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Comparison of CPF Housing Grants: AHG, SHG and EHG

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Getting into the details of buying your first home such as your financial capabilities may be quite daunting. Thanks to the Central Provident Fund (CPF) housing grants, public housing is more affordable and accessible!

With the all-new Enhanced CPF Housing Grant (EHG), more flat buyers will benefit and it is simpler to qualify than the two older grants: Additional CPF Housing Grant (AHG) and Special CPF Housing Grant (SHG).

Why is this so?

Here are the key features of the three CPF Housing Grants:

Factors AHG SHG EHG
Income Ceiling $5,000 $8,500 $9,000
Flat’s Remaining Lease 30 years or more 30 years or more 20 years or more
Grant Amount Up to $40,000 Up to $40,000 Up to $80,000
Eligible Flats 2-room Flexi or larger 2-room Flexi, 3-room, or 4-room in a non-mature estate New or resale. No restrictions on flat type and location
Previous housing subsidy You and other co-applicants and essential occupiers are ALL first-timers You and other co-applicants and essential occupiers are ALL first-timers You and other co-applicants and essential occupiers are ALL first-timers

In a glance, the table provides you with the key changes and differences of AHG, SHG and EHG. Do you still wonder why it’s called Enhanced CPF Housing Grant?

comparison-cpf-housing-grants-first-timer-applicants-ahg-shg-and-ehg-savings

There are 4 key enhancements in housing grant for first-timers:

  1. Earning within the median monthly household income in Singapore is no longer a disadvantage. EHG’s income ceiling is increased to $9,000. Trivia: In 2018, the median monthly household income is $9,293.
  2. You can purchase a flat with a remaining lease of 20 years or more. This is encouraging for those who love old flats.
  3. You can buy a bigger house (4-room or bigger) that can accommodate your growing family in the future. More space, more choices!
  4. You can get access to dining, transportation, entertainment and other facilities in mature estates.
  5. Lastly, EHG offers a grant amount of up to $80,000. Families with lower household incomes will benefit the most from this enhancement.

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

Buying your flat for the first-time is surely an exciting venture! You can buy your flat without an agent and save thousands of dollars which you can utilise for your home renovation.

If you opt for professional assistance, you may engage our agent service for HDB buyers from $2,888 nett.

Call 6886 9009 to learn more now.

References: Singstat, HDB, MND, Gov.sg


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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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