CPF Housing Grant Eligibility in Singapore: How Much HDB Grant BTO, Resale HDB Flat, and EC Buyers Can Get (2023)

CPF Housing Grant Eligibility in Singapore: How Much HDB Grant BTO, Resale HDB Flat, and EC Buyers Can Get (2023)
CPF Housing Grant Eligibility in Singapore: How Much HDB Grant BTO, Resale HDB Flat, and EC Buyers Can Get (2023)

HDB grants are a factor most prospective homeowners will consider when buying an HDB flat. For first-timers eyeing a flat in Singapore, getting an HDB grant will probably be the most important aspect of financing their properties, as grants help make homes more ‘affordable’.

As the title suggests, HDB grants are credited into your CPF Ordinary Account (OA) via CPF top-up and must be returned to your CPF account once you sell the flat. While some people may believe in not using your CPF to pay for your house, in a country where houses are expensive, grants can make it easier to own a home.

But with so many CPF housing grant eligibility criteria, trying to apply for one can get pretty confusing. With a focus on grants for couples and families – comprising at least one Singapore Citizen (SC), and the other spouse a Singapore Permanent Resident (SPR) – we’ll explain in this article everything you need to know about housing grants and how you can qualify for them.

HDB Housing Grant Eligibility for Couples and Families (Overview)

HDB Housing Grant It can be used to buy this type of HDB flat
Enhanced CPF Housing Grant (Families) (EHG) BTO and resale
CPF Housing Grants for Resale Flats (Families) Resale
Proximity Housing Grant (PHG) Resale
Step-Up CPF Housing Grant (Families) (SUHG) If you currently own a 2-room flat that was bought from HDB after October 1955, or a resale HDB flat with a CPF housing grant, you’re eligible to buy a 3-room BTO or resale flat

If you currently live in a public rental flat, you’re eligible to buy a BTO (2-room Flexi flat, 3-room flat) and resale (2-room flat)

CPF Housing Grant (Family Grant) Executive Condominium (EC)
CPF Housing Grant (Half-Housing Grant) EC
Source: HDB

1. Enhanced CPF Housing Grant (Families) (EHG)

Income ceiling HDB grant amount
Not more than $1,500 $80,000
$1,500 to $2,000 $75,000
$2,000 to $2,500 $70,000
$2,501 to $3,000 $65,000
$3,001 to $3,500 $60,000
$3,501 to $4,000 $55,000
$4,001 to $4,500 $50,000
$4,501 to $5,000 $45,000
$5,001 to $5,500 $40,000
$5,501 to $6,000 $35,000
$6,001 to $6,500 $30,000
$6,501 to $7,000 $25,000
$7,001 to $7,500 $20,000
$7,501 to $8,000 $15,000
$8,001 to $8,500 $10,000
$8,501 to $9,000 $5,000
Source: HDB

CPF Housing Grant Eligibility for EHG

Criteria Details
Applicant profile First-timer applicant couples and families who haven’t previously received HDB CPF grants
Employment One applicant must’ve worked continuously for at least 12 months before applying
Remaining lease of the HDB flat More than 20 years, and long enough to cover the younger spouse up to 95 years old
Existing/recent ownership/interest in Singapore property other than an HDB flat Mustn’t have owned or had an interest in local or overseas private property, and

Mustn’t have disposed of private property at least 30 months before applying

Source: HDB

Who Is Considered a First-timer for HDB Flats?

  • Not the current owner of, hasn’t sold, and hasn’t been a recipient of any CPF Housing Grants for the purchase of a flat bought directly from HDB, a Design, Build & Sell Scheme (DBSS) flat, or an EC bought from the developer
  • Hasn’t sold an HDB flat with re-housing benefits under the Selective En bloc Redevelopment Scheme (SERS), or received other housing subsidies including enjoying SERS benefits or the privatisation of Housing and Urban Company (HUDC) estate

Interest in property happens when you:

  • Buy a property
  • Obtain it as a gift
  • Inherit it
  • Own, acquire, or dispose of it through an intermediary

Read more about the eligibility conditions for fiancé and fiancées, married couples and/or parent(s) with children (relevant for the Step-Up CPF Housing Grant (SUHG)), multi-generation families, and non-residents (relevant for the Proximity Housing Grant (PHG)).

2. CPF Housing Grants for Resale Flats (Families)

Household Grant amount when buying a 2- to 4-room HDB resale flat Grant amount when buying a 5-room or bigger HDB resale flat
First-timer SC-SC couples $50,000 $40,000
First-timer SC-SPR couples $40,000 $30,000
First- and second-timer SC-SC couples $25,000 $20,000
First- and second-timer SC-SPR couples $20,000 $15,000
Source: HDB

Read more about the CPF Housing Grants for Resale Flats (Families) announcements by Mr Lawrence Wong, Deputy Prime Minister and Minister of Finance, during the Budget 2023 statement on 14 February 2023.

CPF Housing Grant Eligibility for Resale Flats (Families)

Criteria Details
Applicant profile First-timer couples and families, or

First-timer SCs whose spouses previously received HDB grants

Income ceiling $14,000, or

$21,000 if purchasing with an extended or multi-generation family

Remaining lease of the HDB flat More than 20 years
Existing/recent ownership/interest in Singapore property other than an HDB flat Mustn’t have owned or had an interest in local or overseas private property, and

Mustn’t have disposed of private property at least 30 months before applying

Mustn’t be buying an HDB flat announced for SERS

Source: HDB

3. Proximity Housing Grant (PHG)

Household HDB grant amount
Living with your parents/child $30,000
Living within 4km of your parents/child $20,000

CPF Housing Grant Eligibility For PHG

Criteria Details
Applicant profile Couples and families who haven’t previously received the PHG
Remaining lease of the HDB flat More than 20 years
Existing/recent ownership/interest in Singapore property other than an HDB flat Mustn’t have owned or had an interest in local or overseas private property, and

Mustn’t have disposed of private property at least 30 months before applying

Source: HDB

Read our full review of the PHG.

4. Step-Up CPF Housing Grant (Families) (SUHG)

Criteria Details
Applicant profile Couples and families who’ve taken one housing subsidy
Income ceiling $7,000
Remaining lease of the HDB flat More than 20 years
Existing/recent ownership/interest in Singapore property other than an HDB flat Mustn’t have owned or had an interest in local or overseas private property, and

Mustn’t have disposed of private property at least 30 months before applying

Source: HDB

5. Family Grant Vs Half-Housing Grant (CPF Housing Grant)

Income ceiling Family Grant amount (for SC-SC households) Family Grant amount (for SC-SPR households) Half-Housing Grant amount (if you are a first-timer SC and your co-applicant is a second-timer who has previously taken one housing subsidy)
$10,000 or lower $30,000 $20,000 $15,000
$10,001 to $11,000 $20,000 $10,000 $10,000
$11,001 to $12,000 $10,000 None $5,000
Source: HDB

SC-SPR households who apply for the CPF Housing Grant can receive an additional $10,000 when the SPR converts to an SC by applying for the Citizen Top-Up housing subsidy within six months of eligibility.

Looking for Resale HDB Flats/EC Units for Sale?

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