{"id":49224,"date":"2022-03-08T19:23:16","date_gmt":"2022-03-08T11:23:16","guid":{"rendered":"https:\/\/www.99.co\/singapore\/insider\/?p=49224"},"modified":"2022-06-13T17:58:34","modified_gmt":"2022-06-13T09:58:34","slug":"getting-the-most-out-of-cpf-housing-grant","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/","title":{"rendered":"What you need to know to get the most out of CPF’s Housing Grants"},"content":{"rendered":"
<\/div>

Buying a HDB flat in Singapore is an exciting yet daunting step. It comes with a substantial financial outlay and monthly repayments that will accompany you for the next few decades of your life.<\/p>\n

Luckily, there are several government schemes and grants you can tap on to make your home-buying journey a smooth sailing one.<\/span><\/p>\n

This guide will help you narrow down which grants you qualify for.\u00a0<\/span><\/p>\n

How will I get my housing grants?<\/span><\/strong><\/h2>\n

The grants you qualify for will be fully credited directly into your CPF Ordinary Account (OA) before being used to offset the purchase price of your flat.\u00a0<\/span><\/p>\n

Overview of the criteria for various grants<\/span><\/strong><\/h2>\n

A range of criteria needs to be met for you to qualify for the grants. <\/span><\/p>\n

\u2022 Relationship status: Are you single or a couple?
\n\u2022 Citizenship status: Are you Singaporean or a non-citizen?
\n\u2022 Is this your first time purchasing a flat?
\n\u2022 What’s your household income?
\n\u2022 What type of flat are you applying for?
\n<\/span><\/p>\n

Depending on the above factors, you\u2019ll be eligible for a host of different grants. <\/span>For the majority applying to purchase a HDB flat for the first time as a Singaporean couple, here are the grants available for you.\u00a0<\/span><\/p>\n\n\n\n\n\n\n\n
HDB type<\/b><\/td>\nCPF housing grant<\/b><\/td>\nIncome ceiling<\/b><\/td>\nGrant amount<\/strong><\/td>\n<\/tr>\n
BTO\/Resale<\/b><\/td>\nEnhanced CPF Housing Grant (EHG)<\/td>\nS$9000<\/td>\nS$5,000 to S$80,000<\/td>\n<\/tr>\n
Resale<\/b><\/td>\nFamily Grant (FG)<\/td>\nS$14,000<\/td>\nS$30,000 to S$50,000<\/td>\n<\/tr>\n
Resale<\/b><\/td>\nProximity Housing Grant (PHG)<\/td>\nNone<\/td>\nS$10,000 to S$30,000<\/td>\n<\/tr>\n
EC<\/b><\/td>\nFamily Grant (FG)<\/td>\nS$12,000<\/td>\nS$5,000 to S$30,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

To get as much money from the government as possible \u2013 I mean \u2013<\/em>\u00a0to max out your grants, you should preferably be:<\/span><\/p>\n

\u2022 First-time HDB buyers
\n<\/span>\u2022 Earn S$9000 or less in combined income
\n<\/span>\u2022 Be a couple or family
\n<\/span>\u2022 Be Singapore citizens<\/span><\/p>\n

\"cash
Get all<\/em> the grants you can, because you’re gonna need it<\/figcaption><\/figure>\n

Which flat type gets more grants?<\/span><\/strong><\/h2>\n

Generally, you qualify for more grants if you decide to purchase a resale flat versus a\u00a0<\/span>Build-To-Order<\/span><\/a>\u00a0(BTO) flat,\u00a0<\/span>Sale of Balance Flat<\/span><\/a>\u00a0(SBF) or an\u00a0<\/span>Open Booking<\/span><\/a>\u00a0flat. This is because resale flats are sold on the open market, whereas the other flat types are sold directly by HDB at a highly subsidised rate. \u00a0<\/span><\/p>\n

I\u2019m purchasing a BTO flat
\n<\/span><\/strong>Those purchasing a HDB BTO flat (including SBF and Open Booking flats) can get up to S$80,000 through the Enhanced CPF Housing Grant<\/a> (EHG). <\/span><\/p>\n

There\u2019s also the\u00a0<\/span>Step-Up CPF Housing Grant<\/span><\/a>, which is only available to those upgrading from a subsidised 2-room flat or public rental flat.\u00a0<\/span><\/p>\n

I\u2019m purchasing a resale flat
\n<\/span><\/strong>If you purchase a resale HDB flat, you can get up to twice that amount through a combination of the EHG, Family Grant and the Proximity Housing Grant. That\u2019s a grand total of S$160,000, which should give your wallet a little more breathing room.<\/p>\n

Types of grants<\/span><\/strong><\/h2>\n
    \n
  1. Enhanced CPF Housing Grant (EHG)<\/span><\/strong><\/a><\/li>\n
  2. Proximity Housing Grant (PG)<\/span><\/strong><\/a><\/li>\n
  3. Family Grant (FG) for resale<\/span><\/strong><\/a><\/li>\n
  4. Family Grant (FG) for EC<\/span><\/strong><\/a><\/li>\n
  5. Step-Up CPF Housing Grant<\/span><\/strong><\/a><\/li>\n<\/ol>\n

    1. Enhanced CPF Housing Grant (EHG)<\/span><\/strong><\/h2>\n

    Grant amount:\u00a0Up to S$80,000 for couples\/families and up to S$40,000 for singles.\u00a0<\/strong><\/p>\n

    The EHG grant amount is based on your average monthly income. This means that the more you earn, the less your grant amount. I know, you can\u2019t have your cake and eat it too.\u00a0\u00a0<\/span><\/p>\n

    Which flat types qualify for EHG?<\/span><\/strong><\/p>\n

    The EHG applies to all flat types regardless of size and location, with at least 20 years remaining lease.\u00a0<\/span><\/p>\n

    If you\u2019re applying for a resale flat, it must have more than 20 years remaining on the lease; otherwise, the grant will be pro-rated. You qualify for the full EHG grant if the flat has sufficient lease to cover the youngest co-owner until they are 95 years old.\u00a0\u00a0<\/span><\/p>\n

    How to qualify for EHG?<\/span><\/strong><\/p>\n

    First-timer home buyers who are couples or families are eligible for the EHG. The combined monthly household income should not be more than S$9,000.\u00a0<\/span><\/p>\n

    At least one applicant must have had continuous employment for 12 months before application and be currently working at the time of the application submission.\u00a0\u00a0<\/span><\/p>\n

    What about singles?<\/span><\/strong><\/p>\n

    Singles aged 35 and above purchasing a resale flat are also eligible for the EHG. If you earn less than S$4,500, you can get between S$2,500 to S$40,000 in grants.\u00a0<\/span><\/p>\n

    What if my spouse isn\u2019t a Singapore Citizen?<\/span><\/strong><\/p>\n

    Non-Citizen Spouse Scheme (NCS)<\/span><\/a>: To be eligible for the EHG, if one of you isn\u2019t a Singapore Citizen, you can apply under the Non-Citizen Spouse Scheme (NCS). This has the exact requirements as singles applying for the EHG scheme.\u00a0\u00a0<\/span><\/p>\n

    What if one of us has applied for it before?<\/span><\/strong><\/p>\n

    If one person is a second-timer applicant, you qualify for the\u00a0<\/span>Half-Housing Grant<\/span><\/a>. This is half of the Family Grant (FG) you would have qualified for as a couple if both were first-time applicants.<\/span><\/p>\n\n\n\n\n\n\n
    Amount<\/b><\/td>\nS$25,000 (2, 3 or 4-room) or S$20,000 (5-room or larger)<\/td>\n<\/tr>\n
    Assistance for<\/b><\/td>\nFirst-timer Singapore citizen applicants whose spouse had previously received any housing subsidy<\/td>\n<\/tr>\n
    Monthly household income<\/b><\/td>\nNot more than S$14,000 (or S$21,000 for extended family applicants)<\/td>\n<\/tr>\n
    Also eligible for<\/b><\/td>\nEHG for singles<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    What other grants can be stacked?<\/span><\/strong>\u00a0<\/span><\/p>\n

    This grant is stackable with the Family Grant (up to S$50,000) and Proximity Housing Grant (up to S$30,000). This adds up to a total of S$160,000 in housing grants for first-time resale homebuyers.\u00a0\u00a0<\/span><\/p>\n

    2. Proximity Housing Grant (PHG)<\/span><\/strong><\/h2>\n

    Grant amount:\u00a0S$20,000 or S$30,000 for first-timers, and S$10,000 or S$15,000 for singles<\/strong><\/p>\n

    Living within a 4km radius of your parents or in-laws has its perks. Not only do you get to spend more time together, but you can also qualify for HDB\u2019s\u00a0<\/span>Proximity Housing Grant<\/span><\/a>\u00a0(PHG) of S$20,000.\u00a0<\/span><\/p>\n

    To get S$10,000 more, you can choose to live under the same roof with your parents, bringing the total grant to S$30,000.<\/span><\/p>\n

    \"\"
    Living with your parents lets you max out the Proximity Grant<\/figcaption><\/figure>\n

    Use HDB\u2019s\u00a0<\/span>Distance Enquiry e-service<\/span><\/a>\u00a0to check if your flat is within the 4km radius of your parent\u2019s home.\u00a0<\/span><\/p>\n

    Which flat types qualify for PHG?<\/span><\/strong><\/p>\n

    The PHG applies to resale flats 2-room and larger, with a remaining lease of at least 20 years. BTO flats are not eligible.<\/span><\/p>\n

    What about singles, or if one spouse isn\u2019t a Singapore citizen?<\/span><\/strong><\/p>\n

    Singles who are at least 35 years old or couples where one is a non-citizen qualify for half the grant amount. The amount received will be S$10,000 if you live within a 4km radius of their parents, and S$15,000 if you live together with their parents.\u00a0<\/span><\/p>\n

    Note:<\/span><\/strong>\u00a0You can only receive the PHG once. If you\u2019ve received it previously, you won\u2019t be able to receive it again.<\/span><\/p>\n

    3. Family Grant (FG) for resale flats<\/span><\/strong><\/h2>\n

    Grant amount:\u00a0S$50,000 (2, 3 or 4-room flat) or S$40,000 for a 5-room or bigger.\u00a0<\/strong><\/p>\n

    If you\u2019re a citizen-PR couple, you get S$10,000 less. However, if the PR converts to a Singapore citizen or you have a child, you can get the S$10,000 back.\u00a0<\/span><\/p>\n

    Just like the EHG, the remaining lease on the flat needs to have a sufficient lease length to cover the youngest co-owner until they are 95.\u00a0\u00a0<\/span><\/p>\n

    Singles:<\/span><\/strong>\u00a0If you\u2019re single, you don\u2019t qualify for the Family Grant. However, there\u2019s a Singles Grant if you\u2019re above the age of 35, drawing a monthly income of less than S$7,000. Similar to that of the EHG, the grant amounts are halved. Singles can get S$25,000 (2, 3 or 4-room) or S$20,000 for a 5-room or bigger.<\/span><\/p>\n

    Citizen-foreigner couples:<\/span><\/strong>\u00a0Citizen-foreigner couples qualify for the same Singles Grant as above, with one difference of the combined household income not exceeding S$14,000.\u00a0<\/span><\/p>\n

    Which flat types qualify for FG?<\/span><\/strong><\/p>\n

    The FG is only applicable to resale flats 2-room and larger, with a remaining lease of at least 20 years.\u00a0<\/span><\/p>\n

    What other grants can be stacked:<\/span><\/strong>\u00a0CPF Housing Grant (up to S$50,000) and Proximity Housing Grant (up to S$30,000). This adds up to a total of S$160,000 in housing grants for first-time resale homebuyers.\u00a0\u00a0<\/span><\/p>\n

    4. Family Grant (FG) for executive condominiums\u00a0<\/span><\/strong><\/h2>\n

    Grant amount:\u00a0S$10,000 to S$30,000 for Singaporeans\u00a0<\/strong><\/p>\n

    If you\u2019re a citizen-PR couple, you get S$10,000 less. However, if the PR gets citizen status in future, you can get the S$10,000 back.\u00a0<\/span><\/p>\n

    Which flat types qualify for FG?<\/span><\/strong><\/p>\n

    The FG is applicable to any executive condos bought directly from the developer. When booking your EC unit, you can immediately apply for the FG.\u00a0\u00a0<\/span><\/p>\n

    What about singles?<\/span><\/strong><\/p>\n

    Singles aren\u2019t allowed to purchase a brand new EC, unless they apply with another single. However, there aren\u2019t any grants available for you, sorry.\u00a0<\/span><\/p>\n

    5. Step-Up CPF Housing Grant<\/span><\/strong><\/h2>\n

    Grant amount:\u00a0S$15,000<\/strong><\/p>\n

    Which flat types qualify for the Step-Up Housing Grant?<\/span><\/strong><\/p>\n

    The Step-Up CPF Housing Grant applies to a 3-room resale flat in non-mature estates, with a remaining lease of at least 20 years. BTO flats are not eligible.<\/span><\/p>\n

    How to qualify for Step-Up Housing Grant?<\/span><\/strong><\/p>\n

    Second-timer home buyers who are couples or families are eligible for the EHG. The combined monthly household income should not be more than S$7,000.\u00a0<\/span><\/p>\n

    At least one applicant must have had continuous employment for 12 months before application and be currently working when the resale application is submitted.<\/span><\/p>\n

    What about singles?<\/span><\/strong><\/p>\n

    Unfortunately, the Step-Up Housing Grant is only available to couples and families.\u00a0<\/span><\/p>\n

    Do I get to keep the grants after if I decide to sell my house?<\/h2>\n

    Unfortunately, the grants aren’t free money from the government. HDB grants are disbursed in the form of CPF top-ups, which means you need to return it<\/a> (plus accrued interest!) to your CPF when you sell your flat.<\/p>\n

    Currently, the CPF OA interest rate is 2.5% per annum. This means the longer you live in your home before selling it, the higher the accrued interest you\u2019ll have to pay back into your CPF OA. Should you choose to service your home loan instalments in cash instead of using your CPF, you won’t face this issue.<\/p>\n

    The\u00a0first S$60,000 of the housing grants<\/a> will be credited back to your CPF OA account, while the remaining grant amount goes into your CPF Special Account\/Retirement Account and Medisave Account.<\/p>\n

    \n

    Which grants do you qualify for? Let us know in the comments section below or on our Facebook post.<\/h2>\n

    If you found this article helpful, check out HDB grants for singles<\/a> and Quick guide (with infographic) to BTO and resale HDB Grants for couples<\/a>.<\/p>\n

    Looking for a property? Find the home of your dreams today on Singapore\u2019s fastest-growing\u00a0property portal<\/a>\u00a099.co<\/a>! If you would like to estimate the potential value of your property, check out\u00a099.co<\/a>\u2019s Property Value Tool<\/a>\u00a0for free. Also, don\u2019t forget to join our Facebook\u00a0community page<\/a>\u00a0or Telegram\u00a0chat group<\/a>! Meanwhile, if you have an interesting property-related story to share with us, drop us a message\u00a0here<\/a>\u00a0\u2014 and we\u2019ll review it and get back to you.<\/p>\n","protected":false},"excerpt":{"rendered":"

    Buying a HDB flat in Singapore is an exciting yet daunting step. It comes with a substantial financial outlay and monthly repayments that will accompany you for the next few decades of your life. Luckily, there are several government schemes and grants you can tap on to make your home-buying journey a smooth sailing one.…<\/p>\n","protected":false},"author":123,"featured_media":25502,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","_lmt_disableupdate":"no","_lmt_disable":"","_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[57131],"tags":[53959,55999,54869,53895,53728,54908,53680],"persona":[],"class_list":{"2":"type-post","15":"entry","16":"has-post-thumbnail"},"acf":[],"yoast_head":"\nWhat you need to know to get the most out of CPF's Housing Grants - 99.co<\/title>\n<meta name=\"description\" content=\"Buying a HDB flat in Singapore might be the biggest financial outlay you might make in your life. Here are all the housing grants you can tap on.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What you need to know to get the most out of CPF's Housing Grants\" \/>\n<meta property=\"og:description\" content=\"Buying a HDB flat in Singapore might be the biggest financial outlay you might make in your life. Here are all the housing grants you can tap on.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/99dotco\/\" \/>\n<meta property=\"article:published_time\" content=\"2022-03-08T11:23:16+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2022-06-13T09:58:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/04\/money-house-fire-sale.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"733\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Jamie Wong\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@99dotco\" \/>\n<meta name=\"twitter:site\" content=\"@99dotco\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Jamie Wong\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/\"},\"author\":{\"name\":\"Jamie Wong\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/d551007feca4d19f33c9cdab4fba8971\"},\"headline\":\"What you need to know to get the most out of CPF’s Housing Grants\",\"datePublished\":\"2022-03-08T11:23:16+00:00\",\"dateModified\":\"2022-06-13T09:58:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/\"},\"wordCount\":1807,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/04\/money-house-fire-sale.jpg\",\"keywords\":[\"cpf housing grant\",\"Enhanced Housing Grant\",\"family grant\",\"housing grants\",\"Proximity Housing Grant\",\"singles grant\",\"yahoosgfeed\"],\"articleSection\":[\"Property News\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#respond\"]}],\"copyrightYear\":\"2022\",\"copyrightHolder\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"}},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/\",\"name\":\"What you need to know to get the most out of CPF's Housing Grants - 99.co\",\"isPartOf\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/04\/money-house-fire-sale.jpg\",\"datePublished\":\"2022-03-08T11:23:16+00:00\",\"dateModified\":\"2022-06-13T09:58:34+00:00\",\"description\":\"Buying a HDB flat in Singapore might be the biggest financial outlay you might make in your life. Here are all the housing grants you can tap on.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#primaryimage\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/04\/money-house-fire-sale.jpg\",\"contentUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/04\/money-house-fire-sale.jpg\",\"width\":1000,\"height\":733,\"caption\":\"Mortgage insurance protects your home\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/www.99.co\/singapore\/insider\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Property News\",\"item\":\"https:\/\/www.99.co\/singapore\/insider\/property-news\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"What you need to know to get the most out of CPF’s Housing Grants\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#website\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/\",\"name\":\"\",\"description\":\"\",\"publisher\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.99.co\/singapore\/insider\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#organization\",\"name\":\"99.co\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp\",\"contentUrl\":\"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp\",\"width\":192,\"height\":72,\"caption\":\"99.co\"},\"image\":{\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.facebook.com\/99dotco\/\",\"https:\/\/x.com\/99dotco\",\"http:\/\/instagram.com\/99.co\",\"https:\/\/www.linkedin.com\/company\/3625176\",\"http:\/\/pinterest.com\/99dotco\/\",\"https:\/\/www.youtube.com\/channel\/UCTFNrxXF9L1XZUlZNq07VKA\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/d551007feca4d19f33c9cdab4fba8971\",\"name\":\"Jamie Wong\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/e431ec1179ecd08fd5f469069363e009750f362e93fcb77ee1624fb21ba63f87?s=96&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/e431ec1179ecd08fd5f469069363e009750f362e93fcb77ee1624fb21ba63f87?s=96&r=g\",\"caption\":\"Jamie Wong\"},\"url\":\"https:\/\/www.99.co\/singapore\/insider\/author\/jamie-wong\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"What you need to know to get the most out of CPF's Housing Grants - 99.co","description":"Buying a HDB flat in Singapore might be the biggest financial outlay you might make in your life. Here are all the housing grants you can tap on.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/","og_locale":"en_US","og_type":"article","og_title":"What you need to know to get the most out of CPF's Housing Grants","og_description":"Buying a HDB flat in Singapore might be the biggest financial outlay you might make in your life. Here are all the housing grants you can tap on.","og_url":"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/","article_publisher":"https:\/\/www.facebook.com\/99dotco\/","article_published_time":"2022-03-08T11:23:16+00:00","article_modified_time":"2022-06-13T09:58:34+00:00","og_image":[{"width":1000,"height":733,"url":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/04\/money-house-fire-sale.jpg","type":"image\/jpeg"}],"author":"Jamie Wong","twitter_card":"summary_large_image","twitter_creator":"@99dotco","twitter_site":"@99dotco","twitter_misc":{"Written by":"Jamie Wong","Est. reading time":"9 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#article","isPartOf":{"@id":"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/"},"author":{"name":"Jamie Wong","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/d551007feca4d19f33c9cdab4fba8971"},"headline":"What you need to know to get the most out of CPF’s Housing Grants","datePublished":"2022-03-08T11:23:16+00:00","dateModified":"2022-06-13T09:58:34+00:00","mainEntityOfPage":{"@id":"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/"},"wordCount":1807,"commentCount":0,"publisher":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#organization"},"image":{"@id":"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#primaryimage"},"thumbnailUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/04\/money-house-fire-sale.jpg","keywords":["cpf housing grant","Enhanced Housing Grant","family grant","housing grants","Proximity Housing Grant","singles grant","yahoosgfeed"],"articleSection":["Property News"],"inLanguage":"en-US","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#respond"]}],"copyrightYear":"2022","copyrightHolder":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#organization"}},{"@type":"WebPage","@id":"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/","url":"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/","name":"What you need to know to get the most out of CPF's Housing Grants - 99.co","isPartOf":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#primaryimage"},"image":{"@id":"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#primaryimage"},"thumbnailUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/04\/money-house-fire-sale.jpg","datePublished":"2022-03-08T11:23:16+00:00","dateModified":"2022-06-13T09:58:34+00:00","description":"Buying a HDB flat in Singapore might be the biggest financial outlay you might make in your life. Here are all the housing grants you can tap on.","breadcrumb":{"@id":"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#primaryimage","url":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/04\/money-house-fire-sale.jpg","contentUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2019\/04\/money-house-fire-sale.jpg","width":1000,"height":733,"caption":"Mortgage insurance protects your home"},{"@type":"BreadcrumbList","@id":"https:\/\/www.99.co\/singapore\/insider\/getting-the-most-out-of-cpf-housing-grant\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.99.co\/singapore\/insider\/"},{"@type":"ListItem","position":2,"name":"Property News","item":"https:\/\/www.99.co\/singapore\/insider\/property-news\/"},{"@type":"ListItem","position":3,"name":"What you need to know to get the most out of CPF’s Housing Grants"}]},{"@type":"WebSite","@id":"https:\/\/www.99.co\/singapore\/insider\/#website","url":"https:\/\/www.99.co\/singapore\/insider\/","name":"","description":"","publisher":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.99.co\/singapore\/insider\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.99.co\/singapore\/insider\/#organization","name":"99.co","url":"https:\/\/www.99.co\/singapore\/insider\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/","url":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp","contentUrl":"https:\/\/www.99.co\/singapore\/insider\/wp-content\/uploads\/2022\/08\/nnco_logo.webp","width":192,"height":72,"caption":"99.co"},"image":{"@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/99dotco\/","https:\/\/x.com\/99dotco","http:\/\/instagram.com\/99.co","https:\/\/www.linkedin.com\/company\/3625176","http:\/\/pinterest.com\/99dotco\/","https:\/\/www.youtube.com\/channel\/UCTFNrxXF9L1XZUlZNq07VKA"]},{"@type":"Person","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/d551007feca4d19f33c9cdab4fba8971","name":"Jamie Wong","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.99.co\/singapore\/insider\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/e431ec1179ecd08fd5f469069363e009750f362e93fcb77ee1624fb21ba63f87?s=96&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/e431ec1179ecd08fd5f469069363e009750f362e93fcb77ee1624fb21ba63f87?s=96&r=g","caption":"Jamie Wong"},"url":"https:\/\/www.99.co\/singapore\/insider\/author\/jamie-wong\/"}]}},"modified_by":"Jamie Wong","_links":{"self":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts\/49224","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/users\/123"}],"replies":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/comments?post=49224"}],"version-history":[{"count":0,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/posts\/49224\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/media\/25502"}],"wp:attachment":[{"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/media?parent=49224"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/categories?post=49224"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/tags?post=49224"},{"taxonomy":"persona","embeddable":true,"href":"https:\/\/www.99.co\/singapore\/insider\/wp-json\/wp\/v2\/persona?post=49224"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}