CPF Housing Grants – How Much Can You Get When Buying an Resale HDB Flat?
This article discusses in details the three types of CPF Housing Grant available for HDB resale flat buyers: CPF Housing Grant, Enhanced CPF Housing Grant, and Proximity Housing Grant for families, couples, and singles.
Many resale HDB flat buyers use CPF housing grants they’re eligible for to help fund their home purchase, especially as property prices continue to rise year after year. Each grant has different eligibility requirement, and it is not easy to understand which one and the amount of grant you are eligible for.
There are generally three types of CPF housing grants available for resale HDB flats:
Table of Contents
Full Grants for Couples or Families
Grant Amount for 1st timer households (Updated on 14 Feb 2023)
Half Grants for Couples or Families of which The Other Buyer is a 2nd Timer
Grant Amount for 2nd timer couples
#2: Enhanced CPF Housing Grant (EHG)
Eligibility Conditions For Couples / Families
Grant Amount For Couples / Families
Eligibility Conditions For Singles
#3: Proximity Housing Grant (PHG)
Eligibility Conditions For Couples / Families
Conditions for buyers living with their parents or within 4km of their parents’ property
Eligibility Conditions For Singles
Conditions for buyers living with their parents or within 4km of their parents’ property
Let's dive into the details.
#1: CPF Housing Grants
Full Grants for Couples or Families
Eligibility Conditions
| Eligible For | – 1st timer couple or family |
| Income Ceiling | – $14,000 (for couples) – $21,000 (with family members, such as parents) |
| Citizenship | – 1 Singapore Citizen – The other buyer can be an SC or Permanent Resident (PR) |
| Age | Min. 21 years old |
| HDB Remaining Lease | > 20 years |
| Private Property Ownership | – Must not own any private property in Singapore or overseas – Haven’t sold any private property 30 months prior to the flat application |
Grant Amount for 1st timer households (Updated on 14 Feb 2023)
| Household Structure | Buying 2- to 4-room Resale Flat | Buying 5-room or larger Resale Flat |
| SC-SC | $80,000 | $50,000 |
| SC-PR | $40,000 | $30,000 |
SC-PR couple receives less grant amount however, after the PR has converted into Singapore Citizen, he/she can apply to HDB branch office to get the shortfall.
Half Grants for Couples or Families of which The Other Buyer is a 2nd Timer
As the name suggests, this half grant is intended for couples or families with one 2nd timer applicant.
Eligibility Conditions
| Eligible For | 1st timer SC applicant with 2nd timer fiance/spouse |
| Income Ceiling | – $14,000 (for couples) – $21,000 (with family members, such as parents) |
| Citizenship | 1 Singapore Citizen and the other buyer can be an SC or Permanent Resident (PR) |
| Age | At least 21 years old |
| HDB Remaining Lease | > 20 years |
| Private Property Ownership | – Must not own any private property in Singapore or overseas – Haven’t sold any private property 30 months prior to the flat application |
| Flat Type | 2-room flat or bigger |
Grant Amount for 2nd timer couples
| Household Structure | Buying 2- to 4-room Resale Flat | Buying 5-room or larger resale flats |
| SC-SC | $25,000 | $20,000 |
#2: Enhanced CPF Housing Grant (EHG)
The EHG amount you will receive will be based on the average gross monthly income that you and your fiance/spouse have gotten for all of the months within the 12-month period before the application. Both incomes will be assessed and shall not exceed $9,000/month. First-timer families may qualify for an EHG of up to $80,000, while a couple comprising a first-timer and second-timer may qualify for an EHG (Singles) of up to $40,000.
Eligibility Conditions For Couples / Families
| Eligible For | – 1st timer couple or family – 1st time SC buyer with a fiance/spouse who has previously gotten a housing grant subsidy |
| Employment | Employed during, and at least 12 months (1 year) prior to, the HDB application |
| Income Ceiling | – 1st timer household: $9,000 – 1st timer & 2nd timer couple: $4,500 |
| HDB Remaining Lease | – More than 20 years – Must cover the youngest buyer up to 95 y.o. to qualify for the full EHG amount. Otherwise, it will be pro-rated. |
| Private Property Ownership | – Must not own private property in Singapore or overseas – Haven’t sold private property 30 months prior to the flat application |
| EHG amount | $5,000 – $80,000 |
Grant Amount For Couples / Families
|
Average Monthly Household Income |
EHG Amount |
|
Not more than $1,500 |
$80,000 |
|
$1,501 to $2,000 |
$75,000 |
|
$2,001 to $2,500 |
$70,000 |
|
$2,501 to $3,000 |
$65,000 |
|
$3,001 to $3,500 |
$60,000 |
|
$3,501 to $4,000 |
$55,000 |
|
$4,001 to $4,500 |
$50,000 |
|
$4,501 to $5,000 |
$45,000 |
|
$5,001 to $5,500 |
$40,000 |
|
$5,501 to $6,000 |
$35,000 |
|
$6,001 to $6,500 |
$30,000 |
|
$6,501 to $7,000 |
$25,000 |
|
$7,001 to $7,500 |
$20,000 |
|
$7,501 to $8,000 |
$15,000 |
|
$8,001 to $8,500 |
$10,000 |
|
$8,501 to $9,000 |
$5,000 |
Eligibility Conditions For Singles
| Eligible For | – >35 y.o. 1st timer buying as a single – >35 y.o. 1st timer buying with other singles – >35 y.o. 1st timer buying with parents – 21 y.o. (or older) 1st timer buying with non-resident spouse |
| Income Ceiling | – $7,000 (as a single) – $14,000 (with family members or other singles) |
| Citizenship | Singapore Citizen |
| HDB Remaining Lease | More than 20 years |
| Private Property Ownership | – Must not own private property in Singapore or overseas – Haven’t sold private property 30 months prior to the flat application |
Grant Amount For Singles
|
Half of the Average Monthly Household Income |
EHG (Singles) Amount |
|
Not more than $750 |
$40,000 |
|
$751 to $1,000 |
$37,500 |
|
$1,001 to $1,250 |
$35,000 |
|
$1,251 to $1,500 |
$32,500 |
|
$1,501 to $1,750 |
$30,000 |
|
$1,751 to $2,000 |
$27,500 |
|
$2,001 to $2,250 |
$25,000 |
|
$2,251 to $2,500 |
$22,500 |
|
$2,501 to $2,750 |
$20,000 |
|
$2,751 to $3,000 |
$17,500 |
|
$3,001 to $3,250 |
$15,000 |
|
$3,251 to $3,500 |
$12,500 |
|
$3,501 to $3,750 |
$10,000 |
|
$3,751 to $4,000 |
$7,500 |
|
$4,001 to $4,250 |
$5,000 |
|
$4,251 to $4,500 |
$2,500 |
The grants are credited directly into your CPF Ordinary Account as a form of CPF top-up.
#3: Proximity Housing Grant (PHG)
If you’re looking to live with or near your parents/child, these are the grant amounts you may receive:
- $30,000 to live with your parents/child
- $20,000 to live near your parents/child (within 4km)
Eligibility Conditions For Couples / Families
| Eligible For | Couples or families who have not taken the Proximity Housing Grant (PHG) before |
| Income Ceiling | – Singapore Citizen – The other buyer can be an SC or Permanent Resident (PR) |
| Citizenship | – 1 Singapore Citizen – The other buyer can be an SC or Permanent Resident (PR) |
| Age | At least 21 y.o. |
| HDB Remaining Lease | More than 20 years |
Conditions for buyers living with their parents or within 4km of their parents’ property
| Criteria | Parents/Married Child | Single Child |
| Age | N.A. | >35 y.o. |
| Citizenship | SC or PR |
SC or PR
|
This also applies to older couples looking to stay with their married children.
Proximity Conditions
- Your parents or married child must be living with you in the resale HDB flat you intend to buy, and they must be included as co-applicants or essential occupiers. The latter refers to those who don’t have ownership of the flat but must remain in the flat application and during the minimum occupation period (MOP).
- Your parents or married child must be living within 4km of the resale HDB flat (also within the MOP) you intend to buy. If they don’t own the property they’re living in, it must be owner-occupied by immediate family members, i.e. child or adopted child, parent(s) or parent(s)-in-law, or siblings
Eligibility Conditions For Singles
If you’re looking to live with or near your parents/child, these are the grant amounts you may receive:
- $15,000 to live with your parents/child
- $10,000 to live near your parents/child (within 4km)
| Eligible For | – >35 y.o. 1st timer buying as a single – >35 y.o. 1st timer buying with other singles – >35 y.o. 1st timer buying with parents – 21 y.o. (or older) 1st timer buying with non-resident spouse |
| Income Ceiling | – $7,000 (as a single) – $14,000 (with family members or other singles) |
| Citizenship | Singapore Citizen |
| HDB Remaining Lease | More than 20 years |
| Flat Type | – Any, for singles living with parents or applicants buying with their non-resident spouse – 2 to 5-room flat, for singles living near parents |
Also, take note: Parents buying their child’s flat will not be eligible for the PHG.
Conditions for buyers living with their parents or within 4km of their parents’ property
| Criteria | Parents/Married Child | Single Child |
| Age | N.A. | >35 y.o. |
| Citizenship | SC or PR |
SC or PR |
This also applies to older couples looking to stay with their married children.
Proximity Conditions
- Your parents or married child must be living with you in the resale HDB flat you intend to buy, and they must be included as co-applicants or essential occupiers. The latter refers to those who don’t have ownership of the flat but must remain in the flat application and during the minimum occupation period (MOP).
- Your parents or married child must be living within 4km of the resale HDB flat (also within the MOP) you intend to buy. If they don’t own the property they’re living in, it must be owner-occupied by immediate family members, i.e. child or adopted child, parent(s) or parent(s)-in-law, or siblings.
If you’re eligible for all the grants, the maximum grant amount you can get for your resale HDB flat is as follows:
Families buying HDB 4R flats and smaller:
CPF Housing Grant $80,000 + Enhanced CPF Housing Grant $80,000 + Proximity Housing Grant $30,000 = $190,000
Families buying HDB 5R flats and bigger:
CPF Housing Grant $50,000 + Enhanced CPF Housing Grant $80,000 + Proximity Housing Grant $30,000 = $160,000
By knowing the CPF housing grant you’re eligible for may not be enough for you to successfully purchase the flat you’re interested in. To make sure you get to live in your dream home, click on Contact Pinnacle button below, and we’ll be in touch with you in a minute.
Our agent holds BSc. (Real Estate) Hons. from the National University of Singapore (NUS) and achieved SEAA Gold awards in 2021 & 2022, the only national-level awards recognised by the Council for Estate Agencies (CEA), and holds more than 10 years of experience.
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