HDB Resale Flat & HDB BTO Grants: Check Your Eligibilities!

Buying your first HDB flat in Singapore? You may want to know what are the HDB Resale Flat Grants you are eligible for here.

The government are offering grants and subsidies to you when you purchase a BTO or HDB Resale Flat.

You can now enjoy grants up to $120,000 when buying a HDB BTO or resale flat.

Here are some of the available grants.  Check out which grant you qualify for:

1. Family Grant
2. Additional CPF Housing Grant (AHG) for Families
3. Citizen Top-Up (after getting Family Grant)
4. Half-Housing Grant/ Non-Citizen Spouse Scheme
5. Singles Grant
6. Additional CPF Housing Grant for (AHG) Singles
7. Top-Up Grant (after getting Top-Up Grant)
8. Joint Singles Scheme
9. The Proximity Housing Grant (PHG)

For more details on each of the grant, read on!

1. Family Grant

You can apply for the Family Grant when buying your first HDB Resale Flat, if you both are:

• Legally registered your marriage
• Are at least 21 years of age.
• Are first-time applicants of CPF Housing Grant
• Did not own or disposed of any properties in the past 30 months.
• Have a combined average gross monthly household income of no more than $12,000 as a couple, or $18,000 for combined application with extended family

If all applicants are Singaporeans, you can enjoy $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/rest is/are Singapore Permanent Residents, you get to enjoy $40,000 for a 2- to 4-room flat, or $30,000 for a 5-room or larger flat.

2. Additional CPF Housing Grant (AHG) for Families

The AHG for Families is aimed at lower to middle-income applicants of the Family Grant.  This AHG is tiered base on your average monthly household income.  Lower income earners get a higher AHG.

You may enjoy up to $40,000 grant if your average monthly household income is $1,500 or less.  You can enjoy $35,000 grant if your average monthly household income is between $1,501 to $2,000. A grant of $30,000 is given to you, if your average household monthly income is between $2,001 to $2,500.

You would enjoy $25,000 grant, when your average household monthly income is between $2,501 to $3,000. Grant of $20,000 for average household monthly income between $3,001 to $3,500. Grant of $15,000 for average household monthly income between $3,501 to $4,000.  Grant of $10,000 for average household monthly income between $4,001 to $4,500 and grant of $5,000 for average household monthly income between $4,501 to $5,000.

You must also make sure that least one house owners in your application, is employed at the time of the application and must have worked continuously for 12 months before applying for the flat purchase.

3. Citizen Top-Up

If you are a Singapore Citizen or 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.

You have to submit the application within 6 months of being eligible for this Citizen Top-Up Grant.

This is basically the difference of $10,000 which you did not get to enjoy from the original Family Grant amount before your citizenship change.

4. Half-Housing Grant/ Non-Citizen Spouse Scheme

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.

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.

5. Singles Grant

If you are aged 35 and above and is a Singapore citizen, you can apply for a single grant.

You would qualify for the single grant, if you have an average gross monthly income of less than $6,000 and is a first-time applicant, who do not already own a house or disposed of one in the past 30 months.

As a single, you get to enjoy the grant amount of $25,000 for a 2- to 4-room flat, or $20,000 for a 5-room or bigger flat.

6. Additional CPF Housing Grant for (AHG) Singles

If you are single and is earning an average income is below $2,500, you get to enjoy AHG for Singles.

You must also make sure that you are employed at the time of the application and must have worked continuously for 12 months before applying for the flat purchase.

You are eligible for $2,500 to $20,000 according to your income brackets:

7. Top-Up Grant

This grant only applies to you if your monthly gross household income does not exceed $12,000.

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

• 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.
• Bought a flat using the Non-Citizen Grant Scheme, and your spouse (or child) obtains Singapore Citizenship or Permanent Residence status.

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.

8. Joint Singles Scheme

If you are singles and would like to join another single owner to purchase a HDB flat together, you can.

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.

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.

9. The Proximity Housing Grant (PHG)

The government encourage its people to live with or close (within 4km distance from family members) to their family members. If you love staying with or close to your family members, you get to enjoy this PHG grant.  This is unlike the other grants as it is not restricted to first time house buyers.

You may use the Distance Enquiry for Proximity Housing Grant e-Service to check your eligibility for this grant.

When buying a resale flat close to your parents or child, you would enjoy a grant of $20,000, or $30,000 when buying a resale flat to live with extended family.

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

Grants for Your HDB Home

Grants are extra money given by the government to help you offset to the total purchase price of your flat.  When you qualify for the grants, the government will credit the grant amount into your CPF Ordinary Account and then deducted to offset the purchase price of your new flat.

So, now that you know how much grant you get to enjoy, you are all ready for the first purchase of your HDB BTO or HDB Resale flat.

This post was updated on 14 June 2019.