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HDB housing grants in Singapore — How much help can you get?

Buying a flat from HDB is one of the most affordable ways to get housing in Singapore.

Compared to private developments, public housing in Singapore is priced cheaper and on top of that, there are housing grants offered by the government.

Last year, there were also major changes in the schemes of housing grants. The Enhanced Housing Grant was implemented in September 2019, so all flat applications after that will be under the EHG scheme. Let’s understand this scheme to know it better.

Contents:

Are you eligible for Enhanced CPF Housing Grant?

First, let’s find out if you are eligible for these HDB housing grants before we go on to see how much you can get.

To be eligible for the Enhanced CPF Housing Grant (EHG), you and your co-applicants must fulfill the below:

  • Average gross monthly household income for the 12 months before your flat application must not exceed $9,000

  • Applicants are all first-timers

  • One of the applicants must have worked continuously for 12 months prior to the flat application

  • Not have owned any properties (locally or overseas) or have disposed of any such properties in the 30 months before the new flat application

Additionally, the remaining lease of the flat must be 20 years or more.

How much would you get in Enhanced Housing Grant?

Depending on your income level, the highest amount you can get from the Enhanced Housing Grant is $80,000. But don’t get overly excited. The full amount will only be available for those whose average monthly household income is not more than $1,500.

Let’s assumed that you and your spouse have just entered the workforce and have a combined income of around $6,001 to $6,500. You will get a grant amount of $30,000.

See the various tiers of EHG in the table below:

Average Monthly Household IncomeEHG Amount
Not more than $1,500$80,000
$1,501 to $2,000$75,000
$2,001 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 First-Timer Applicants’ housing grants

What if I applied for a flat before September 2019?

If you had applied for a flat before September 2019, when the EHG was implemented, you would be eligible for the Additional Housing Grant (AHG) and the Special CPF Housing Grant (SHG) instead.

Additional Housing Grant (AHG), up to $40,000:

  • For 2-room Flexi or larger

  • Combined income ceiling lower than $5,000

  • All first-timers

  • At least one applicant would have worked continuously for 12 months prior to flat application

  • Remaining lease of flat is 30 years or more

Special CPF Housing Grant (SHG), up to $40,000:

  • For 2-room Flexi or larger flat in a non-mature estate

  • Combined income ceiling lower than $8,500

  • All first-timers

  • At least one applicant would have worked continuously for 12 months prior to flat application

  • Remaining lease of flat is 30 years or more

As you can see, to qualify for the full total grant totalling $80,000 from AHG and SHG, you would have to fulfill a few more conditions under these schemes. One important difference is that your unit must be in a non-mature estate to qualify for SHG.

AHG’s income ceiling is also quite low at $5,000.

Using the scenario in the previous section where you and your spouse earn a combined income between $6,001 and $6,500, you only qualify for $25,000 under SHG. And that would only be under the condition that you apply for a flat in a non-mature estate.

Average Monthly Household IncomeAHG AmountSHG AmountTotal
From November 2015 to May 2019 Sales LaunchFrom November 2015 to May 2019 Sales Launch
Up to $1,500$40,000$40,000$80,000
$1,501 to 2,000$35,000$40,000$75,000
$2,001 to 2,500$30,000$40,000$70,000
$2,501 to 3,000$25,000$40,000$65,000
$3,001 to 3,500$20,000$40,000$60,000
$3,501 to 4,000$15,000$40,000$55,000
$4,001 to 4,500$10,000$40,000$50,000
$4,501 to 5,000$5,000$40,000$45,000
$5,001 to 5,500Nil$35,000$35,000
$5,501 to 6,000Nil$30,000$30,000
$6,001 to 6,500Nil$25,000$25,000
$6,501 to 7,000Nil$20,000$20,000
$7,001 to 7,500Nil$15,000$15,000
$7,501 to 8,000Nil$10,000$10,000
$8,001 to 8,500Nil$5,000$5,000

Source: HDB First-Timer Applicants’ housing grants

Grants for second-timer applicants

If you are applying for the second subsidised flat from HDB, you will receive a different type of grant instead. It’s called the Step-Up CPF Housing Grant.

The main conditions for this grant is the current flat must be a 2-room subsidised flat in a non-mature estate, or a public rental flat. Additionally, you have to apply for a 2-room flexi or 3-room flat in a non-mature estate.

So yes, if you’re eyeing to buy one of those million-dollar HDB flats that have made headlines recently, this grant is not for you.

The other conditions for this grant are similar. The total income ceiling must be less than a certain amount, in this case $7,000, and one of the applicants must have worked continuously for 12 months prior to the flat application, and is still working at the point of flat submission. The remaining lease of the flat must be 20 years or more.

The amount for the Step-Up CPF Housing Grant is $15,000.

We hope you’ve gotten useful information from this article! So prepare your documents and go get the help that you need!

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