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

Prefer to do-it-yourself?

Check out how our platform can help

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

Prefer to do-it-yourself?

Check out how our platform can help

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

Prefer to do-it-yourself?

Check out how our platform can help

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

Fixed Fee Agent Service for Buyers

Ready to buy your dream home?
Share on facebook
Share on twitter
Share on email
Share on whatsapp

Single Singapore Citizen Scheme: Buy Your First HDB Flat With the EHG

Ohmyhome

Ohmyhome

Share on facebook
Share on email
Share on whatsapp

Written by: Rita Magallona

Purchasing your own home can be a challenge, especially if you are single. But if you are a Singaporean Citizen (SC) 35 years old or older, you may be able to do so through the Housing and Development Board’s Enhanced CPF Housing Grant (EHG).

What Is the EHG (Singles)?

The EHG replaced two older housing grant programs in September 2019: the Additional Housing Grant (AHG) and the Special CPF Housing Grant (SHG). Through the EHG’s Single Singapore Citizen Scheme, you can get a grant of up to $40,000 if you have an average monthly income of $4,500 or less.

What Kind of Flat Can You Purchase With the EHG?

You can choose to buy a BTO or a resale flat of any size, wherever it is located, as long as your household meets the qualifications for it. The EHG, like other CPF housing grants, can be used to offset the purchase price of the flat or reduce the mortgage loan needed to purchase your flat.

If you are buying a flat using a bank loan, the grant will be included in the computation of the CPF withdrawal limit. However, these grants cannot be used for the cash downpayment, if any, or for any of the monthly mortgage instalment payments.

Do You Qualify for the EHG?

If you answer yes to all of the questions below, you are eligible for the EHG:

  1. Income: Is your monthly average gross income $4,500 or less for the 12 months before the application?
  2. Employment: Are you working continuously for 12 months before the application, and still working at the time of application?
  3. Remaining Lease of Flat: Does the flat have a remaining lease sufficient to cover you up to age 95, i.e., 60 years or more?
  4. Ownership/Interest in Property: Do you not own, locally or overseas, any private residential property (including privatised HUDC flats and ECs), house, building or land? Have you not disposed of any such properties in the 30 months prior to your new flat application?

How Much Housing Subsidy Will You Get?

The EHG amount you will receive is based on the average gross monthly income of the household over a period of 12 months leading up to the date that you applied for the grant. You need to include the income of everyone in the household, both applicants and occupiers.

Households with an average monthly income of $4,251 to $4,500 can get up to $2,500 grant amount while households with an average monthly income of $750 or less can get up to $40,000 grant amount. As a rule, lower-income households qualify for higher grants.

How Can You Apply for the EHG?

You can download the EHG application form and submit it, along with the necessary income documents, to the HDB during your flat booking appointment. Again, the documents should cover the 12 months leading up to the date of application.
If you qualify, the grant will be credited to your CPF Ordinary Account.

ehg-single-singapore-citizen-scheme-buy-your-first-hdb-flat-videogame

Buy Your First Home With the EHG

The HDB’s Single Singapore Citizen Scheme has made it easier for eligible singles to acquire a flat that they can call their own, especially with the streamlining of the AHG and the SHG into the EHG.

Take your first steps to buying your dream home!


Buying a resale flat? Ohmyhome’s HDB Buyer Agent Service is at a fixed fee from $2288.

Call 6886 9009 now!

Subscribe Now

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

Fixed Fee Agent Service for Buyers

Ready to buy your dream home?

Featured Blogs

Highlighting unique property views for every Singaporean

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

Prefer to do-it-yourself?

Check out how our platform can help

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

Prefer to do-it-yourself?

Check out how our platform can help

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

Prefer to do-it-yourself?

Check out how our platform can help

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

Prefer to do-it-yourself?

Check out how our platform can help

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