We sell your home at
better prices
record speed
only 1% commission

65% of HDBs and condos sold in a month.

The top 1% of agents in Singapore to help you find your home

That’s why we sold HDBs and condos above market price.

Maximize the sale of your home

Get expert advice with 1% commission, more profit.

No fees until we sell your home*
*Terms & Condition apply.

Family Grant vs Half-Housing Grant: What’s the Difference?

Singaporean couple considering to buy a cpf housing grants


Follow us on

Join our Telegram channel and follow our Facebook page for the latest property updates.

Heard or said the magical line “I do!” If yes, congratulations! You may be in the midst of planning the next chapter of your journey. It’s time to explore CPF housing grants for first time home buyers.

If you have ever wondered about the difference between Family Grant and Half-housing Grant, we have the answers:

These two grants are both for first-timer applicants buying resale flats. The family grant assists homebuyers who are married/ engaged couples composed of Singapore Citizen (SC) and at least one more Singapore Citizen or Singapore Permanent Resident (SPR).

What if your spouse/ spouse-to-be had previously received a housing subsidy? That is the reason why Half-housing Grant exists- this is for SC/SC applicants whose spouse/spouse-to-be had previously received a housing subsidy.

Unsurprisingly, Half-Housing Grant’s amount is half of the Family Grant that you and your spouse/ spouse-to-be would qualify for if both of you were first-timer applicants.

Family Grant vs Half-Housing Grant: What’s the Difference?

Summary of Family Grant and Half-Housing Grant

EligibilityFamily GrantHalf-Housing Grant
Age21 years old and above21 years old and above
Flat type2-room or bigger2-room or bigger
Flat’s remaining lease20 years or more20 years or more
Income ceiling for a couple applicant$14,000$14,000
Income ceiling if purchasing with extended family$21,000$21,000
Previous housing subsidyBoth have not received any CPF Housing Grant for the purchase of an HDB resale flatEither you or your spouse/ spouse-to-be previously received a housing subsidy before
Grant amount if buying 2- to 4-room Resale FlatSC/ SC Household: $50,000


SC/SPR Household: $40,000

SC/ SC Household: $25,000


SC/SPR Household: NA

Grant amount if buying 5-room or Bigger Resale FlatSC/ SC Household: $40,000


SC/SPR Household: $30,000

SC/ SC Household: $20,000


SC/SPR Household: NA

If you noticed, the bigger the flat you are planning to purchase, the lower the grant amount. What are the other eligibility requirements? Except for the household status requirements, Half-Housing Grant’s must meet all of the other eligibility conditions for a Family Grant for Singapore Citizens.

Other eligibility criteria for Family Grant:

  • You are not the owner of a flat bought from HDB, or an Executive Condominium (EC) or Design, Build and Sell Scheme (DBSS) flat bought from a developer
  • You have not sold a flat bought from HDB or an EC/ DBSS flat bought from a developer

Requirements for Family Grant

  1. You and the other applicants and essential occupiers will need to get ready the following documents for verification:
  2. Payslips for 3 months preceding the month of application, if employed full-time (not on commission-basis)
  3. Income documents for 6 months preceding the month of application, for other types of employment
  4. Proof of unemployment, if not working

Other documents may be requested for verification if needed.

Let Ohmyhome’s smart data-matching technology MATCH you with the right home, according to your specific needs. Submit your preferences to us and our algorithm will filter all our available listings based on those, and we’ll WhatsApp them to you once we find a match. We’ll also send you relevant content that you can use for your research and inform your home buying decision, so you no longer have to spend hours searching online for the information that you need.

Drop us a message on WhatsApp or send us your questions via our Live Chat at the bottom, right-hand corner of the screen.

References: HDB First-Timer Applicants, HDB

Related posts:

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.

Follow us on

Join our Telegram channel and follow our Facebook page for the latest property updates.

Subscribe to the property newsletter read by 200,000 homies
Get our finest insights sent straight to your inbox. Enter your best email.
Unsubscribe anytime.

Consult an expert for free!

Send us your details and we’ll be in touch within 15 min (daily 9am to 9pm GMT +8).

Our finest insights you'll be looking forward to receive.

Read by 200,000 Homies. Enter your best email below to join in.

Unsubscribe anytime.


Related Blogs

Highlighting unique property views for every Singaporean