A Complete Guide to CPF Housing Grants for BTO and Resale Flats
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A Complete Guide to CPF Housing Grants for BTO and Resale Flats

Ruth Lum
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What’s the Max CPF Housing Grant I Can Get?

Since flats aren’t getting any cheaper in land-scarce Singapore.

That’s probably the number one question on everyone’s minds when you’re buying an HDB flat for the first time.

Lucky for us, there are HDB Grants aka CPF Housing Grants which we can apply for to help us secure our first home.

So how much can you really get as an applicant?

Let’s find out.


TL;DR: CPF Housing Grants for HDB Flats

The narrative of HDB flats being affordable housing options for Singaporeans has long been supported by the subsidised prices for new HDB flats.

But as affordable as they may be, not everybody has $300,000 to $500,000 just lying around in their bank accounts.

So in order to help lower- and middle-income families purchase homes, the Government gives out CPF Housing Grants to make HDB housing even more accessible.

Note: the grants are credited directly into your CPF Ordinary Account as a form of CPF top up and have to be returned to your CPF when you sell your flat.

Assuming you’re both Singapore Citizens, are first-time buyers, and are applying for an HDB flat (whether it’s BTO, Resale or an Executive Condominium) as a couple.

Here’s an overview of what kind of CPF Housing Grants are available and how much you can potentially get:

HDB TypeType of CPF Housing GrantIncome CeilingGrant Amount
Built to Order
(BTO)

Note: also applies to Sale of Balance Flat
Enhanced CPF Housing Grant
(EHG)
$9,000$5,000 to $80,000
ResaleEnhanced CPF Housing Grant
(EHG)
$9,000$5,000 to $80,000
Family Grant
(FG)
$14,000$40,000 to $50,000
(2- to 4-Room Resale)
$30,000 to $40,000
(5-Room or bigger Resale)
Proximity Housing Grant
(PHG)
-$20,000 to $30,000
Executive Condominium
(EC)
Family Grant
(FG)
$12,000$10,000 to $30,000

For those of you who don’t like math, here’s the maximum CPF Housing Grant you can get depending on your HDB type:

For BTO Flats (including Sale of Balance): EHG = $5,000 to $80,000

For Resale Flats: EHG + FG + PHG = $65,000 to $160,000

For EC: FG = $10,000 to $30,000

P.S. for homeowners who bought their flats before 11 September 2019, you will remember the Additional CPF Housing Grant (AHG) and Special CPF Housing Grant (SHG).

All of that has since been replaced with the Enhanced CPF Housing Grant (EHG), which makes it a lot less cheem and depending on your eligibility, might mean you can even receive more grants.


CPF Housing Grants for HDB BTO Flats

Depending on you and your partner’s applicant status, the CPF Housing Grants and the amounts which you qualify for a HDB BTO will differ.

Note: the grants here also apply for Sale of Balance flat applications

Case 1: You and your partner are both first-timer applicants

  • Enhanced CPF Housing Grant (EHG): $5,000 to $80,000
  • Income Ceiling: $9,000
  • Flat Eligibility: All BTO flats with no restriction on flat size or estate

Case 2: One of you is a first-timer and the other a second-timer applicant

You’ll qualify for Enhanced CPF Housing Grant (EHG) (Singles), which is basically the regular EHG amount but halved.

  • Enhanced CPF Housing Grant (EHG) (Singles): $2,500 to $40,000
  • Income Ceiling: $4,500
  • Flat Eligibility: All BTO flats with no restriction on flat size or estate

Case 3: Both of you are second-timer applicants

  • Step-Up CPF Housing Grant: $15,000
  • Income Ceiling: $7,000
  • Flat Eligibility: A 2-Room Flexi or 3-Room flat in non-mature estates

Case 4: One of you is a foreigner

  • Enhanced CPF Housing Grant (EHG) (Singles): $2,500 to $40,000
  • Income Ceiling: $4,500
  • Flat Eligibility: All BTO flats with no restriction on flat size or estate

FYI: you’ll be applying under the Non-Citizen Spouse Scheme and can get your grant as early as 21 years old

CPF Housing Grants for HDB Resale Flats

Depending on you and your partner’s applicant status, the CPF Housing Grants and the amounts which you qualify for an HDB Resale for will differ.

Case 1: You and your partner are both first-timer applicants

  • Family Grant – $50,000 for four-room flats or smaller and $40,000 for five-room flats or larger. Monthly household income capped at $12,000 (or $18,000 for extended family applicants).
  • Additional CPF Housing Grant (AHG) – up to $40,000, with monthly household income capped at $5,000.

Case 2: One of you is a first-timer and the other a second-timer applicant

  • Half-Housing Grant – Up to $25,000, monthly household income capped at $12,000 (or $18,000 for extended family applicants).

Case 3: For applicants who have previously received a Singles Grant

  • Top Up Grant

The Top-Up Grant amount is the difference between the Family Grant that you now qualify for, minus the Singles Grant amount that you had previously received.

Only those with monthly household income capped at $12,000 are eligible.

Other Types of Resale Flats Grants

Case 4: For Singapore Citizen/Singapore Permanent Resident (SC/SPR) households with the SPR spouse now obtaining Singapore Citizenship status

Case 5: For applicants buying a resale flat within 4km of their parents (including nearby towns)

 

The available grants offered by HDB for the application of BTO flats are pegged to household income. This is so that lower-income households receive more help in securing a home.

Applicants of SBF and ROF flats are also eligible for the grants under BTO. However, if the selected SBF or ROF unit has a low remaining tenure, the grant amounts may be lower.

 BTOResale
Both first time applicantsAdditional CPF Housing Grant (AHG)Family Grant
Special CPF Housing Grant (SHG)Additional CPF Housing Grant (AHG)
One is a first-timer, the other is a second-timerAdditional CPF Housing Grant (Singles)Half Housing Grant
Special CPF Housing Grant (Singles)Additional CPF Housing Grant (AHG)
Both applicants are second-timersStep-Up CPF Housing GrantTop-Up Grant (previously received Singles Grant)
If one applicant is a foreigner (Non-Citizen Spouse Scheme)Additional CPF Housing Grant (Singles)Non-Citizen Spouse Scheme
Special CPF Housing Grant (Singles)
For SC/SPR households with the SPR spouse taking up citizenshipN/ACitizen Top-Up Grant
For applicants buying a resale flat within 4km of their parentsN/AEnhanced Proximity Housing Grant

BTO and Resale Flats

 BTOResale
Waiting Time3-5 yearsASAP
Ave. Price (4-rm flat)$311,000$457,000
RenovationUsually more exp.Usually less exp.
Ave. Size90sqm104sqm
LocationPre-definedYour preference
Lease Period99 yearsShorter than 99-years

1. BTO: Brand new HDB Flats

These are the most common type of flats offered by our government. Mainly built for first time home buyers, they are offered at the lowest entry price possible, which also often leads to heavy demand and often tough to ballot for more popular sites.

  • Non-mature sites (eg. Punggol, Chua Chu Kang): 3 room ~$160,000
  • Mature sites (eg. Toa Payoh, Geylang): 3 room ~$380,000
ProsCons
Brand new as first occupantsNeed to wait 3 to 4 years before moving in
Lowest ever prices land subsidised by govtNeed to stay the MOP (Minimum occupancy) for 5 years
High appreciation potential to re-sellMany restrictions on who you can sell and rent to

2. Resale: Older HDB Flats

These are the next most common type of flats. However, this is on the secondary market, which also means the prices are set by demand and supply accordingly. From one HDB owner to others. It’s a free market and you can use various property sites to find your dream home.

  • Non-mature sites (eg. Punggol, Chua Chu Kang): 3 room ~$350,000
  • Mature sites (eg. Toa Payoh, Geylang): 3 room ~$450,000
ProsCons
Can come with some existing furnishingLimited appreciation potential (limited life)
Get to choose your locationsLimited subsidies available
Can move in immediately after purchasePotential re-design needed (e.g hacking, ID)

Conclusion: Find what fits you best

Purchasing a home is a big decision. Make the right calculations to decide if the financial stress is manageable, and consider if what you are applying for gives you a comfortable repayment amount and duration on top of the grants that you are eligible for.

About Ruth Lum
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