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HDB Grants: What Are You Eligible For?

March 30, 2017
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Eyeing the flat of your dreams?

One of life’s biggest milestones, an HDB purchase doesn't come cheap - and you'll need all the help you can get. The good news is the government has a wide range of grants available to help ease the strain on your bank account! But, which subsidies might you be eligible for? We did the research and got your bases covered in this comprehensive guide.


For First-Timer Couples

Note: This refers to first-time couples who are both Singaporeans

HDB Grants: What Are You Eligible For?
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Newlyweds have got their work cut out for them; Having to juggle between planning a wedding and finding a place to roost definitely puts a dent to one's savings! No worries, whether it's a BTO, resale or Executive Condominium (EC), HDB has plenty of grants for first-time couples to lighten the load.

Follow this flowchart to find out the specific type(s) of grants you and your spouse might be qualified for!

HDB Grants: What Are You Eligible For?
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Other Grants You Might Be Eligible For

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New couples/homeowners often take up a chunk of HDB buyers, but what happens if you're not exactly Singaporean or even married for the first time? Don't be fazed - HDB has a couple of grants in store to help alleviate the financial burden for various types of homeowners.


For Singles (Above 35)

HDB Grants: What Are You Eligible For?
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The icing on the cake for all the strong, independent individuals out there - having a place to call their own! For singles above 35 years, snagging the ultimate bachelor/bachelorette pad is a tad easier with four HDB grants available:

1. Additional CPF Housing Grant (AHG) for Singles

What is it?: Subsidies of up to $20,000, for new, 2-room Flexi flats in non-mature estates, depending on monthly income.
Requirements: Individuals whose monthly income does not exceed $2,500.

2. Special CPF Housing Grant (SHG) for Singles

What is it?: Similar to AHG (Singles), subsidies of up to $20,000, depending on monthly income.
Requirements: Individuals whose monthly income cannot exceed $4,250. Can be combined with AHG if your profile qualifies.

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3. Singles' Grant

What is it?: Allowance of $20,000 (for 5-room or bigger), and $25,000 (for 2 to 4-room) resale flats.
Requirements: Monthly income cannot exceed $6,000 in order to buy flats under the Single Singapore Citizen Scheme.

4. Proximity Grant

What is it?: Subsidy of $10,000 for resale flats, if you're staying with parents.
Requirements: Monthly income cannot exceed $6,000.


For First-Cum-Second Time Couples

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Second time round is the charm; The following grants apply if one of you is a first-time applicant, but the other has received an HDB housing subsidy before.

1. Additional CPF Housing Grant (AHG) for Singles

What is it?: If you are the first-time applicant in your relationship, you are still eligible for the AHG (Singles) grant, up to $20,000 for new 2-room Flexi/larger flats or resale flats.
Requirements: Half of your monthly household income cannot exceed $2,500.

2. Special CPF Housing Grant (SHG) for Singles

What is it?: Likewise, you may also be eligible for the SHG (singles) grant and get up to $20,000 subsidies for only new 2-room flexi to 4-room flats in non mature estates.
Requirements: Half of your monthly household income cannot exceed $4,250.

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3. Half Housing Grant

What is it?: Applied for resale flats and ECs, couples can get $25,000 in allowances when they purchase a 2 to 4-room resale flat, or $20,000 for a 5-room or bigger resale flat. Those purchasing an EC can also get from $5000 to $15,000 worth of subsidies, depending on their income.
Requirements: For resales, the monthly household income ceiling is $12,000 for couples; $18,000 if applying with extended family. For ECs, monthly income is capped at $12,000.


For Those Who Want To Live Near Their Parents

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Feeling separation anxiety about having to stay far away from your loved ones? The government actually pays out these subsidies to help couples move closer to their parents or married children. No more complaints, surely!

1. Proximity Housing Grant (PHG)

What is it?: A $20,000 subsidy when you purchase a resale flat to live with or close by your parents.
Requirements: Parents must either be living in the same resale flat, staying in the same town, or within two kilometres, regardless of their property type.


For Those Who Have A Non-Citizen Spouse

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Even if your significant other isn't a Singaporean (but you are), you can still apply for the following HDB grants as a single applicant.

1. AHG (Singles) and/or SHG (Singles)

What is it?: Similar to what you might receive as a single homeowner; Get up to $20,000 in grants each for new, 2-room flexi flats or bigger in a non-mature estate. Depending on your income, both the AHG and SHG may be combined.
Requirements: Monthly income caps of $2,500 for AHG (Singles) and $4,500 for SHG (Singles) respectively.

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2. Singles Grant

What is it?: Subsidies of $20,000 for 5-room or bigger resales or $25,000 for 2- to 4-room resales.
Requirements: Your monthly household income cannot exceed $12,000. For lower to mid income Singles Grant applicants, this may be combined with the AHG (Singles) too.


Things To Take Note

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Can't find what you're looking for? This guide is not exhaustive - there are still various subsidies available for different property types and scenarios; Check out the HDB website for the complete list of HDB grants.

Grants are an awesome way to reduce your outlay, but they are also subject to further criteria - so do your homework carefully to make sure you qualify!
Here are some conditions to look out for:

  • HDB ownership status (Have you owned, sold or bought a HDB flat, DBSS or EC previously?)
  • Private property ownership (Do you own existing private/overseas property or have disposed them in last 30 months?)
  • Citizenship status (Are you a non-citizen, Singapore PR or Singaporean?)
  • Age

With a lighter load, there's more financial room to create the ultimate home; We can help - depending on your budget and style, we can match you up with 5 interior designers. Simply drop in a free quote request here. All homeowners who engage a recommended firm is eligible for the Qanvast Guarantee.

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