetter 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, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving the stipend
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, e.g. allowances for food, transport, laundry, uniform.
  • Sustenance Allowance
  • Stipend

Income/ allowance this is not considered for the income ceiling

  • Alimony allowance
  • Bonuses
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Pension
  • Rental income
  • Scholarship overseas allowance
  • Overseas cost of living allowance
  • Director’s fee
LIVING WITH/NEAR PARENTS OR MARRIED CHILD

CPF housing grant for those Living With/ Near Parents or Married Child are called the Proximity Housing Grant (PHG) has been introduced to help more families to buy a resale flat to live with or close to each other for mutual care and support. 

Assistance forFamily - Married/ engaged couples or families who are buying an HDB resale flat to live with or near their parents/ child
Singles - Singles buying an HDB resale flat to live with or near their parents
AmountTo live with parents/ childTo live within 4 km radius of family
Families$30,000$20,000
Singles$15,000$10,000
Recipient may also be eligible forCPF Housing Grant for Family
CPF Housing Grant for Singles
Additional CPF Housing Grant

Eligibility

CitizenshipYou are a Singapore Citizen.
Family

Your family nucleus must comprise at least another Singapore Permanent Resident or a Singapore Citizen.
AgeFamily

You must be aged 21 years or above.

Singles

You must be aged:

35 years or above, if you are single and applying for resale flat under any of the following schemes:
Single Singapore Citizen Scheme
Joint Singles Scheme
Public Scheme (if parents are included in the resale application as co-applicants or occupants)
or

21 years or above, if you are married and applying for resale flat under the Non-Citizen Spouse Scheme
Family NucleusFamily

You are applying with your:

spouse and children (if any), or
fiancé/ fiancée (photocopy of your marriage certificate must be submitted within 3 months from the resale completion date, if your marriage is registered overseas), or
children under your legal custody, care and control (if widowed/divorced#)
#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 send us an email at [email protected]

Singles

You are applying under any of the following schemes:

Single Singapore Citizen Scheme
Joint Singles Scheme
Public Scheme
Non-Citizen Spouse Scheme
Household StatusYou have not received the PHG previously.
Proximity ConditionThe parents/ child (if child is single, he/ she must be aged 35 and above) helping you to qualify for the PHG must be:

living with you in the resale flat you intend to buy or
living in an HDB flat or private residential property, which is within 4 km of the resale flat you intend to buy
Do note that:

As for the parents/ child helping the grant applicant qualify for the PHG, at least one of them must be a Singapore Permanent Resident.
If your parents/ child do not own the private residential property, it must be owned by their immediate family members (defined as child or adopted child, parent(s) or parent(s)-in-law, or siblings).
Flat TypeSingles living near parents - 2 to 5 room flat
Singles living with parents - Any flat type
Remaining Lease of FlatAt least 30 years. You can get a flat’s lease details with our HDB Map Services.

Distance enquiry check

Use our Distance Enquiry for Proximity Housing Grant e-Service to check whether the HDB resale flat you intend to buy is within 4 km of your parents’/ child’s HDB flat or private residential property they live in. 
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