FIRST TIMER APPLICANTS

HDB Resale Flat

First-Timer Applicants

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.

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)

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 (marriage certificate must be produced before the date of completion of the flat purchase)
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 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 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

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 EmploymentDocuments to SubmitNotes
Employed personLatest 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 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
Assessment is based on the average gross monthly income for the past 12 months
Part-time workerLatest 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 personLatest 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 workerStatutory 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 (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

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 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
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 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 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 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 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 income ceiling

  • Alimony allowance
  • Bonuses
  • Income from overtime work
  • Interest from deposit accounts
  • National Service Allowance
  • Pension
  • Rental income
  • Scholarship overseas allowance
FIRST TIMER AND SECOND TIMER COUPLE APPLICANTS

HDB Resale Flat

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 (marriage certificate must be produced before the date of completion of the flat purchase)
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 privatisation of HUDC estate
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 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 an HDB resale flat that has been announced for SERS

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

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 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 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 EmploymentDocuments to SubmitNotes
Employed personLatest 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 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
Assessment is based on the average gross monthly income for the past 12 months
Part-time workerLatest 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 personLatest 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 workerLatest 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 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

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 EmploymentDocuments to Submit
Employed person12 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 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 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 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 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
LIVING WITH/NEAR PARENTS OR MARRIED CHILD

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 forFamily - 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
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. 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.
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 (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 StatusYou have not received the PHG previously.
Proximity ConditionFamily

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 Type2-room or bigger
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’/ married child’s HDB flat or owner-occupied private residential property. 
NON-CITIZEN SPOUSE SCHEME (NCS)

Non-Citizen Spouse Scheme (NCS)

If you are a 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)

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

Grant Amount

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

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 TypeAt 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

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

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 EmploymentDocuments to SubmitNotes
Employed personLatest 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 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
Assessment is based on the average gross monthly income for the past 12 months
Part-time workerLatest 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 personLatest 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 workerLatest 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 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

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 EmploymentDocuments to Submit
Employed person12 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 person12 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 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 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

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 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 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.

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 EmploymentDocuments to SubmitNotes
Employed personLatest 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 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
Assessment is based on the average gross monthly income for the past 12 months
Part-time workerLatest 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 personLatest 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 workerLatest 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

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

Nature of EmploymentDocuments to Submit
Employed person12 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 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 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 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 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

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 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.

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 EmploymentDocuments to SubmitNotes
Employed personLatest 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 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
Assessment is based on the average gross monthly income for the past 12 months
Part-time workerLatest 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 personLatest 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 workerLatest 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 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

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 EmploymentDocuments to Submit
Employed person12 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 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 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 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 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
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