The 2016 HDB Grant Summary


Buying a HDB flat is probably one of the biggest milestones in your life. It’s a Singaporean coming-of-age ritual that shows that you can afford to put a roof over your head, and that you’re ready to begin your 30-year journey of monthly mortgage payments. Even as property prices have slumped, the good old HDB still holds the affordability trump card because of the various grants that you can apply for.

With the myriad of housing grants available, it can seem like quite a mess to work out, even if this is your second time. But, fret not. Here’s all you need to know which HDB grant do you qualify for.

1) Buying a New Flat

The grant amount for buying a new HDB flat varies according to your marital status, income levels, and whether or not it’s your first time applying for a grant.  In addition, at least one applicant has to be employed at the time of application, with a track record of employment for the 12 months prior to that.

i. Couple: Both applicants are first-timers

  • Maximum grant: S$80,000
  • Minimum grant: S$5,000

If both you and your spouse or fiancé have never received any subsidies from HDB, then you qualify as first-timer applicants.

There are two types of grants that you could apply for, the Special CPF Housing Grant (SHG) and the Additional CPF Housing Grant (AHG).

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ii. Couple: One applicant is a first-timer

Your household income will ultimately determine the amount of grants you receive.  If your monthly household income over 12 months S$5000 or more, you will only qualify for the SHG.

  • Maximum grant: S$40,000
  • Minimum grant: S$2,500

If you’re a couple applying and only one of you is a first-timer, you essentially are eligible for half of the grants that first-timer couples get, and your household income ceiling is also halved over a period of 12-months.

This means that for purchases from Nov 2015’s launches and onwards, the maximum grant you receive is S$40,000 for a combined monthly halved-income of S$750, and the minimum is S$2,500 for a combined halved-income of S$4001-4250.

iii. Couple: One applicant is a non-Singapore citizen

  • Maximum grant: S$40,000
  • Minimum grant: S$2,500

If your spouse is neither a Singapore-citizen nor PR, you are still eligible for a grant.  However, the type of housing is limited to 2-room Flexi flats in non-mature estates.  Similar to the case where only one applicant is a first-timer, the household-income ceiling, as well as the minimum and maximum grant amounts, are halved.

iv. Couple: Both applicants are second-timers

  • Fixed grant amount: S$15,000

The grant that’s available for a couple where both applicants are second-timers is the Step Up CPF grant, which gives a fixed amount of S$15,000.


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v. Single Singapore Citizens

If you’re a Singapore Citizen aged 35 older, you may be eligible for the Single Singapore Citizen Scheme that’s available for 2-room flexi flats in non-mature estates.


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2) Buying a Resale Flat

i. Couple: Both applicants are first-timers

  • Maximum combined grant: S$70,000
  • Minimum combined grant: S$20,000

There are two grants available for first-time applicants for a resale flats.  In addition to not having had any other grants received, you and other applicants also must not own private property, or have sold them in the past 30 months. The basic grant is the Family Grant, and low-income households may apply for the additional CPF Housing Grant.

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ii. Couple: Only one applicant is a first-timer

  • Maximum combined grant: S$35,000
  • Minimum combined grant: S$10,000

If only one applicant is a first-timer, then the grant amount that you’re eligible to receive is essentially half of what first-timer couples receive, both for the Family Grant as well as the AHG.

iii. Couple: One applicant is a non-Singapore citizen

  • Maximum grant: S$35,000
  • Minimum grant: S$15,000

If your spouse is neither a Singapore citizen nor PR, you’re eligible for two grants, the Singles Grant, and the AHG for lower-income households.

iv. Single/Joint Singles 

  • Maximum grant: S$35,000 for singles/S$70,000 for joint-singles
  • Minimum grant: S$15,000/S$30,000 for joint-singles

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v. Living with or near to your parents or married child

The Proximity Housing Grant is awarded to both couples and singles buying resale flats to either live in with their parents or married child, or within 2 km from their property.

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For more specific grant details and to find out your grant amount, visit the HDB website and check out the best home loans that you can apply for with the iMoney comparison tool.

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