get an agent

Buy with an Agent

Dedicated experts at your service

Documentation Services

Leave the paperwork to us

do it yourself

Browse New Launch Condos

Find new units for sale

Browse Resale Listings

Connect with sellers through our app

RESOURCES

Calculate Buyer’s Stamp Duty

Find the amount payable when buying

Affordability Calculator

Find the amount payable when buying

How to Buy an HDB

A step-by-step guide to buying HDB

How to Buy a Private Property

A step-by-step guide to buying condo/landed

get an agent

Sell with an Agent

Dedicated experts at your service

Documentation Services

Leave the paperwork to us

do it yourself

Post a Listing for Free

Connect with buyers through our app

RESOURCES

Calculate Seller’s Stamp Duty

Find the amount payable when selling

How to Sell my HDB

A step-by-step guide to selling HDB

How to Sell my Private Property

A step-by-step guide to selling condo/landed

HOME E-VALUATION

For tenants

Rent with an Agent

Dedicated experts at your service

RESOURCES

How to Rent an HDB

A step-by-step guide to renting HDB

How to Rent a Private Property

A step-by-step guide to selling condo/landed

For landlords

Lease with an Agent

Dedicated experts at your service

Lease Documentation

Leave the paperwork to us

RESOURCES

How to Lease an HDB

A step-by-step guide to renting HDB

How to Lease a Private Property

A step-by-step guide to selling condo/landed

Do it yourself

ARTICLE CATEGORIES

HDB

All things about public housing

Private Property

All things about private property

Home Improvement

Guides for must-know reno tips

Financing

All about mortgage solutions

Towns

Singapore townships in focus

Client Stories

Success stories from customers

Founders’ Message

From the desks of Rhonda & Race Wong

Buy a home for as low as $2,288!

Say ‘I do’ to your dream home with your significant other.
Share on facebook
Share on twitter
Share on email
Share on whatsapp
Engaged couples can buy their home using the hdb fiance fiancee scheme

HDB’s Fiancé/Fiancée Scheme: Eligibility Conditions and Grants

Maelyn Lagman

Maelyn Lagman

Share on facebook
Share on email
Share on whatsapp

Nothing says you’re growing old than when all your friends are getting engaged and moving in with a fiancé/fiancée. Though most of Gen Z would rather settle down abroad, most millennials stay in the city-state and buy a home together—for good reason, too. 

To settle down in Singapore means they can take advantage of the housing schemes and grants made available by the Housing Development Board (HDB). Engaged couples even have a specific HDB scheme that allows them to apply for their first matrimonial home before tying the knot. And isn’t a home the perfect cherry on top of a sweet ‘I do’? 

A Quick Overview

What is the Fiance/Fiancee Scheme?HDB allows you to purchase an HDB property with your partner as a family nucleus before marriage.
Who is this for?Those in committed relationships and have plans to tie the knot in the near future.
Eligibility Conditions:At least 21 years and aboveSingapore CitizenshipProof of marriage after key collection
Available Grants:Enhanced CPF Housing Grant (EHG)Family GrantProximity Housing Grant (PHG)Half-Housing Grant

Introducing the Fiancé/Fiancée Scheme

If you’re newly engaged or are thinking about proposing to your partner, this one is for you: HDB’s Fiancé/Fiancée Scheme allows you to apply for your first matrimonial home before getting married. 

But as with all HDB schemes, there are less-than-romantic criteria and conditions you have to meet. 

HDB’s Fiancé/Fiancée Scheme Eligibility Criteria for Resale and BTO Flats

Eligibility CriteriaHDB BTOHDB Resale
Age21 years old and above21 years old and above
If below the age of 18, a Special Marriage Licence from the Ministry of Social and Family Development is required for verification.
CitizenshipAt least one owner must be a Singapore Citizen (SC).
Your partner may be another SC or a Singapore Permanent Residents (SPR). 
SC or SPR only.
For SPR couples, the scheme also applies if you’re buying a resale flat; the only stipulation is that you must have held your SPR status for at least 3 years to be eligible.
EIP & SPR QuotaCouples must declare their racial group upon application. HDB will reflect the flats available for selection according to the available ethnic quota.
SPR quota is not applicable for BTO application.
Couples must also meet the Ethnic Integration Policy (EIP) and SPR quota for the block or neighbourhood when submitting the HDB resale flat application.
Income Ceiling(Average Gross Monthly Household Income)– 3-room flat: $7,000 or $14,000 (dependent on project)
– 4- and 5-room flats: $14,000
– Extended & multi-generation (3Gen): $21,000
No income ceiling to apply for a resale flat.
Family NucleusYour fiancé or fiancée must be listed in the application as either a co-applicant (if 21 years old or above) or an occupant.
Property Ownership– Must not own other property overseas or private properties locally
– Have not sold any private properties (local or overseas) within the last 30 months
– Cannot invest in or purchase any other property from the date of the flat application until after the 5-year Minimum Occupation Period (MOP)
– Must not have bought an HDB/DBSS flat or EC, or bought only one of those properties before
If you own other HDB or private properties (local or overseas), you must sell them within six months of the key collection of the resale flat purchase.

Other Special Conditions

woman calculating financial
But as with all HDB schemes, there are less-than-romantic criteria and conditions you have to meet for the Fiancé/Fiancée Scheme.

Condition #1: HDB needs your parents’ consent to purchase a flat

If you or your fiancé/fiancée are between the ages of 18 and 21, his or her parents must agree to the purchase of the HDB flat.

Also, if you or your fiancé/fiancée are below the age of 18, a Special Marriage Licence is required for verification.

Condition #2: You and your fiancé/fiancée must solemnise your marriage within 3 months from the resale completion date.

The solemnisation can be with the Registry of Civil Marriages or Registry of Muslim Marriages

But if your marriage is registered overseas, you need to submit a photocopy of your marriage certificate to HDB within 3 months from the resale completion date. 

Condition #3: Divorcees are required to produce three types of documents

If you or your fiancé/fiancée are divorcees, you must submit these three documents to HDB for verification: Final Judgment (otherwise referred to as Decree Nisi Absolute), Interim Judgment (or Decree Nisi), and Order of Court.

Financing your HDB: Can you actually afford to buy an HDB flat?

Planning for a marriage is all well and good until you realise you can’t afford the home you’ve been dreaming of sharing with your soon-to-be spouse. While that sucks, it doesn’t have to be a reality. 

You can get a CPF housing grant to financially cushion your home purchase. 

4 CPF Housing Grants under the HDB Fiancé/Fiancée Scheme:

husband and wife signing property
HDB’s Fiancé/Fiancée Scheme allows you to apply for your first matrimonial home before getting married. But you must solemnise your marriage within 3 months from the date of key collection.

1. Enhanced CPF Housing Grant (EHG)

One of the CPF Housing Grants under the HDB Fiancé/Fiancée Scheme is the EHG, which is applicable for first-time homebuyers with an average gross monthly household income of up to $9,000. 

You can get up to $80,000 in grants, depending on you and your fiancé/fiancée’s combined income.

To be eligible for the EHG, either you or your spouse/ fiancé(e) must have worked continuously for the past 12 months prior to the resale application and must still be working at the time you submitted the resale application.

2. Proximity Housing Grant (PHG)

Speaking of which, the PHG encourages Singaporean families to live near or with their parents.

You can get up to $20,000 in grants if your purchased flat is within 4 km of your parents’ home.

3. Family Grant

The Family Grant assists homebuyers who are married or engaged couples with a combined income ceiling of $14,000 (and not any higher).

You can get $50,000 in housing grants if you qualify, or up to $160,000 if you also qualify for the EHG and PHG.

4. Half-housing Grant

The Half-housing Grant is applicable for eligible first-timer applicants whose fiancé/fiancée had previously received a housing subsidy. This means they have either previously taken a Singles Grant; bought a 2-room BTO flat as a single; or received a family grant under another family nucleus to purchase a flat before. 

You can get $25,000 in grants for a 2- to -4-room flat or $20,000 for a 5-room (or bigger) flat.

The CPF housing grants depend on a range of factors, though.

So be sure to double-check with HDB if you truly qualify. Better yet, engage Ohmyhome Super Agents to do the research for you.


Frequently asked questions on HDB Fiancé/Fiancée Scheme Eligibility and Grants

What is the Financé/Fiancée scheme?

HDB’s Fiancé/Fiancée Scheme allows you to apply for your first matrimonial home before getting married. But you must solemnise your marriage within 3 months from the date of key collection.

Who is eligible for the HDB grant?

Singapore Citizens (SC) and Singapore Permanent Residents (SPR) with at least another Singapore Citizen can apply for four types of CPF grants under HDB’s Fiancé/Fiancée Scheme. They include the Enhanced CPF Housing Grant (EHG), Proximity Housing Grant (PHG), Family Grant, and Half-housing Grant.

Can a married couple own 2 HDB flats?

A married couple cannot own two flats at the same time. HDB will consider you to be one entity and thus, you can jointly own only one flat as a family nucleus. If either of you owned an HDB flat before you were married, you need to relinquish ownership of that flat upon marriage.

Can a married Singaporean buy an HDB flat alone?

A married person cannot buy an HDB flat under his or her name alone. The spouse must either be a co-owner or an occupant of the flat. 


Ready to buy an HDB flat? Buy a home with our Super Agents for a fee as low as $2,288. 

Check out thousands of our genuine and unique listings or search on the go and negotiate with sellers directly, for free!


Related posts:

Subscribe Now

Get a notification every time we upload a new blog post.

Buy a home for as low as $2,288!

Say ‘I do’ to your dream home with your significant other.

Featured Blogs

Your one-stop guide for must-know HDB tips

get an agent

Buy with an Agent

Dedicated experts at your service

Documentation Services

Leave the paperwork to us

Do it yourself

Browse New Launch Condos

Find new units for sale

Browse Resale Properties

Download the app and speak directly to sellers

RESOURCES

Affordability Calculator

Calculate required tax for selling

Calculate Buyer’s Stamp Duty

Find the amount payable when buying

How to Buy an HDB

A step-by-step guide to buying HDB

How to Buy a Private Property

A step-by-step guide to buying condo/landed

bUY OVERSEAS

get an agent

Sell with an Agent

Dedicated experts at your service

Documentation Services

Leave the paperwork to us

do it yourself

Post a Listing for Free

Download the app and connect with buyers

RESOURCES

Free Home E-Valuation

Know the value of your property in seconds!

Calculate Seller’s Stamp Duty

Find the amount payable when selling

How to Sell an HDB

A step-by-step guide to selling HDB

How to Sell my Private Property

A step-by-step guide to selling condo/landed

get an agent

Rent with an Agent

Dedicated experts at your service

do it yourself

Browse Rental Listings

Download the app and connect with landlords

RESOURCES

How to Rent an HDB

A step-by-step guide to renting HDB

How to Rent a Private Property

A step-by-step guide to renting condo/landed

get an agent

Lease with an Agent

Dedicated experts at your service

Lease Documentation

Leave the paperwork to us

do it yourself

Post a Listing for Free

Download the app and connect with tenants

RESOURCES

How to Lease my HDB

A step-by-step guide to renting out an HDB

How to Lease my Private Property

A step-by-step guide to renting out condo/landed

FEATURED ARTICLES

Ohmyhome Raises US$5M in Series A+ Funding

Ohmyhome, the leading Property 
One-Stop Shop Platform

ARTICLE CATEGORIES

HDB

All things about public housing

Private Property

All things about private property

Home Improvement

Guides for must-know reno tips

Financing

All about mortgage solutions

Towns

Singapore townships in focus

Client Stories

Success stories from customers

Founders’ Message

From the desks of Rhonda & Race Wong

Social media

Other