HDB resale grants: How much can you get? [2022 Edition]

12 min read

Buying a HDB resale flat comes with its perks–one of it being the generous HDB resale grants you can qualify for.

In 2019, HDB raised the income ceiling for the CPF Family Grant from S$12,000 to S$14,000 and launched the new Enhanced Housing Grant (EHG). This enables more resale buyers to qualify for housing grants and get a higher maximum grant amount of up to S$160,000.

These changes could mean that HDB resale flats may turn out to be cheaper than a Build-to-Order (BTO) flat after all, even though BTO flats are sold by HDB at a discount. After all, the Family Grant and Proximity Housing Grant are not applicable for BTO flats.

Plus, the key perks of buying a resale flat is an unlimited choice of locations and the fact that resale flats are already completed and ready for moving in. Resale flats also typically have well-developed amenities, such as schools and eateries, surrounding it.

Now, it’s time to know your HDB resale grants. This article will cover:

  • Types of HDB resale grants
  • For first-timer applicants, including couples/families, singles, and newly married singles with an existing flat
  • For second-timer applicants
  • How the resale grants work (the application process etc.)
  • How to find your ideal resale flat

And we’ve created a chart to help you determine the grant amount you’ll get as well, if you’re a first-timer. Scroll down to see it.

Types of HDB resale grants

Get ready, it’s quite a long list. (There’s a handy infographic below, too.)

For first-timer applicants

To be considered a first-timer applicant, you must:

  • not be the owner of a HDB flat, Executive Condominium (EC) unit, Design, Build and Sell Scheme (DBSS) flat bought from a developer
  • not have sold a HDB flat, EC, DBSS flat
  • not have received any CPF Housing Grants for a HDB resale flat
  • not received other forms of housing subsidy, e.g. benefitted under the Selective En bloc Redevelopment Scheme (SERS), HUDC estate privatisation

For couples/families

Family Grant (FG)

How much:

  • S$50,000 if buying a 2- to 4-room HDB resale flat
  • S$40,000 if buying a 5-room or larger HDB resale flat

Income ceiling:
To qualify for the Family Grant, the buyers’ household income must not exceed S$14,000.
The exception is when applying to live with extended families; for this, the income ceiling is S$21,000. The higher grant amount is to encourage older couples or working adults to live with their extended families – including siblings and parents.

Note: The income ceiling for this and other grants is calculated by taking the monthly average of your total household income for the past 12 months.

Who can qualify for the Family Grant:

  • Married/engaged couples or families who are first-timer applicants buying an HDB resale flat, and do not exceed the income ceiling

If one party is a Singapore Permanent Resident (SPR), they will receive S$10,000 less (i.e. S$40,000 for 2- to 4-room; S$30,000 for 5-room or larger)

Additional criteria:

  • Remaining lease of flat must be 20 years or more

Enhanced CPF Housing Grant (EHG)

How much:

  • A maximum of S$80,000

Income ceiling:
To qualify for the Enhanced Housing Grant (EHG), the buyers’ household income must not exceed S$9,000
. This is also a tiered grant, meaning that the lower your income, the higher the EHG amount you may be eligible for.

(To know how much in EHG you can get for a specific household income, see our infographic below.)

You can qualify for the EHG if you meet all of the following criteria:

  • You are already receiving the Family Grant but wish to receive additional grants, and do not exceed the EHG income ceiling
  • At least one of the applicants must have worked continuously for the 12 months prior to the flat application and still be working at the point of the flat application

Additional criteria:

  • Remaining lease of flat must be 20 years or more.
  • The flat must have sufficient lease to cover the youngest buyer and spouse/fiancé(e) to the age of 95. Otherwise, the EHG will be pro-rated.

Proximity Housing Grant (PHG)

How much:

  • S$20,000 if living near your parent’s/children’s home (within 4km)
  • S$30,000 if living with your parents/children in the same resale flat

Income ceiling:
Good news, the PHG has no income ceiling restrictions!

Additional criteria:

  • Applicants for this grant must not have previously received the PHG
  • Read more about the PHG in this article

Here’s the breakdown for HDB resale grants in a handy infographic

hdb resale grants cpf family grant ehg phg amount chart infographic
(Click/tap to enlarge.)

You can use the infographic to find out, at a glance, how much in HDB resale grants you may be eligible for. Here’s an example:

Let’s say you and your spouse are first-time applicants, and would like to buy a 5-room HDB resale flat near your parent’s home. With one child and a baby on the way, living near your parents will give you a peace of mind. You will receive:

  • S$20,000 in PHG, as you are living within 4km of your parent’s but not with them.

You are earning S$5,000/month, and your spouse is earning S$3,500/month. The average gross monthly household income is S$8,500. This means:

  • You have met the income ceiling and are therefore eligible for the Family Grant. As you are purchasing a 5-room flat, you will receive S$40,000 in Family Grants.
  • You have also met the income ceiling and are eligible for the EHG. According to the S$8,500 household income, you will receive S$10,000 in EHG Grants.

In this scenario, you’re eligible for a total of S$70,000 in HDB resale grants. Not bad!

[Psst, there’s more about BTO/resale grants for couples in this article, which includes a flowchart to help you see what grants you may be eligible for.]

For singles

First of all, you need to be aged 35 and above to buy a HDB flat as a single.

Singles Grant

How much:

  • S$25,000 if buying a two- to four-room HDB resale flat
  • S$20,000 if buying a five-room or larger HDB resale flat*

*Singles applying under the Single Singapore Citizen Scheme will not qualify for the Singles Grant if the flat size exceeds a five-room flat (e.g. an executive flat)

Income ceiling:
To qualify for the Singles Grant, your average household income for the past 12 months must not exceed S$7,000 if you’re buying under the Single Singapore Citizen Scheme (or S$14,000 if buying under other schemes such as Joint Singles Scheme).

Additional criteria:

Enhanced CPF Housing Grant (EHG) for Singles

How much:

  • A maximum of S$40,000

Income ceiling:
To qualify for the Enhanced Housing Grant (EHG) for Singles, the buyer’s household income must not exceed S$4,500. This is also a tiered grant; the lower your income, the higher the EHG amount you may be eligible for.

You can qualify for the EHG for Singles if you meet all of the following criteria:

  • You are already receiving the Singles Grant but wish to receive additional grants, and do not exceed the EHG for Singles income ceiling
  • You must have worked continuously for the 12 months prior to the flat application and still be working at the point of the flat application

Additional criteria:

  • Remaining lease of flat must be 20 years or more.
  • The flat must have sufficient lease to cover you, the sole owner, to the age of 95. Otherwise, the EHG will be pro-rated.

Proximity Housing Grant (PHG)

How much:

  • S$10,000 if living near your parent’s/children’s home (within 4km)
  • S$15,000 if living with your parent’s/children in the same resale flat

Income ceiling:
Good news, the PHG has no income ceiling restrictions!

Additional criteria:

  • Applicants for this grant must not have previously received the PHG
  • Read more about the PHG in this article

For newly married couples

Previously received a grant as a single but got married? HDB lets you top up your grant!

Top-Up Grant

How much:

  • The amount of the Family Grant amount you are eligible for currently, minus the Singles Grant amount you had previously received

Income ceiling:
The combined income of the household must not be more than S$14,000 a month, based on the average income for the past 12 months*.

*Exception: For Singapore Citizen/Singapore Permanent Resident (SC/SPR) households with the SPR spouse now obtaining Singapore Citizenship status, they are eligible for a Citizen Top-Up Grant of S$10,000 with no maximum household income restrictions, although they are subject to other criteria.

You can qualify for the Top-Up Grant if you meet the following criteria:

  • You have previously received a Singles Grant to buy a resale or bought a 2-room BTO flat under the Single Singapore Citizen Scheme or Joint Singles Scheme
  • You have previously received a Singles Grant to buy a resale flat or bought a 2-room BTO flat under the Non-Citizen Spouse Scheme, and your spouse or child is now an SC or SPR
  • Here are HDB’s full terms and conditions for the Top-Up Grant

For second-timer applicants

Yes, there are grants for you too.

Step-Up CPF Housing Grant

How much:

  • S$15,000 grant based on your current and future flat types.

Income ceiling:
The combined income of the household must not be more than S$7,000 a month, based on the average income for the past 12 months.

For who?

  • Only those currently living in public rental flats OR in a 2-room subsidised flats in a non-mature estate are eligible

Here are the full terms and conditions.

Half-Housing Grant

How much:

  • S$25,000 if buying a two- to four-room HDB resale flat
  • S$20,000 if buying a five-room or larger HDB resale flat

Income ceiling:
The combined income of the household must not be more than S$14,000 a month, based on the average income for the past 12 months.

For who?

  • For couples where one spouse/fiancé/fiancee is a second-timer

This is basically half the amount of the Family Grant. It’s reserved for first-time applicants whose spouse/fiancé/fiancee has previously received a housing subsidy.

Like the Family Grant, the average monthly income should not exceed S$14,000 or, for those applying to live with extended families, S$21,000.

The maximum amount of HDB resale grants you can get is S$160,000.

With the three main grants – Family Grant, EHG and PHG – available for resale flats, you may be eligible to receive a total of S$160,000. Pretty impressive, huh?

In comparison, the typical BTO applicants will be eligible for a total maximum of S$80,000 in grants, as they may only be eligible for the EHG. BTO applicants do not qualify for the Family Grant or the Proximity Housing Grant.

And if you are wondering why the large gap, it is because resale flats are sold at market value. On the other hand, BTO flats are sold by HDB at a discounted amount. The discount is mainly due to the additional waiting time involved for a BTO flat to be built.

For certain locations and towns, if you factor in the higher HDB grants available for a resale flat, the cost of buying a HDB resale flat can be even lower than a BTO flat. (Of course, the catch is that HDB resale flats have a lower remaining lease, whereas BTOs come with a fresh 99-year lease.)

How do HDB resale grants work?

Submitting the applications for HDB resale grants come after you’ve found a flat you like. Once you and the sellers have agreed on the asking price, and have submitted the Option to Purchase, you will then need to submit a resale application via the HDB Resale Portal (your agent may assist you).

On your resale application, you’ll be asked to specify which CPF Housing Grants you are applying for and to submit supporting income documents.

Once approved, housing grants are disbursed to your CPF Ordinary Account (CPF-OA) to pay for your HDB resale flat upfront. The grant amount is first used to cover any outstanding downpayment of the flat, before being used to reduce the amount you need to loan.

But here’s the catch. When you eventually sell the flat you received these grants for, you will need to return them, as well as a 2.5% per annum interest for every year you’ve had your flat.

To find out more about accrued interest, read this article: How your HDB sale proceeds might get “taken” by CPF.

Next step, find your ideal HDB resale flat

Now that you’re all caught up with HDB resale grants, it’s time to start looking for a home. Property portal 99.co has a number of search filters to help you with your search:

  • Travel Time lets you narrow down listings by travel time. If you hate commuting or want to find the sweet spot in between up to five locations, use this to find your ideal resale flat.
  • Radius Filter lets you search for listings within 4km of an address. This is helpful if you want to qualify for the Proximity Housing Grant (PHG).
  • School Filter lets you see listings with 1km of any primary school in Singapore.
  • Video Viewing lets you see listings that are available for online viewings. You can view potential flats without having to leave the house—a must-have for home-searching during the Covid-19 pandemic!

Have a question on HDB resale grants? Ask us in the comments below!

If you found this article useful, 99.co recommends HDB Open Booking of Flats: Is it better and cheaper than resale? and If you’re choosing between a resale HDB and a condo, read this.


Frequently Asked Questions

What grants are available for HDB resale flats?

Depending on your eligibility, there are a few main grants available: the CPF Housing Grant, Enhanced CPF Housing Grant, Proximity Grant and Family Grant.

Other grants include: Top-Up Grant, Step-Up Grant and Half-Housing Grant.

What's the maximum amount of HDB grants I can receive?

You can receive up to S$160,000 with the three main grants – Family Grant, EHG and PHG.

How will I receive my HDB grants?

Housing grants are disbursed to your CPF Ordinary Account (CPF-OA) to pay for your HDB resale flat upfront. The grant amount is first used to cover any outstanding downpayment of the flat, before being used to reduce the amount you need to loan.

Can I keep my HDB grants forever?

Sorry, if you sell the flat you received these grants for, you’ll need to return them, as well as a 2.5% per annum interest for every year you’ve had your flat.

Looking for a property?

Find the home of your dreams today on Singapore’s fastest-growing property portal 99.co! If you would like to estimate the potential value of your property, check out 99.co’s Property Value Tool for free. Also, don’t forget to join our Facebook community page or Telegram chat group! Meanwhile, if you have an interesting property-related story to share with us, drop us a message here — and we’ll review it and get back to you.

Reader Interactions

Comments

    • Rozita binte ahfif

      My daughter is 25 this year can she buy a resale flat n me as a second owner…we actually staying in one room rental flat n asking for transfer for 2 rooms rented flat…as advice the hdb branch officer ask my daughter to buy a flat coz its not worth of renting coz the renting will be higher as my daughter pay is about $2500…so the hdb branch officer ask my daughter reconsider to buy a house…my daughter ever went to hdb n my daughter couldnt get any grant coz i ever bought a house n ever use grant before…can you pls help can my daughter buy a house n can she get any grant…my daughter n i ever go to hdb n the officer say my daughter can buy house only if my name under occupier pls advice if my daughtet can get the grant n buy house with her age now …thk u

      • Kyle Leung

        Hi Rozita, thanks for your query. As a single, your daughter can only buy a HDB flat when she turns 35. If you’re just listed as an occupier, she will still. However, if you’re currently living in a one-room rental flat, you may be eligible for the Step-up grant of $15,000. Also, depending on what grants you have taken before, you + your daughter may be eligible for the EHG (Singles), and also the Proximity Housing Grant of up to $30,000. You can get more info from this article: Quick Guide to BTO and Resale HDB Grants for Couples [2020 Edition]

    • KAN KOK WENG

      Hi I bought my resale 3rm HDB in 2013 at the time both of us PR. I converted to singapore citizen on 2018. Is it consider first time application for my situation now? My pay is ard $3500 and my wife not working. May i know how much grant I can get?

    • Dave

      Regarding the grant amount deposited into our OA, it’ll be used to offset the down-payment, that’s clear. However, what if you’re taking a bank loan and your EXISTING OA balance already covers the 20% requirement, does that mean the purpose of the grant is simply to reduce the amount taken off your OA (hence, you can compound a greater OA balance) and it ultimately has no difference towards your loan amount and mortgage?

      For example (Bank loan)
      Prop price: 100000
      Downpayment: 25000
      OA balance before grant: 25000
      Downpayment by cash: 5000
      Downpayment by CPF: 20000
      Loan amount: 75000
      Grant amount: 20000

      In this case, the loan amount is still the same as without grant, right? The only diff is my OA won’t start from zero.

      Kinda confused, so thanks in advance.

      • Kyle Leung

        Hi Dave, yes, you are right. The existing CPF-OA amount will remain untouched if the cash + grant amount covers the downpayment fully and your bank loan is in place. You may also choose not to apply for the grant.

    • Debbie Woodford

      How can my brother purchase a flat ? He’s divorced and single now. No dependents. Is he entitled to purchase a balance flats from the 2 bedroom flexi flats?

    • Adli Sulaiman

      Hi there,

      I’m a Singaporean and my wife is a foreigner holding an LTVP.
      We just had our first child a few weeks ago.

      Under what scheme will we fall under? Foreign spouse scheme?

      If so how much grants can I receive.

    • S H TAN

      Hi I am divorced and in my 2nd marriage.
      Bought 1st HDB resale with 1st timer grant. 2nd HDB bought from open market. Divorced and gave away entirely unit to my ex- wife. Remarried and current with is PRC and on Long Term Visit Pass . What grant can i take up if i were to buy from open market. If i apply for BTO, will HDB waive the levy as I am no more interest in the earlier property and did not profit and in fact given away my entire OA.

    • Kelvin

      I am a male, divorced about 6 years ago, age 47, may I know what Grant’s is applicable to me when I buy a resale flat? I am not allowed to buy flat directly from HDB? Can I use my CPF to service my bank loan? And can I take a loan from HDB? The above are some of the queries that I have, need advice…thks.

    • Wei Jing

      Hi there, wanted to clarify as my spouse is currently a LTVP holder, am i still eligible to buy a resale flat? (understand that i am not eligible for a BTO flat). Would also hope you can answer some of my queries below :

      1. Currently i have a joint ownership with my father in my current flat, if i remove my ownership form the current flat, am i eligible to purchase a resale flat?

      2. If i am eligible, which type of grant can i take? Current flat i did not take any grant fyi.

      3. Also, what is the payment procedures like when purchasing a resale flat?

    • Hello, does all 3 applies if my spouse is a non SC?
      EHG, Family grant and PHG, if i stay near my parents. Appreciate the reply. Thanks!!

    • Jane

      My parents just divorced. I am 27 year old and planning to buy a 3 room resale flat with my mother. Am I able to buy a resale flat together with my mum as I am less than 35 year old? Also if I am able to do that, what are the grants we are eligible for if my mother have not taken any grants before. Thanks in advance!

    • Alexandria Chu

      Can I get these grants for a Executive Apartment as well?

    • Good article! We are linking to this great article on our site. Keep up the good writing.

    • Tommy Chew

      Currently I am applying for HDB resale hse. My property agent didn’t know of the 6 mth rule of the self employ and do a submission of the application in 22 October 2020. Thus HDB rejected my single grant of 25000 as they wanted april to Sept 2020 income which 8k but my may to October 2020 is 6k. In this situation, what shall I do?

    • Marcus

      Hi, I and my ex-wife bought 4rm resale flat many years ago as PR in joint tenancy. Now we are divorced. She agreed to transfer the flat to me, and refund her CPF and accrued interests about $30k. I am above 35 years old and now converted to Singaporean. Can I apply for the HDB single grands and enhanced grant to pay for the $30k CPF refund to my ex-wife? Thanks.

    • Carlos Atienza Malicsi

      We are family of four of which myself ,my wife and my youngest son are all SPR except for my oldest son is now an SC. We’ve been SPR since 2006. May I enquire where we can fit-in to apply for a resale flat. Is there a waiting period for HDB approval,. We can only use our CPF for this purpose.

      Thank you

    • Peter tan

      Hi.as am singaporean,are we entitle for 2nd time for hdb housing loans…?
      We had bought am 2nd hand EC,about 8years old.still not yet privatise yet.that loans is from ocbc. in singapore,buying am EC, is consider,am private apt/condo. Are thay no different derive from minimun stay of 5 years.them allow to sell to singaporean/pr.but not to foreigner,unlike private condo.can sell anytime to foreigner.i buy am EC, is till not privatise.still under the hdb guideline.not privatise guideline…wat is that going to do with 2nd timer entitle hdb housing loans .and those who ever buy amEC,that took bank loans .instead of hdb loans.am i believe many singaporeans is facing this issue….where is local born singaporean given any choice of priviledge.for hdb loans.is for all singsporean/pr. Must be entitle for hdb loans,this is national democratics by our’s belove ,LKY. Thanks.

Leave a comment

Your email address will not be published. Required fields are marked *

Get the latest news in your inbox

  • This field is for validation purposes and should be left unchanged.