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Comparison of 6 CPF Housing Grants for HDB Flats

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If you’re one of the many who are looking to purchase an HDB flat, don’t fret – there are CPF Housing Grants that could assist you in doing so. The eligibility requirements offered are flexible, and so people from all kinds lifestyles and situations can apply.

To support Singaporeans in buying a flat, HDB provides various housing grants to eligible flat buyers. The housing grants are applicable for flat applications received from Sep 2019 sales launch onwards.

Ministry of National Development (MND) and the Housing & Development Board (HDB) introduced a new Enhanced CPF Housing Grant (EHG) to replace the existing AHG and SHG. To benefit more first-timer home seekers, the EHG will be made available to eligible buyers, regardless of whether they purchase a new or resale flat. There are also no restrictions on flat buyers’ choice of flat type and location.

comparison-cpf-housing-grants-hdb-flats-key

Eligible first-timer families will be able to enjoy an EHG of up to $80,000 when they buy a flat that can cover them and their spouses to the age of 95. This change ensures that all Singaporeans will be able to live comfortably in a home that can last them for life.

Comparison of CPF Housing Grants

Grant Income Ceiling Previous Housing Subsidies
First-timer Applicants $9,000 You and all other co-applicants and essential occupiers are all first-timers.
Second-timer Applicants $7,000 Available to eligible second-timers applying for a second subsidised HDB flat.
First-Timer and Second-Timer Couple Applicants $4,500 One applicant is a first-timer.
Non-Citizen Spouse Scheme $4,500 You may be eligible for EHG.
Single Singapore Citizen Scheme $4,500 As a first-timer you may be eligible for EHG.
Joint Singles Scheme or Orphans Scheme $9,000 All applicants are first-timers.

Summary of CPF Housing Grants

1. First-timer Applicants

If you are applying for a flat as a first-timer household, you may be eligible for the Enhanced CPF Housing Grant (EHG). You and/or your spouse/ fiancé(e) are employed at the time you submitted the flat application, and have been continuously employed for the 12 months prior to the flat application

2. Second-timer Applicants

The Step-Up CPF Housing Grant is available to eligible second-timers applying for a second subsidised HDB flat.

3. First-Timer and Second-Timer Couple Applicants

As a couple comprising a first-timer and second-timer (FT/ ST couple), you may be eligible for the Enhanced CPF Housing Grant (EHG) (Singles). You and/ or your spouse/ fiancé(e) are employed at the time you submitted the flat application, and have been continuously employed for the 12 months prior to the flat application

4. Non-Citizen Spouse Scheme

When applying for a flat under the Non-Citizen Spouse Scheme (NCS), you may be eligible for the Enhanced CPF Housing Grant (EHG) (Singles). You and/or your spouse are employed at the time you submitted the flat application, and have been continuously employed for the 12 months prior to the flat application

comparison-6-cpf-housing-grants-hdb-flats-single

5. Single Singapore Citizen Scheme

As a first-timer single Singapore Citizen (SC) who is 35 years old or above, you may be eligible for the Enhanced CPF Housing Grant (EHG) (Singles). You must be employed at the time you submitted the flat application, and have been continuously employed for the 12 months prior to the flat application

6. Joint Singles Scheme or Orphans Scheme

Single Singapore Citizens (SCs) who are 35 years old or above may be eligible for the Enhanced CPF Housing Grant (EHG) if they are applying for:

  • A new 2-room Flexi flat in a non-mature estate under the Joint Singles Scheme
  • A flat (regardless of flat type) under the Orphans Scheme

To qualify for Joint Singles Scheme or Orphans Scheme, at least one applicant is employed at the time of submitting the flat application, and has been continuously employed for the 12 months prior to the flat application.

For all these housing grants, the flat that you are planning to buy must have sufficient remaining lease of 20 years or more.

Planning to buy an HDB? Here’s a 6-Step Guide to Buy Your HDB without an Agent.
If you plan to sell your HDB, learn How to Sell your HDB in 3 Weeks.

We understand that buying a home is a milestone. Our mortgage specialist can assist you in exploring the best home loan across all banks’ mortgage packages suited to your needs.

Call us at 6886 9009 and get a free mortgage advice!

Source: HDB


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While the Information is considered to be true and correct at the date of publication, changes in circumstances after the time of publication may impact on the accuracy of the Information. The Information may change without notice and Ohmyhome is not in any way liable for the accuracy of any information printed and stored or in any way interpreted and used by a user.

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