CPF Housing Grant Guide – How Much Can You Get For Your Resale HDB?

Editor’s Note: This post was originally published in September 2022 and has been updated for accuracy and comprehensiveness. 

Many resale HDB flat buyers depend on the CPF housing grant they’re eligible for to finance their home purchase, especially as property prices continue to rise year after year. Each grant has different eligibility requirements, though, and with so many available for resale flats, it may be difficult to find which one you will actually be eligible for — and more importantly, how much you can get.

To help you out, here’s a list of all the CPF housing grants available for resale HDB flats:

1. Family Grant
2. Half Housing Grant
3. Enhanced Housing Grant (EHG)
4. Singles Grant
5. Proximity Housing Grant (Families)
6. Proximity Housing Grant (Singles)

 

#1: CPF Housing Grant (Families) or Family Grant

Eligibility Conditions

Eligible For	– 1st timer couple or family
Income Ceiling	– $14,000 (for couples) – $21,000 (with family members, such as parents)
Citizenship	– 1 Singapore Citizen – The other buyer can be an SC or Permanent Resident (PR)
Age	At least 21 y.o.
HDB Remaining Lease	More than 20 years
Private Property Ownership	– Must not own private property in Singapore or overseas – Haven’t sold private property 30 months prior to the flat application

Grant Amount for 1st timer households (Updated June 2023)

New changes to the CPF housing grant were recently announced by Deputy Prime Minister Lawrence Wong at Budget 2023 on 14 February 2023. First-timer families buying a 4-room flat or smaller may qualify for a CPF housing grant of up to $80,000. Those buying a 5-room or bigger flat may also qualify for up to $50,000 in grants. This grant increase will be applicable for resale applications submitted on or after 3.30 pm on Feb 14, to credited into CPF accounts from April 2023 onwards.

Household Structure	Buying 2- to 4-room Resale Flat	Buying 5-room or larger resale flats
SC-SC	$80,000	$50,000
SC-PR	$70,000	$40,000

Take note that if you’re a SC-PR couple, you’ll get $10,000 less for the grant amount. But you will be able to get it once the PR becomes a citizen, or if you have a child.

 

#2: Half-Housing Grant

Like the name suggests, the grant you’ll get for this housing grant is half of the Family Grant.

Eligibility Conditions

Eligible For	1st timer SC applicant with 2nd timer fiance/spouse
Income Ceiling	– $14,000 (for couples) – $21,000 (with family members, such as parents)
Citizenship	1 Singapore Citizen The other buyer can be an SC or Permanent Resident (PR)
Age	At least 21 y.o.
HDB Remaining Lease	More than 20 years
Private Property Ownership	– Must not own private property in Singapore or overseas – Haven’t sold private property 30 months prior to the flat application
Flat Type	2-room flat or bigger

Grant Amount for 2nd timer couples

Household Structure	Buying 2- to 4-room Resale Flat	Buying 5-room or larger resale flats
SC-SC	$40,000	$25,000

 

#3: Enhanced CPF Housing Grant

Eligibility Conditions

Eligible For	– 1st timer couple or family – 1st time SC buyer with a fiance/spouse who has previously gotten a housing grant subsidy
Employment	Employed during, and at least 12 months (1 year) prior to, the HDB application
Income Ceiling	– 1st timer household: $9,000 – 1st timer & 2nd timer couple: $4,500
HDB Remaining Lease	– More than 20 years – Must cover the youngest buyer up to 95 y.o. to qualify for the full EHG amount. Otherwise, it will be pro-rated.
Private Property Ownership	– Must not own private property in Singapore or overseas – Haven’t sold private property 30 months prior to the flat application
EHG amount	$5,000 – $80,000

The EHG amount you will receive will be based on the average gross monthly income that you and your fiance/spouse have gotten for all of the months within the 12-month period before the application. Both incomes will be assessed.

 

#4: Enhanced CPF Housing Grant (Singles) or Singles Grant (Updated June 2023)

Eligibility Conditions

Eligible For	– >35 y.o. 1st timer buying as a single – >35 y.o. 1st timer buying with other singles – >35 y.o. 1st timer buying with parents – 21 y.o. (or older) 1st timer buying with non-resident spouse
Income Ceiling	– $7,000 (as a single) – $14,000 (with family members or other singles)
Citizenship	Singapore Citizen
HDB Remaining Lease	More than 20 years
Private Property Ownership	– Must not own private property in Singapore or overseas – Haven’t sold private property 30 months prior to the flat application

Grant Amount

Household Structure	Buying 2- to 4-room Resale Flat	Buying 5-room or larger resale flats
Single SC or SC-non resident	$40,000	$25,000
Single-Single	$50,000	$40,000

The grants are credited directly into your CPF Ordinary Account as a form of CPF top-up.

 

#5: Proximity Housing Grant (Family)

If you’re looking to live with or near your parents/child, these are the grant amounts you may receive:

• $30,000 to live with your parents/child
• $20,000 to live near your parents/child (within 4km)

Eligibility Conditions

Eligible For	Couples or families who have not taken the Proximity Housing Grant (PHG) before
Income Ceiling	– Singapore Citizen – The other buyer can be an SC or Permanent Resident (PR)
Citizenship	– 1 Singapore Citizen – The other buyer can be an SC or Permanent Resident (PR)
Age	At least 21 y.o.
HDB Remaining Lease	More than 20 years

Conditions for buyers living with their parents or within 4km of their parents’ property

This also applies to older couples looking to stay with their married children.

Criteria	Parents/Married Child	Single Child
Age	N.A.	>35 y.o.
Citizenship	SC or PR	SC or PR

Proximity Conditions

• Your parents or married child must be living with you in the resale HDB flat you intend to buy, and they must be included as co-applicants or essential occupiers. The latter refers to those who don’t have ownership of the flat but must remain in the flat application and during the minimum occupation period (MOP).

• Your parents or married child must be living within 4km of the resale HDB flat (also within the MOP) you intend to buy. If they don’t own the property they’re living in, it must be owner-occupied by immediate family members, i.e. child or adopted child, parent(s) or parent(s)-in-law, or siblings

 

#6: Proximity Housing Grant (Singles)

If you’re looking to live with or near your parents/child, these are the grant amounts you may receive:

• $15,000 to live with your parents/child
• $10,000 to live near your parents/child (within 4km)

Eligibility Conditions

Eligible For	– >35 y.o. 1st timer buying as a single – >35 y.o. 1st timer buying with other singles – >35 y.o. 1st timer buying with parents – 21 y.o. (or older) 1st timer buying with non-resident spouse
Income Ceiling	– $7,000 (as a single) – $14,000 (with family members or other singles)
Citizenship	Singapore Citizen
HDB Remaining Lease	More than 20 years
Flat Type	– Any, for singles living with parents or applicants buying with their non-resident spouse – 2 to 5-room flat, for singles living near parents

Also, take note: Parents buying their child’s flat will not be eligible for the PHG.

Conditions for buyers living with their parents or within 4km of their parents’ property

This also applies to older couples looking to stay with their married children.

Criteria	Parents/Married Child	Single Child
Age	N.A.	>35 y.o.
Citizenship	SC or PR	SC or PR

Proximity Conditions

• Your parents or married child must be living with you in the resale HDB flat you intend to buy, and they must be included as co-applicants or essential occupiers. The latter refers to those who don’t have ownership of the flat but must remain in the flat application and during the minimum occupation period (MOP).

• Your parents or married child must be living within 4km of the resale HDB flat (also within the MOP) you intend to buy. If they don’t own the property they’re living in, it must be owner-occupied by immediate family members, i.e. child or adopted child, parent(s) or parent(s)-in-law, or siblings.

 

If you’re eligible for all the grants, this is the maximum grant amount you can get for your resale HDB flat

Buying as a family	CPF Housing Grant + EHG + PHG: $80,000 + $80,000 + $30,000 = $190,000
Buying as a single	CPF Housing Grant + EHG + PHG: 40,000 + $40,000 + $15,000 = $95,000

But knowing the CPF housing grant you’re eligible for may not be enough for you to successfully purchase the flat you’re interested in.

To make sure you get to live in your dream home, contact us here or type in your questions into the live chat box located at the bottom, right-hand corner of the screen. You can also drop us a message on any of the contact options below and we’ll be in touch with you in a minute.

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