HDB Resale Flat

First-Timer and Second-Timer Couple Applicants

Half Housing Grant
Amount	$25,000 (2- to 4-room flat) or $20,000 (5-room or bigger flat)
Assistance For	First-timer Singapore Citizen applicants whose spouse/ spouse-to-be had previously received a housing subsidy
Recipient May Also Be Eligible For	AHG (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 Grant	Half-Housing Grant Amount
$50,000 Family Grant for SC/ SC Household	Household $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.

Citizenship	Singapore Citizen and at least 1 more Singapore Citizen or Singapore Permanent Resident
Age	At least 21 years old
Family Nucleus	Spouse and children (if any) Spouse-to-be (marriage certificate must be produced before the date of completion of the flat purchase)
Household Status	You 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 privatisation of HUDC estate
Income Ceiling	Your average gross monthly household income must not exceed: $12,000 $18,000 if applying with extended family
Flat Type	2-room or bigger
Remaining Lease of Flat	At least 30 years You can get a flat’s lease details with our HDB Map Services
Ownership/ Interest in Property	You 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 an HDB resale flat that has been announced for SERS

Top-Up Grant

Amount	The Family Grant amount you are now eligible for, minus your previously received grant amount
Assistance For	Recipients 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 For	AHG (Singles)
Recipient May Later Be Eligible For	Citizen Top-Up

Grant amount

Use of Top-Up Grant

• For your existing flat, i.e. it is now your matrimonial home
  • To share the Top-Up Grant amount, your SC spouse must be added as a co-owner of your flat
• 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

Citizenship	You are a Singapore Citizen (SC) and your spouse or child is an SC or Singapore Permanent Resident (SPR)
Family Nucleus	You 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
Your application must be submitted within 6 months of your marriage registration or spouse/ child becoming an SC/ SPR	Your average gross monthly household income must not exceed $12,000
Ownership/ Interest in Property	You 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 Couple	Previously Received Singles Grant	Eligible Family Grant	Top-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 Couple	Previously Received Singles Grant	Eligible Family Grant	Top-Up Grant
Spouse A (SC owner)	$15,000	$40,000 (Family Grant for SC/ SPR household)	$25,000
Spouse B (SPR owner/ occupier)	Nil		Nil

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

Income Document Guidelines

For the Half Housing Grant or Top-Up Grant application, you and any other applicants and essential occupiers will need to prepare:

• Latest 3 months’ payslips if employed full-time (without commission or allowances)
• 12 months’ of income documents for other types of employment
• Proof of unemployment if not working

Aside from these documents, we may also request further documentation if needed.

Nature of Employment	Documents to Submit	Notes
Employed person	Latest 3 months’ payslips (month of application and preceding 2 months) or Letter from employer certifying salaries for the month of application and the preceding 2 months; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation Note: If your income includes allowance, we will require the latest 12 months’ (month of application and preceding 11 months) payslips.	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.) Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted
Self-employed person	Latest 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	Assessment is based on the average gross monthly income for the past 12 months
Part-time worker	Latest 12 months’ (month of application and preceding 11 months)payslips or Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income for the past 12 months
Commission-based person	Latest 12 months’ (month of application and preceding 11 months)commission statements/ payslips or Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income for the past 12 months
Odd job worker	Latest NOA from IRAS and Previous year’s NOA from IRAS	Assessment is based on the average gross monthly income for the past 12 months
Unemployed person (between 18 to 62 years old)	Statutory Declaration to declare the employment status or Valid Student Pass 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	The Statutory Declaration can be made at the HDB Hub Loans Counter or any HDB Branch. Declarants are required to bring along their Identity Cards If not in Singapore, the Statutory Declaration can be made in the presence of a Commissioner for Oaths or Notary Public for that country

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.)
• Pension
• Stipend
• Sustenance

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

Additional CPF Housing Grant (Singles)

Amount	$2,500 - $20,000
Assistance For	Lower 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 Status	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 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

Eligibility for the AHG (Singles) is based on these income guidelines. Aside from the mentioned documents, we may also request further documentation if needed.

Nature of Employment	Documents to Submit
Employed person	12 months’ payslips prior to flat application date Or Letter from employer certifying salaries for the 12 months prior to flat application date. 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 on full-time employment but on no-pay leave (e.g. for full-time studies) for the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your income for the AHG (Singles)
Self-employed person	Latest 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 person	12 months’ payslips/ commission statements prior to flat application date Or Letter from employer certifying salaries for the 12 months prior to flat application date. 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 worker	Latest NOA from IRAS And Previous year’s NOA from IRAS
Full-time student receiving stipends	Letter from the education institute stating your period and nature of study (full or part-time) Copy of signed contract between you 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 if you are a full-time student taking up part-time work

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, etc.
• 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

HDB Resale Flat

Living With/ Near Parents or Married Child

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. Eligible singles will also enjoy the PHG if they buy a resale flat with or near their parents’ residence.

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

Eligibility

Citizenship	You are a Singapore Citizen. At least one of your parents or married child must be a Singapore Permanent Resident or a Singapore Citizen. Family Your family nucleus must comprise at least another Singapore Permanent Resident or a Singapore Citizen.
Age	Family 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 Nucleus	Family You are applying with your: spouse and children (if any), or fiancé/ fiancée (must be able to produce your marriage certificate, latest by the date of completion of the flat purchase), 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 Status	You have not received the PHG previously.
Proximity Condition	Family Your parents/ married child must be: living with you in the resale flat you intend to buy living in an HDB flat within 4 km of the resale flat you intend to buy owner-occupiers of private property within 4 km of the resale flat you intend to buy Singles Your parents must be: living with you in the resale flat you intend to buy living in an HDB flat within 4 km of the resale flat you intend to buy owner-occupiers of private property within 4 km of the resale flat you intend to buy
Flat Type	2-room or bigger
Remaining Lease of Flat	At least 30 years. You can get a flat’s lease details with our HDB Map Services.

Distance enquiry check

Non-Citizen Spouse Scheme (NCS)

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

Grant Amount

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

Eligibility

Citizenship	Singapore Citizen
Age	At least 21 years old
Income Ceiling	Your average gross monthly household income must not exceed $12,000
Household Status	You 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 Type	At least 30 years You can get a flat’s lease details with our HDB Map Services
Ownership/ Interest in Property	You 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 an HDB resale flat that has been announced for SERS

Example

• Grant Amount = $25,000

Income Document Guideline

For the Singles Grant application, you and any other applicants and essential occupiers will need to prepare:

• Latest 3 months’ payslips, if employed full-time (without commission or allowances)
• 12 months’ of income documents for other types of employment
• Proof of unemployment, if not working

Aside from these documents, we may also request further documentation if needed.

Nature of Employment	Documents to Submit	Notes
Employed person	Latest 3 months’ payslips (month of application and preceding 2 months) or Letter from employer certifying salaries for the month of application and the preceding 2 months; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation Note: If your income includes allowance, we will require the latest 12 months’ (month of application and preceding 11 months) payslips.	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.) Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted
Self-employed person	Latest 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	Assessment is based on the average gross monthly income for the past 12 months
Part-time worker	Latest 12 months’ (month of application and preceding 11 months) payslips or Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months) ; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income for the past 12 months
Commission-based person	Latest 12 months’ (month of application and preceding 11 months) commission statements/ payslips or Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months) ; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income for the past 12 months
Odd job worker	Latest NOA from IRAS and Previous year’s NOA from IRAS	Assessment is based on the average gross monthly income for the past 12 months
Unemployed person (between 18 to 62 years old)	Statutory Declaration to declare the employment status or Valid Student Pass 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	The Statutory Declaration can be made at the HDB Hub Loans Counter or any HDB Branch. Declarants are required to bring along their Identity Cards If not in Singapore, the Statutory Declaration can be made in the presence of a Commissioner for Oaths or Notary Public for that country

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.)
• Pension
• Stipend
• Sustenance

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

Additional CPF Housing Grant (Singles)

Amount	$2,500 - $20,000
Assistance For	Lower 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 Status	You and/ or your spouse must: Have been in continuous employment for 12 months before the flat application Still be employed during the flat application
Age	At least 35 years old
Income Ceiling	Half of the average household monthly income for the 12 months before the flat application must not exceed $2,500

Income Document Guidelines

Eligibility for the AHG (Singles) is based on these income guidelines. Aside from the mentioned documents, we may also request further documentation if needed.

Nature of Employment	Documents to Submit
Employed person	12 months’ payslips prior to flat application date Or Letter from employer certifying salaries for the 12 months prior to flat application date. 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 on full-time employment but on no-pay leave (e.g. for full-time studies) for the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your income for the AHG (Singles)
Self-employed person	Latest 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 person	12 months’ payslips/ commission statements prior to flat application date Or Letter from employer certifying salaries for the 12 months prior to flat application date. 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 worker	Latest NOA from IRAS And Previous year’s NOA from IRAS
Full-time student receiving stipends	Letter 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 if you are a full-time student taking up part-time work

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, etc.
• 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

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 For	Single 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 For	Additional CPF Housing Grant for Singles
Recipient May Later Be Eligible For	Top-Up Grant

Grant Amount

Flat buyer(s)	Buying 2- to 4-room Resale Flat	Buying 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

Citizenship	Singapore Citizen
Age	At least 35 years old, for single(s) buying an HDB resale flat under any of these eligibility schemes: Joint Singles Scheme Orphans Scheme
Household Status	For 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 Ceiling	Your average gross monthly household income must not exceed $12,000
Flat Type	2-room or bigger
Remaining Lease of Flat	At least 30 years You can get a flat’s lease details with our HDB Map Services
Ownership/ Interest in Property	You and the other flat applicants must not: Own any of the following properties whether locally or overs, 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 bar	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. Divorcees Within three years from the date of the divorce, only one party in the divorce can own one of the following housing units: a flat bought directly from the HDB a DBSS flat / EC bought directly from a private developer a resale flat bought from open market under the CPF Housing Grant Scheme If you have an existing matrimonial home, which is one of the above, and that home is retained by your ex-spouse, you may apply to buy or be listed as an essential occupier in any of the above housing unit only three years after your date of divorce. However, this three-year wait out period will not apply if you are buying any of the above homes with your parents or a new spouse, or if you are buying a resale flat from the open market without the CPF Housing Grant. If there is no matrimonial home or the matrimonial home was bought from the open market without any CPF Housing Grant, you may apply for any of the above housing units after you get your ex-spouse's consent not to own or be listed as an essential occupier in any of the above housing units within the three-year period from the date of divorce. The requirement for ex-spouse's consent is waived if you are buying any of the above housing units with your parents or a new spouse or if you are buying a resale flat from the open market without the CPF Housing Grant. The requirement to seek ex-spouse's consent during the three-year period from the date of divorce is also waived if you meet the following conditions: All your children are below 18 years old at the date of divorce; and You have the legal custody of all your children and are also the only parent with the care and control of all your children.

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 the above grant application, you and any other applicants and essential occupiers will need to prepare:

• Latest 3 months’ payslips if employed full-time (without commission or allowances)
• 12 months’ of income documents for other types of employment
• Proof of unemployment if not working

Aside from these documents, we may also request further documentation if needed.

Nature of Employment	Documents to Submit	Notes
Employed person	Latest 3 months’ payslips (month of application and preceding 2 months) or Letter from employer certifying salaries for the month of application and the preceding 2 months; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation Note: If your income includes allowance, we will require the latest 12 months’ (month of application and preceding 11 months) payslips.	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.) Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted
Self-employed person	Latest 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	Assessment is based on the average gross monthly income for the past 12 months
Part-time worker	Latest 12 months’ (month of application and preceding 11 months)payslips or Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income for the past 12 months
Commission-based person	Latest 12 months’ (month of application and preceding 11 months)commission statements/ payslips or Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income for the past 12 months
Odd job worker	Latest NOA from IRAS and Previous year’s NOA from IRAS	Assessment is based on the average gross monthly income for the past 12 months
Unemployed person (between 18 to 62 years old)	Statutory Declaration to declare the employment status or Valid Student Pass 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	The Statutory Declaration can be made at the HDB Hub Loans Counter or any HDB Branch. Declarants are required to bring along their Identity Cards If not in Singapore, the Statutory Declaration can be made in the presence of a Commissioner for Oaths or Notary Public for that country

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.)
• Pension
• Stipend
• Sustenance

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

Additional CPF Housing Grant

Amount	Up to $40,000
Assistance For	Lower 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 Status	You 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 Ceiling	The average household monthly income for the 12 months before the flat application must not exceed $5,000

Income Document Guidelines

Nature of Employment	Documents to Submit
Employed person	12 months’ payslips prior to flat application date Or Letter from employer certifying salaries for the 12 months prior to flat application date; 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 on full-time employment but on no-pay leave (e.g. for full-time studies) for the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your income for the AHG (Singles)
Self-employed person	Latest 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 person	12 months’ payslips/ commission statements prior to flat application date Or Letter from employer certifying salaries for the 12 months prior to flat application date. 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 worker	Latest NOA from IRAS And Previous year’s NOA from IRAS
Full-time student receiving stipends	Letter 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 if you are a full-time student taking up part-time work

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, etc.
• 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

Single Singapore Citizen Applicants

Assistance For	Single 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 For	Additional CPF Housing Grant for Singles
Recipient May Later Be Eligible For	Top-Up Grant

Grant Amount

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

Eligibililty

Citizenship	Singapore Citizen
Age	At 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 Status	You 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 Ceiling	Your 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 Type	2 to 5-room under the Single Singapore Citizen Scheme 2-room or bigger under other schemes
Remaining Lease of Flat	At least 30 years You can get a flat’s lease details with our HDB Map Services
Ownership/ Interest in Property	You 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 an HDB resale flat that has been announced for SERS
Time bar	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. Divorcees Within three years from the date of the divorce, only one party in the divorce can own one of the following housing units: a flat bought directly from the HDB a DBSS flat / EC bought directly from a private developer a resale flat bought from open market under the CPF Housing Grant Scheme If you have an existing matrimonial home, which is one of the above, and that home is retained by your ex-spouse, you may apply to buy or be listed as an essential occupier in any of the above housing unit only three years after your date of divorce. However, this three-year wait out period will not apply if you are buying any of the above homes with your parents or a new spouse, or if you are buying a resale flat from the open market without the CPF Housing Grant. If there is no matrimonial home or the matrimonial home was bought from the open market without any CPF Housing Grant, you may apply for any of the above housing units after you get your ex-spouse's consent not to own or be listed as an essential occupier in any of the above housing units within the three-year period from the date of divorce. The requirement for ex-spouse's consent is waived if you are buying any of the above housing units with your parents or a new spouse or if you are buying a resale flat from the open market without the CPF Housing Grant. The requirement to seek ex-spouse's consent during the three-year period from the date of divorce is also waived if you meet the following conditions: All your children are below 18 years old at the date of divorce; and You have the legal custody of all your children and are also the only parent with the care and control of all your children.

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 the above grant application, you and any other applicants and essential occupiers will need to prepare:

• Latest 3 months’ payslips if employed full-time (without commission or allowances)
• 12 months’ of income documents for other types of employment
• Proof of unemployment if not working

Aside from these documents, we may also request further documentation if needed.

Nature of Employment	Documents to Submit	Notes
Employed person	Latest 3 months’ payslips (month of application and preceding 2 months) or Letter from employer certifying salaries for the month of application and the preceding 2 months; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation Note: If your income includes allowance, we will require the latest 12 months’ payslips (month of application and preceding 11 months).	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.) Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted
Self-employed person	Latest 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	Assessment is based on the average gross monthly income for the past 12 months
Part-time worker	Latest 12 months’ payslips (month of application and preceding 11 months) or Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income for the past 12 months
Commission-based person	Latest 12 months’ commission statements/ payslips (month of application and preceding 11 months) or Letter from employer certifying salaries for the last 12 months (month of application and preceding 11 months); the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income for the past 12 months
Odd job worker	Latest NOA from IRAS and Previous year’s NOA from IRAS	Assessment is based on the average gross monthly income for the past 12 months
Unemployed person (between 18 to 62 years old)	Statutory Declaration to declare the employment status or Valid Student Pass 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	The Statutory Declaration can be made at the HDB Hub Loans Counter or any HDB Branch. Declarants are required to bring along their Identity Cards If not in Singapore, the Statutory Declaration can be made in the presence of a Commissioner for Oaths or Notary Public for that country

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.)
• Pension
• Stipend
• Sustenance

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

Additional CPF Housing Grant (Singles)

Amount	$2,500 to $20,000
Assistance For	Lower 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 Status	You must: Have been in continuous employment for 12 months before the flat application Still be employed during the flat application
Income Ceiling	The average monthly income of the Singapore Citizen for the 12 months before the flat application must not exceed $2,500.

Income Document Guidelines

Eligibility for the AHG (Singles) is based on these income guidelines. Aside from the mentioned documents, we may also request further documentation if needed.

Nature of Employment	Documents to Submit
Employed person	12 months’ payslips prior to flat application date Or Letter from employer certifying salaries for the 12 months prior to flat application date; 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 on full-time employment but on no-pay leave (e.g. for full-time studies) for the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your income for the AHG (Singles)
Self-employed person	Latest 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 person	12 months’ payslips/ commission statements prior to flat application date Or Letter from employer certifying salaries for the 12 months prior to flat application date. 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 worker	Latest NOA from IRAS And Previous year’s NOA from IRAS
Full-time student receiving stipends	Letter 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 if you are a full-time student taking up part-time work

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, etc.
• 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