With updated grant amounts and eligibility rules introduced from August 2024 onward, families and first-time buyers now have access to higher levels of financial support when purchasing both new and resale flats.
More than 80% of Singapore residents live in HDB flats, and these grants help reduce upfront payments, monthly mortgage instalments, and long-term financial pressure. Below is a clear, practical breakdown of the main grants, updated values, eligibility criteria, and how to check your situation.
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Main Types of HDB Grants
| Grant | Target Group | Max Amount (2025) | Key Notes |
|---|---|---|---|
| Enhanced CPF Housing Grant (EHG) | First-time families | Up to S$120,000 | Income-based support |
| EHG (Singles / Mixed Tier) | Mixed 1st + 2nd-timer households | Up to S$60,000 | Half income ceiling applies |
| CPF Housing Grant (Resale) | Families buying resale flats | Up to S$50,000 | Required before EHG (resale) |
| Proximity Housing Grant (PHG) | Living with or near parents | Up to S$30,000 | Same flat: S$30k / Within 4 km: S$20k |
| Step-Up CPF Housing Grant | Upgrading from smaller flats | Up to S$15,000 | For gradual upgrades |
Who Can Qualify
Eligibility depends on a combination of factors assessed by HDB:
- Citizenship: At least one applicant must be a Singapore Citizen. SC–PR households may qualify under certain schemes.
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Income ceilings:
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Families: Gross household income up to S$9,000
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Mixed 1st + 2nd timers: Half-income ceiling up to S$4,500
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Employment: At least one main applicant must have worked continuously for 12 months before applying for the HFE Letter.
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Property ownership: Applicants must not own private residential property within the last 30 months.
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Lease requirements: The selected flat must have enough remaining lease to cover the youngest buyer up to age 95 for full grants. Otherwise, grants may be pro-rated.
How the Enhanced CPF Housing Grant (EHG) Is Calculated
EHG support increases as household income decreases.
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| Gross Household Income | Estimated EHG Amount |
|---|---|
| ≤ S$1,500 | Up to S$120,000 |
| Around S$4,000 | Approximately S$60,000–80,000 |
| S$7,000–9,000 | Approximately S$10,000–30,000 |
Figures are indicative only. Final grant amounts depend on official HDB calculations.
Documents You Will Need
To support your application, prepare the following:
- NRICs of all applicants and essential occupiers
- Proof of income (payslips or IRAS Notice of Assessment for the past 12 months)
- CPF contribution statements
- Marriage or engagement documents (if applicable)
- Proof of parents’ address for PHG eligibility
Having documents ready helps avoid delays.
Step-by-Step Application Process
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Apply for the HFE Letter – confirms loan eligibility and estimated grant amounts.
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Choose your flat type – BTO (new) or resale.
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Submit grant application – together with your flat application.
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Upload required documents – income, identity, CPF, and household details.
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Grant disbursement – credited into your CPF Ordinary Account and applied to the purchase price or loan.
Practical Planning Tips
- Always use HDB’s official calculators before committing.
- Living with or near parents can unlock the PHG (up to S$30,000).
- If upgrading from a smaller flat, the Step-Up Grant can reduce your costs.
- Grants help, but long-term affordability still matters — plan your monthly instalments carefully.
- Choose a flat that fits both your eligibility profile and your family’s future needs.