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Here’s a Simple Guide to the Enhanced Housing Grant (EHG)

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Out of all the CPF housing grants available, the Enhanced CPF Housing Grant (EHG) is one that you’ll most likely be eligible for. So let’s break down the eligibility criteria for the EHG, including the income ceiling, and the differences between the EHG, Additional Housing Grant (AHG), and Special CPF Housing Grant (SHG).

All you need to know about the Enhanced Housing Grant (EHG)

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What is the Enhanced Housing Grant (EHG)?

The EHG was introduced in September 2019 by The Ministry of National Development (MND) and HDB to replace the Additional Housing Grant (AHG) and Special CPF Housing Grant (SHG).

Under the EHG, eligible first-time flat buyers would enjoy a housing grant of up to $80,000 and up to $40,000 for eligible first-timer singles.

You can apply for the EHG if you are buying a:

  • 2-room Flexi flat on 99-year leases in a non-mature estate
  • 2-room Flexi flat on a short lease
  • HDB resale flat (up to 5-room flats under the Single Singapore Citizen Scheme, and all resale flats under the Joint Single Scheme)

All the eligibility conditions for EHG

Eligibility conditionsEHG
Income Ceiling1st timer family: $9,000 / month
1st timer single: $4,500 / month
Remaining Lease20 years or more
Grant AmountUp to $80,000
Eligible FlatsNew or resale. No restrictions on flat type and location.

EHG income ceiling

The monthly household income for first-time family buyers applying for the EHG should not exceed $9,000. Both spouses must also have been in continuous employment for 12 months before the flat application, and must still be working at the point of the flat application. The same applies to eligible first-timer single buyers (aged 35 and above), with a monthly income of up to $4,500.

How much EHG do you qualify for?

Eligible single first-timers can enjoy an EHG of up to $40,000, while families and joint singles scheme buyers (two unmarried individuals buying together) are eligible for up to $80,000 when purchasing either a BTO or resale flat. You may refer to the table below for the estimated EHG eligibility amount based on your average monthly income.

Take note: The BTO or resale HDB flat you’re buying must have a remaining lease that can cover you and/or your spouse to the age of 95. Otherwise, the EHG amount you’ll receive will be pro-rated.

EHG Amount for First-Timer Families and Joint Singles Scheme

Average Monthly Household IncomeGrant Amount
Not more than $1,500$80,000
$1,501 – $2,000$75,000
$2,001 – $2,500$70,000
$2,501 – $3,000$65,000
$3,001 – $3,500$60,000
$3,501 – $4,000$55,000
$4,001 – $4,500$50,000
$4,501 – $5,000$45,000
$5,001 – $5,500$40,000
$5,501 – $6,000$35,000
$6,001 – $6,500$30,000
$6,501 – $7,000$25,000
$7,001 – $7,500$20,000
$7,501 – $8,000$15,000
$8,001 – $8,500$10,000
$8,501 – $9,000$5,000
More than $9,000N/A
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EHG Amount for Single Singapore Citizen Scheme

Average Monthly IncomeGrant Amount
Not more than $750$40,000
$751 – $1,000$37,500
$1,001 – $1,250$35,000
$1,251 – $1,500$32,500
$1,501 – $1,750$30,000
$1,751 – $2,000$27,500
$2,001 – $2,250$25,000
$2,251 – $2,500$22,500
$2,501 – $2,750$20,000
$2,751 – $3,000$17,500
$3,001 – $3,250$15,000
$3,251 – $3,500$12,500
$3,501 – $3,750$10,000
$3,751 – $4,000$7,500
$4,001 – $4,250$5,000
$4,251 – $4,500$2,500
More than $4,500N/A

In addition to the EHG, you may also qualify for the CPF Housing Grant (up to $50,000) and/or Proximity Housing Grant (up to $30,000), which means you may enjoy up to $160,000 in CPF housing grants when combined with the EHG.

What are the differences between EHG, AHG, and SHG?

EHG for BTO buyers

In contrast to the former SHG, the EHG is universally applicable to all flat types and locations. Take, for instance, Couple A, whose average monthly household income amounts to $4,800. They are in the market for a 4-room BTO flat in Tampines, an established residential area. Thanks to the EHG, Couple A stands to benefit from an extra $40,000 in housing grants.

AHGSHGEHGTotal Grant Amount
Before 11 Sep 2019$5,000N/A$5,000
From 11 Sep 2019$45,000$45,000

EHG for HDB resale flat buyers

In the past, buyers of resale flats were limited to an AHG of $40,000 but not the SHG. However, with the introduction of the EHG, they can now benefit from an EHG of up to $80,000. This results in eligible first-time buyers of resale flats being able to access a total of up to $160,000 in housing grants, inclusive of the EHG (up to $80,000), CPF Housing Grant (up to $50,000), and PHG (up to $30,000).

Take Couple B for example, whose average monthly household income stands at $4,800. They’re in the process of purchasing a 4-room flat in a mature estate to reside close to their parents. With the EHG, Couple B is poised to receive an extra $40,000 in housing grants.

CPF Housing GrantAHGSHGEHGTotal Grant Amount
Before 11 Sep 2019$50,000$20,000$5,000$75,000
From 11 Sep 2019$50,000$20,000$45,000$115,000

The 4 key enhancements in the housing grant for first-timers

  1. Earning within the median monthly household income in Singapore is no longer a disadvantage since EHG’s income ceiling has been raised to $9,000. According to statistics, the median monthly household income in 2018 was $9,293.
  2. You can now purchase a flat with a remaining lease of 20 years or more. This will help to make older flats in mature estates more affordable giving them a new lease of life.
  3. The additional grants will allow families to afford a bigger home (4-room or bigger) making it spacious enough to live together and elevating living standards.
  4. Access to EHG for flats with a remaining lease of 20 years or more allows families to afford homes in mature estates which usually come with more developed dining, transportation, entertainment and other amenities.

What it means for you as a buyer

What remains unchanged is that the higher your income, the lower your grant amount. For example, if you earn between $8,501 to $9,000, your grant amount is $5,000.

However, the additional $40,000 in grants will help eligible families, especially those with lower household incomes, afford a roof over their heads.

Also, eligible first-time buyers of resale flats can enjoy up to $160,000 in housing grants, which include the EHG (up to $80,000), CPF Housing Grant (up to $50,000) and PHG (up to $30,000).

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Frequently Asked Questions

 1. Who can be considered a first-timer applicant?

You will be considered a first-timer applicant if you have not received any housing subsidy from HDB.

2. How do I apply for the EHG?

If eligible, please complete and sign the EHG application form given in your invitation letter and submit it to HDB during your flat booking appointment.

3. How is the grant released to me?

The CPF housing grant will be fully credited into the CPF Ordinary Accounts of eligible Singapore Citizen (SC) applicants and no cash disbursement is involved.

4. What is the usage of CPF housing grants?

CPF housing grants can be used to offset the purchase price of the flat.

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