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Complete Guide To HDB Housing Grants In Singapore For Different Types Of Flats

Why pay more when you can pay less using these housing grants?

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In Singapore, buying an HDB flat is one of the major financial decisions that most of us have to make, and usually requires a housing loan. As such, being familiar with the various housing grants available is important, as it can potentially help you save quite a sum of money.

In this article, we explain the different housing grants available, the eligibility criteria for them, and how much Singaporeans can expect to receive.

Read Also: Complete Guide to Home Loans in Singapore

#1 Enhanced CPF Housing Grant

Grant Amount: Up to $80,000

Who is eligible: First-time homeowners buying new or resale flats, household income ceiling of $9,000

The new Enhanced CPF Housing Grant replaces both the Additional Housing Grant and Special CPF Housing Grant.

It gives first-time homeowners, regardless of whether they buy a BTO or resale flat, an additional subsidy based on their average household monthly income.

Average Monthly Household Income (Over a period of 12 months) Enhanced CPF Housing Grant Amount
Less 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


Read More: More HDB Grants & Higher Income Ceiling: 4 Important Changes That Are Going To Help First-Time Singapore Homeowners

#2 CPF Housing Grants for Resale Flats

Grant Amount: Between $25,000 to $80,000.

Who is eligible: First-time applicants buying a resale HDB flat or EC

Unlike BTO buyers who are offered subsidised prices from HDB when buying a flat, first-time buyers of HDB resale flats in Singapore have to pay market price for their flats. Market price in this instance is determined by both what buyers are willing to pay, and what sellers expect to get.

However, first-time buyers of resale flats and ECs do qualify for the Family Grant. To qualify for the grant, average monthly household income has to be less than $14,000, up from $12,000 previously.

As of 14 February 2023, the CPF Housing Grant for Resale Flats is enhanced from $50,000 to $80,000 for eligible first-timer families for 2-room to 4-room resale flats and $40,000 to $50,000 for 5-room or larger resale flats.

Similarly, eligible first-timer singles may also tap on the grant to buy a resale flat. The grant amount is increased from $25,000 to $40,000 for 2-room to 4-room resale flats and $20,000 to $25,000 for 5-room or larger resale flats.

2-room to 4-room resale flat 5-room or bigger resale flat
Families $80,000 $50,000
Singles $40,000 $25,000

Read Also: How To Enjoy HDB Grants Even If You Are Not In Continuous Employment For 12 Months

#3 Proximity Housing Grant

Grant Amount: $20,000 if you live within 4km of where your parents/child are staying. $30,000 if you stay with your parents/child. 

Who is eligible: Homeowners buying resale flats in the same town or within 4km of where their parents are staying, or who will be living in the same flat.

If you are buying a resale flat within 4km of where your parents/child are staying, or are intending to stay with them in the same flat, you will be eligible for the Proximity Housing Grant (PHG) of up to $30,000.

For first-time homebuyers earning up to $12,000, the PHG is given in addition to the CPF Housing Grant (Resale flat) and the EHG.

Unlike the CPF Housing Grant and EHG, the PHG does not have an income ceiling and is not restricted to just first-time homebuyers. This means that almost all homebuyers will be helped when buying a flat to live with or close to their parents for mutual care and support.


Consider The Grants You Are Eligible For To Make The Right Housing Decision

Source: HDB’s Facebook Page

The various grants available can help us substantially reduce the cost of buying our first home. As such, it makes complete sense to first understand what all these grants are, and to have a discussion with your partner on how these grants could help you in deciding the type of flat that you should go for.

Read Also: 5 Ways To Get Your First HDB Flat That You Can Afford

This article was written in partnership with the Ministry Of National Development. All views expressed in the article are the independent opinion of

This article was first published on 9 December 2016 and updated to include updated information.

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