CPF housing grant for 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 (photocopy of your marriage certificate must be submitted within 3 months from the resale completion date, if your marriage is registered overseas)
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 HUDC estate privatisation
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	Flat buyers and occupiers listed in the flat applicants must not: Own any of the following properties whether locally or overseas, or have disposed of any such properties in the 30 months before your resale flat application: Private residential property (including privatised HUDC flats and ECs) House Building Land Be buying an HDB resale flat that has been announced for SERS

CPF housing grant Top-Up Grant

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

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

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

Nature of Employment	Documents to Submit	Notes
Employed person	#3 months’ payslips preceding the month of application or Letter from employer certifying salaries for #3 month of application; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation Note: If your income includes allowance, we will require *6 months’ payslips preceding the month of application	Assessment is based on the average gross monthly income, which: Excludes bonuses and income earned from overtime work Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.) If you are employed full-time but on no-pay leave for less than 6 months, we will consider you as employed and use your last drawn pay for assessment. If you are on no-pay leave for 6 months or more, your income will not be considered in the assessment. Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) will not be accepted
Self-employed 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 and Undertaking affirming the average gross month income for *6 months preceding the month of application	Assessment is based on the average gross monthly income The undertaking for applicants/ occupiers to affirm their average gross monthly income will be sent to applicants via email (if required)
Part-time worker	*6 months’ payslips preceding the month application or Letter from employer certifying salaries for 6 month preceding the month of application ; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income
Commission-based person	*6 months’ commission statements/ payslips preceding the month of application or Letter from employer certifying salaries for 6 months preceding the month of application; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income
Odd job worker	Latest NOA from IRAS or Letter from employer certifying salaries for *6 months preceding the month of application; the letter must contain the: Company stamp/ letterhead Certifying officer's name, signature, and designation	Assessment is based on the average gross monthly income
Unemployed person (between 18 to 62 years old)	Valid Student Pass or letter from school/ college/ institute of learning to confirm student status, if currently a full-time student If unemployed for less than 3 months, the following documents are required: Income proof for the preceding month(s) from the previous employer stating gross monthly income and last day of service Latest 15 months’ CPF contribution history

Income/ allowance that will be considered for the income assessment

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

Income/ allowance will not considered for the income assessment

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

Additional CPF Housing Grant (Singles)

Amount	$2,500 - $20,000
Assistance 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

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

Nature of Employment	Documents to Submit
Employed person	12 months’ payslips prior to flat application date Or Letter from employer certifying salaries for the 12 months preceding the flat application. The letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation And CPF Yearly Statement of Account for current year and the immediate past year CPF statements showing contributions for the 12 months prior to flat application date Note: If you are employed on full-time employment but on no-pay leave (e.g. for full-time studies) for less than 6 months out of the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your eligibility for the housing grant(s). If you are employed full-time but on no-pay leave for 6 months or more out of the 12 months in review, your income will not be considered in the assessment.
Self-employed 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 preceding to flat application Or Letter from employer certifying salaries for the 12 months preceding the flat application. The letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation And (for commission-based person) CPF Yearly Statement of Account for current year and the immediate past year CPF statements showing contributions for the 12 months prior to flat application
Odd job 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 the application and the education institute stating the conditions of the stipend Note: You will be considered as employed if, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving you the stipend You are not considered as employed for all other work done during full-time studies

Income/ allowance that will be considered for the income ceiling

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

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

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

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

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

CPF housing grant income documents guidelines

Nature of Employment	Documents to Submit
Employed person	12 months' payslips preceding the flat application or Letter from employer certifying salaries for 12 months preceding the flat application. the letter must contain the: Company stamp/ letterhead Certifying officer's name, signature and designation And CPF Yearly Statement of Account for current year and immediate past year CPF statements showing contributions for the 12 months preceding the flat application Notes: If you are employed full-time but on no-pay leave (e.g. full-time studies) for less than 6 months out of the 12 months in review, we will consider you as employed and take your last drawn full-time pay to assess your eligibility for the housing grant(s) If you are employed full-time but on no-pay leave for 6 months or more out of the 12 months in review, your income will not be considered in the assessment
Self-employed 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 statement preceding the flat application or Letter from employer certifying salaries for the 12 months preceding the flat application The letter must contain the: Company stamp/ letterhead Certifying officer's name, signature and designation And (for commission-based person) CPF Yearly Statement of Account for current yer and the immediate past year CPF statements showing contributions for the 12 months preceding the flat application
Odd job worker	Latest NOA from IRAS And Previous year's NOA from IRAS
Full-time student receiving stipends	Letter from the education insititute stating the period and nature of study (full or part-time) Copy of signed contract between the applicant and the education institute stating the conditions of the stipend Notes: You will be considered as employed if, during full-time studies, you receive stipends which are work-related, e.g. you conduct teaching/ research work for the educational institute giving the stipend You will not be considered as employed for all other work done during full-time studies

Income/ allowance that will be considered for the income ceiling

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

Income/ allowance that is not considered for the income ceiling

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

Examples 1

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

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

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

Example 2

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

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

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

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

For more details, click here

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

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

CPF housing Grant Amount

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

CPF housing grant 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	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	Flat buyers and occupiers listed in the flat applicants must not: Own any of the following properties whether locally or overseas, or have disposed of any such properties in the 30 months before your resale flat application: Private residential property (including privatised HUDC flats and ECs) House Building Land Be buying an HDB resale flat that has been announced for SERS

Example

• Grant Amount = $25,000

Income Document Guideline

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

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

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

Nature of Employment	Documents to Submit	Notes
Employed person	#3 months’ payslips preceding the month of application or Letter from employer certifying salaries for #3 month preceding the months of application; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation Note: If your income includes allowance, we will require 6 months’ payslips preceding the month of application.	Assessment is based on the average gross monthly income, which: Excludes bonuses and income earned from overtime work Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.) If you are employed full-time but on no-pay leave for less than 6 months, we will consider you as employed and use your last drawn pay for assessment. If you are on no-pay for 6 months or more, your income will not be considered in the assessment. Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) is not accepted
Self-employed 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 and Undertaking affirming the average gross monthly income for *6 months preceding the month of application	Assessment is based on the average gross monthly income The undertaking for applicants/ occupiers to affirm their average gross monthly income will be sent to applicants via email (if required)
Part-time worker	*6 months’ payslips preceding the month of application or Letter from employer certifying salaries for 6 months preceding the months of application; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income
Commission-based person	*6 months’ commission statements/ payslips preceding the month of application or Letter from employer certifying salaries for 6 months preceding the month of application; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income
Odd job worker	Latest NOA from IRAS and Letter from employer certifying salaries for 6 months preceding the month of application; the letter must contain the: Company stamp/ letterhead Certifying officer's name, signature, and designation	Assessment is based on the average gross monthly income
Unemployed person (between 18 to 62 years old)	Valid Student Pass or letter from school/ college/ institute of learning to confirm student status, if currently a full-time student If unemployed for less than 3 months, the following documents are required: Income proof for the preceding month(s) from the previous employer stating their gross monthly income and last day of service Latest 15 months’ CPF contribution history

Income/ allowance that will be considered for the income assessment

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

Income/ allowance will not be considered for the income assessment

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

CPF Housing Grant – Additional (Singles)

Amount	$2,500 - $20,000
Assistance 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

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

Nature of Employment	Documents to Submit
Employed person	12 months’ payslips preceding the flat application Or Letter from employer certifying salaries for 12 months preceding the flat application. The letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation And CPF Yearly Statement of Account for current year and the immediate past year CPF statements showing contributions for the 12 months preceding the flat application Note: If you are on full-time employment but on no-pay leave (e.g. for full-time studies) for less than 6 months out of the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your eligibility for the housing grant(s) If you are employed full-time pay but no-pay leave for 6 months or more out of the 12 months in reviews, your income will not be considered in the assesment
Self-employed 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 preceding the flat application Or Letter from employer certifying salaries for the 12 months preceding the flat application. The letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation And (for commission-based person) CPF Yearly Statement of Account for current year and the immediate past year CPF statements showing contributions for the 12 months prior to flat application date
Odd job 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 for all other work during full-time studies

Income/ allowance that will be considered for the income ceiling

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

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

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

Joint Singles Scheme or Orphans Scheme

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 overseas, or have disposed of any such properties in the 30 months before your resale flat application: Private residential property (including HUDC flats and ECs) House Building Land Be buying a 1-room flat or flat that has been announced for SERS
Time 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.

Examples

Example 1

Ali is a single Singapore Citizen aged 40. His monthly salary is $2,800. He is buying a 3-room HDB resale flat under the Single Singapore Citizen Scheme.

• Grant Amount = $25,000

Example 2

Wing Yong is 37 years old with a monthly salary of $2,400. Heng Chong is 35 years old with a monthly salary of $3,000. Soon Meng is 36 years old with a monthly salary of $2,500. They are all Singapore Citizens and want to jointly buy an HDB 4-room resale flat under the Joint Singles Scheme.

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

Example 3

Kent is a 28-year-old Singapore Citizen with a monthly salary of $5,000. He is married to Sally, an Australian citizen holding a social visit pass valid for 1 year. She is a housewife and not drawing an income. They are buying an HDB 4-room resale flat under the Non-Citizen Spouse Scheme.

• Grant Amount = $25,000

Income Document Guidelines

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

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

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

Nature of Employment	Documents to Submit	Notes
Employed person	#3 months’ payslips preceding the month of application or Letter from employer certifying salaries for #3 months preceding the month of application; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation Note: If your income includes allowance, we will require 6 months’ payslip preceding the month application.	Assessment is based on the average gross monthly income, which: Excludes bonuses and income earned from overtime work Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.) If you are employed full-time but on no-pay leave for less than 6 months, we will consider you as employed and use your last draw pay for assessment. If you are on no-pay leave for 6 months or more, your income will not be considered in the assessment. Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) will not be accepted
Self-employed 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 and Undertaking affirming the average gross monthly income for *6 months preceding the month of application	Assessment is based on the average gross monthly income The undertaking for applicants/ occupiers to affirm their average gross monthly income will be sent to applicants via email (if required)
Part-time worker	Latest 6 months’ payslips preceding the month of application or Letter from employer certifying salaries for 6 month preceding the month of application; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income
Commission-based person	6 months’ commission statements/ payslips preceding the month of application or Letter from employer certifying salaries for the 6 months preceding the month of application; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income
Odd job worker	Latest NOA from IRAS and Letter from employer certifying salaries for *6 months preceding the month of application; the letter must contain the: Company stamp/ letterhead Certifying officer's name, signature and designation	Assessment is based on the average gross monthly income
Unemployed person (between 18 to 62 years old)	Valid Student Pass or letter from school/ college/ institute of learning to confirm student status. If currently a full-time student If unemployed for less than 3 months, the following documents are required: Income proof for the preceding month(s) from the previous employer stating their gross monthly income and last day of service Latest 15 months’ CPF contribution history

Income/ allowance that will be considered for the income ceiling

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

Income/ allowance not considered for the income ceiling

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

Additiional CPF Housing Grant

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

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

Nature of Employment	Documents to Submit
Employed person	12 months’ payslips preceding the flat application Or Letter from employer certifying salaries for 12 months preceding the flat application; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation And CPF Yearly Statement of Account for current year and the immediate past year CPF statements showing contributions for the 12 months preceding the flat application Note: If you are employed full-time but on no-pay leave (e.g. for full-time studies) for less than 6 months out of the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your eligibility for the housing grant(s) If you are employed full-time but on no-pay leave for 6 months or more out of the 12 months in review, your income will not be considered in the assessment.
Self-employed 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 preceding the flat application Or Letter from employer certifying salaries for the 12 months preceding the flat application. The letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation And (for commission-based person) CPF Yearly Statement of Account for current year and the immediate past year CPF statements showing contributions for the 12 months prior to flat application
Odd job 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 for all other work done during full-time studies

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

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

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

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

Single Singapore Citizen Applicants

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 privatised 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.

Example

Ali is a single Singapore Citizen aged 40. His monthly salary is $2,800. He is buying a 3-room HDB resale flat under the Single Singapore Citizen Scheme.

• Grant Amount = $25,000

Income Document Guidelines

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

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

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

Nature of Employment	Documents to Submit	Notes
Employed person	#3 months’ payslips preceding the month of application or Letter from employer certifying salaries for #3 month preceding the month of application; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation Note: If your income includes allowance, we will require 6 months’ payslips preceding the month of application	Assessment is based on the average gross monthly income, which: Excludes bonuses and income earned from overtime work Includes allowances (fixed/ variable) received on a regular basis (e.g. allowances for food, transport, laundry, uniform, etc.) If you are employed full-time but on no-pay leave for less than 6 months, we will consider you as employed and use your last drawn pay for assessment. If you are on no-pay leave for 6 months or more, your income will not be considered in the assessment. Notice of Assessment (NOA) from the Inland Revenue Authority of Singapore (IRAS) will not be accepted
Self-employed 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 and Undertaking affirming the average gross monthly income for *6 months preceding the month of application	Assessment is based on the average gross monthly income The undertaking for applicants/ occupiers to affirm their average gross monthly income will be sent to applicants via email (if required)
Part-time worker	6 months’ payslips preceding the month of application or Letter from employer certifying salaries for 6 months preceding the month of application; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income
Commission-based person	*6 months’ commission statements/ payslips preceding the month of application or Letter from employer certifying salaries for 6 months preceding the month of application; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation	Assessment is based on the average gross monthly income
Odd job worker	Latest NOA from IRAS and Letter from employer certifying salaries for *6 months preceding the month of application: the letter must contain the: Company stamp/ letterhead Certifying officer's name, signature and designation	Assessment is based on the average gross monthly income
Unemployed person (between 18 to 62 years old)	Valid Student Pass or letter from school/ college/ institute of learning to confirm student status, if currently a full-time student If unemployed for less than 3 months, the following documents are required: Income proof for the preceding month(s) from the previous employer stating their gross monthly income and last day of service Latest 15 months’ CPF contribution history

Income/ allowance that will be considered for the income assessment

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

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

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

Additional CPF Housing Grant (Singles)

Amount	$2,500 to $20,000
Assistance 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

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

Nature of Employment	Documents to Submit
Employed person	12 months’ payslips preceding the flat application Or Letter from employer certifying salaries for the 12 months preceding the flat application; the letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation And CPF Yearly Statement of Account for current year and the immediate past year CPF statements showing contributions for the 12 months preceding the flat application Note: If you are employed full-time but on no-pay leave (e.g. for full-time studies) for less than 6 months out of the 12 months in review, we will consider you as employed and take your last drawn full-time pay to access your eligibility for the housing grant(s) If you are employed full-time but on no-pay leave for 6 months or more out of the 12 months in review, your income will not be considered in the assessment.
Self-employed 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 preceding the flat application Or Letter from employer certifying salaries for the 12 months preceding to flat application. The letter must contain the: Company stamp/ letterhead Certifying officer’s name, signature, and designation And (for commission-based person) CPF Yearly Statement of Account for current year and the immediate past year CPF statements showing contributions for the 12 months preceding the flat application
Odd job 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 for all other work done during full-time studies.

Income/ allowance that will be considered for the income ceiling

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

Income/ allowance this is not considered for the income ceiling

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

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

Assistance for	Family - Married/ engaged couples or families who are buying an HDB resale flat to live with or near their parents/ child Singles - Singles buying an HDB resale flat to live with or near their parents
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. 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 (photocopy of your marriage certificate must be submitted within 3 months from the resale completion date, if your marriage is registered overseas), or children under your legal custody, care and control (if widowed/divorced#) #If the care and control of your children under the age of 21 is shared with your ex-spouse, you must obtain his/her written agreement before you can list your children in a flat application. If you face difficulties in obtaining the agreement or have a question for us, please send us an email at [email protected] Singles You are applying under any of the following schemes: Single Singapore Citizen Scheme Joint Singles Scheme Public Scheme Non-Citizen Spouse Scheme
Household Status	You have not received the PHG previously.
Proximity Condition	The parents/ child (if child is single, he/ she must be aged 35 and above) helping you to qualify for the PHG must be: living with you in the resale flat you intend to buy or living in an HDB flat or private residential property, which is within 4 km of the resale flat you intend to buy Do note that: As for the parents/ child helping the grant applicant qualify for the PHG, at least one of them must be a Singapore Permanent Resident. If your parents/ child do not own the private residential property, it must be owned by their immediate family members (defined as child or adopted child, parent(s) or parent(s)-in-law, or siblings).
Flat Type	Singles living near parents - 2 to 5 room flat Singles living with parents - Any flat type
Remaining Lease of Flat	At least 30 years. You can get a flat’s lease details with our HDB Map Services.

Distance enquiry check