The COMPLETE List of Grants for Buying a HDB Resale Flat in Singapore

buy hdb resale flat in Singapore CPF grants for singaporeans
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Owning a HDB flat is practically a rite of passage in every other Singaporean’s life. But for those of us who have yet to reach that stage, we’re probably all thinking, “How on earth does an average person fork out hundreds of thousands of dollars?!”

So, let’s talk about the forbidden F-word: Finances (!!!).

There are quite a few government grants and subsidies (probably more than you know of!) that’ll help you ease the financial strain of owning a home in Singapore. We’ve done the math: You can get up to $120,000 in grants when buying a HDB resale flat. Judging from the median prices of flats in each district in Singapore, that’s easily a quarter of the price of your new home covered.

HDB Resale Flat Singapore Government CPF Grants for Singaporeans

We’ve broken down each grant in our comprehensive HDB resale grant guide below:

Family Grant

Who’s eligible?

Perhaps you’re a newly married couple who just haven’t had any luck with your BTO application, or are eager to escape living with your in-laws. You can apply for the Family Grant if you both:

  • Are at least 21 years of age.
  • Are first-time applicants (meaning to say, you’ve never received any CPF Housing Grant).
  • Don’t already own a home and haven’t disposed of one in the past 30 months.
  • Are a married or engaged couple (your marriage must be legit, i.e. registered).
  • Have a combined average gross monthly household income of no more than $12,000 as a couple, or $18,000 if you’re applying with extended family.

How much can you get?

If both you and your partner are Singapore Citizens, you get $50,000 for a 2- to 4-room flat, or $40,000 for a 5-room or larger flat.

If one of you is a Singapore Citizen while the other is a Singapore Permanent Resident, you get $40,000 for a 2- to 4-room flat, or $30,000 for a 5-room or larger flat.

Additional CPF Housing Grant (AHG) for Families

Who’s eligible?

The AHG for Families is aimed at lower to middle-income applicants of the Family Grant.

In addition to meeting all the conditions for the Family Grant:

  • At least one party in your application must have worked continuously for 12 months prior to applying for your flat, and must still be employed at the time of application.

How much can you get?

Applicants are eligible for $5,000 to $40,000, according to their income brackets. Grants are tiered, whereby lower-income earners get a higher grant amount:

Average Monthly Household Income(12 months)AHG for Families Amount
$1,500 or less$40,000
$1,501 to $2,000$35,000
$2,001 to $2,500$30,000
$2,501 to $3,000$25,000
$3,001 to $3,500$20,000
$3,501 to $4,000$15,000
$4,001 to $4,500$10,000
$4,501 to $5,000$5,000

Citizen Top-Up

Who’s eligible?

If you’re an Singapore Citizen + Singapore PR couple, you qualify for this grant when the PR spouse obtains Singapore citizenship status, or if you have a child with Singapore citizenship.

Don’t procrastinate, though. You’ll have to submit your application within 6 months of being eligible for the Citizen Top-Up.

How much can you get?

An additional $10,000. This is basically a top-up – as the name of the scheme suggests – since you originally took a Family Grant amount that was $10,000 less.

Half-Housing Grant/ Non-Citizen Spouse Scheme

Who’s eligible?

This one’s for you if you meet the eligibility requirements for the Family Grant but your partner doesn’t (or vice versa). It may be that:

  • You’re a first-time applicant married to a spouse who has previously received a housing subsidy i.e. they’re a second-time applicant. If so, you qualify for the Half-Housing Grant.
  • You’re a first-time Singapore Citizen applicant buying a resale flat with your spouse who’s neither a Singapore Citizen nor PR. In this case, you qualify for the Non-Citizen Spouse Scheme.

You must also meet all the other requirements for the regular Family Grant.

How much can you get?

Basically half of the Family Grant, since one of you meets the eligibility requirements while the other doesn’t.

Which means you can get $25,000 if you’re buying a 2- to 4-room flat, or $20,000 for a 5-room or bigger flat.

Note: Lower-income households can also apply for the AHG for Families on top of these grants.

Singles Grant

Who’s eligible?

You guessed it: Singles.

Plus, you should also:

  • Be a Singapore Citizen.
  • Be aged 35 and above. Any younger, and the only flat you’re probably buying is a flat white.
  • Be a first-time applicant, don’t already own a home, and haven’t disposed of one in the past 30 months.
  • Have an average gross monthly income of no more than $6,000.

How much can you get?

You’re eligible for a grant amount of $25,000 for a 2- to 4-room flat, or $20,000 for a 5-room or bigger flat.

Additional CPF Housing Grant for (AHG) Singles

Who’s eligible?

This grant is based on the same rationale as the AHG for Families, except that it’s for single applicants.

If you’ve been continuously employed for 12 months prior to applying for your flat, and are still employed at the time of application, you’re eligible for the AHG for singles if your average monthly income falls below $2,500.

How much can you get?

Applicants are eligible for $2,500 to $20,000 according to their income brackets:

Average monthly household income (12 months)AHG for Singles amount
$750 or less$20,000
$751 to $1,000$17,500
$1,001 to $1,250$15,000
$1,251 to $1,500$12,500
$1,501 to $1,750$10,000
$1,751 to $2,000$7,500
$2,001 to $2,250$5,000
$2,251 to $2,500$2,500

Top-Up Grant

Who’s eligible?

The 2 most common scenarios that would qualify you for a top-up grant are:

  • When you’ve previously bought a resale flat using the Singles Grant, and are getting married to a Singapore Citizen or Singapore PR who has not received any CPF Housing Grant.
  • When you’ve previously bought a flat using the Non-Citizen Grant Scheme, and your spouse (or child) obtains Singapore Citizenship or Permanent Residence status.

Your monthly gross household income must not exceed $12,000.

How much can you get?

You’ll basically be getting the Family Grant amount you are now eligible for, minus your previously received grant amount

For instance, if you previously received $25,000 under the Singles Grant, you can receive another $25,000 with a Singapore Citizen spouse – making the total $50,000.

You can also use your top-up grant for your existing flat if you’re making it your matrimonial home – meaning your spouse must be added as a co-owner of your flat.

Joint Singles Scheme

Who’s eligible?

Remember the pact you made with your best friend that if you’re both 40 and unmarried, you’ll just live together with 5 cats?

The government approves.

Under the joint singles scheme, you can basically combine your Singles Grants to jointly buy a resale HDB flat with someone else.

Both of you should individually meet the eligibility requirements for the Singles Grant. As for the income ceiling, your joint average gross monthly household income must not exceed $12,000.

How much can you get?

You get $50,000 ($25,000 x 2) if you’re buying a 2- to 4-room flat, or $40,000 ($20,000 x 2) for buying a 5-room or bigger flat.

Lower-income applicants can also apply for the Additional CPF Housing Grant for (AHG) Singles.

Proximity Housing Grant (PHG)

Who’s eligible?

People who love their family!

In early 2018, grant amounts were increased to encourage more people to live with or close to their families (defined as anywhere within a 4 km distance).

P.S. Use the Distance Enquiry for Proximity Housing Grant e-Service to check whether the HDB resale flat you intend to buy is within 4 km of your parents’/ child’s residential property they live in.

Unlike all of the other grants, the Proximity Housing Grant is not restricted to first-home homebuyers.

How much can you get?

Families can receive a grant of $20,000 when buying a resale flat to live close to their parents or child, or $30,000 when buying a resale flat to live with their extended family.

Singles can receive $10,000 and $15,000 respectively.

Free Money?!

Well, close enough. The grants are technically free, but you’re not getting cold-hard-cash-money. Instead, the grants will be credited into your CPF Ordinary Account and then deducted to offset the purchase price of your new flat.

Now that you know you can save a 6-digit sum on buying a house (and also save years of your life otherwise spent waiting for a BTO flat), it’s time to start shopping for your new home!

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