{"id":7766,"date":"2016-02-21T04:01:18","date_gmt":"2016-02-20T20:01:18","guid":{"rendered":"https:\/\/www.99.co\/blog\/singapore\/?p=7766"},"modified":"2022-07-01T04:04:43","modified_gmt":"2022-06-30T20:04:43","slug":"hdb-housing-grants","status":"publish","type":"post","link":"https:\/\/www.99.co\/singapore\/insider\/hdb-housing-grants\/","title":{"rendered":"99.co’s guides: First timers’ guide to HDB housing grants"},"content":{"rendered":"
<\/div>

In the Singapore Budget session recently, it was announced that the existing amounts for the HDB housing grants for resale flats will be increased. This is certainly welcoming news for first time home buyers and singles alike, \u00a0especially when\u00a0purchasing a home in one Asia\u2019s most expensive housing markets.\u00a0\u00a0The difficulty however, is trying to figure which of the many grants that HDB offers actually applies to you.<\/span><\/p>\n

HDB housing grants currently available (with the new revision)<\/strong><\/h3>\n

Generally, you must be a Singapore Citizen (SC) or Singapore Permanent Resident (SPR) to qualify for a housing grant, with at least one SC applicant in your petition. If a PR\/non-citizen is involved, the grant amount will be reduced, with an option to top up the grant to the full sum once the non-PR\/citizen receives citizenship.<\/span><\/p>\n

While housing grants are for the most part reserved for first-time (FT) applicants, couples comprising FT (SC) and second-time (ST) applicants are now eligible to receive a reduced grant amount even if the ST has previously received a housing subsidy.<\/span><\/p>\n

\"what
Make use of HDB housing grants to pay a lower price for your flat<\/figcaption><\/figure>\n
    \n
  1. Applying for a BTO flat<\/b><\/li>\n<\/ol>\n

    A Build-to- Order (BTO) flat is already heavily subsidised before it\u2019s put on the market.<\/span><\/p>\n

    Nevertheless, you can still qualify for the Additional CPF Housing Grant (AHG) or the Special CPF Housing Grant (SHG), which could take a significant amount off the purchase price depending on your gross average monthly income \u2013 the lower it is, the higher the grant you\u2019ll receive.<\/span><\/p>\n

    For example, if you\u2019re a SC couple (both first-timers) applying for a 2-room flexi flat with an average monthly income of $1,500, you would qualify for the maximum grant amount under both the AHG and SHG, and get $80,000 off the cost of your flat ($40,000 (AHG) + $40,000 (SHG)).<\/span><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
    If you’re a…\u00a0<\/b><\/td>\nApplying for…<\/b><\/td>\nWith a gross average monthly income of…<\/b><\/td>\n\n

    You qualify for…<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    SC with a SC\/SPR\u00a0<\/span>spouse\/fianc\u00e9(e)<\/span><\/p>\n<\/td>\n

    		2-room Flexi flat or larger<\/span><\/td>\n\u2264 $5,000<\/span><\/td>\nAdditional CPF Housing Grant<\/span><\/a><\/p>\n

    up to $40,000<\/b><\/td>\n<\/tr>\n

    2-room Flexi, 3-room or 4-room flat in a non-mature estate<\/span><\/td>\n\u2264 <\/span>$8,500<\/span><\/td>\n\n

    Special CPF Housing Grant<\/span><\/a><\/p>\n

    up to $40,000<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    SC with a non-SC\/SPR\u00a0<\/span>spouse
    \n<\/span>\/fianc\u00e9(e)<\/span>1<\/b><\/p>\n<\/td>\n

    		2-room Flexi flat in a non-mature estate<\/span><\/td>\n\u2264 $2,500<\/span><\/td>\nAdditional CPF Housing Grant (Singles)<\/span><\/a><\/p>\n

    up to $20,000<\/b><\/td>\n<\/tr>\n

    \u2264 <\/span>$4,250<\/span><\/td>\n\n

    Special CPF Housing Grant (Singles)<\/span><\/a><\/p>\n

    up to $20,000<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    Joint Singles Scheme<\/span><\/p>\n

    applicants<\/span>2<\/b><\/p>\n<\/td>\n

    		2-room Flexi flat in a non-mature estate<\/span><\/td>\n\u2264$5,000<\/span><\/td>\nAdditional CPF Housing Grant<\/span><\/a><\/p>\n

    up to $40,000<\/b><\/td>\n<\/tr>\n

    \u2264 <\/span>$8,500<\/span><\/td>\n\n

    Special CPF Housing Grant<\/span><\/a><\/p>\n

    up to $40,000<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    Orphans Scheme<\/span><\/p>\n

    applicants<\/span>3<\/b><\/p>\n<\/td>\n

    		2-room Flexi or larger flat<\/span><\/td>\n\u2264$5,000<\/span><\/td>\nAdditional CPF Housing Grant<\/span><\/a><\/p>\n

    up to $40,000<\/b><\/td>\n<\/tr>\n

    2-room Flexi, 3-room or 4-room flat in a non-mature estate<\/span><\/td>\n\u2264 <\/span>$8,500<\/span><\/td>\n\n

    Special CPF Housing Grant<\/span><\/a><\/p>\n

    up to $40,000<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    Single Singapore Citizen Scheme applicant<\/span>4<\/b><\/p>\n<\/td>\n

    		2-room Flexi flat in a non-mature estate<\/span><\/td>\n\u2264 $2,500<\/span><\/td>\nAdditional CPF Housing Grant (Singles)<\/span><\/a><\/p>\n

    up to $20,000<\/b><\/td>\n<\/tr>\n

    \u2264 <\/span>$4,250<\/span><\/td>\n\n

    Special CPF Housing Grant (Singles)<\/span><\/a><\/p>\n

    up to $20,000<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    FT (SC) with a ST<\/span><\/p>\n

    spouse\/fianc\u00e9(e)<\/span>1<\/b><\/p>\n<\/td>\n

    		2-room Flexi flat or larger<\/span><\/td>\n\u2264 $2,500<\/span><\/td>\nAdditional CPF Housing Grant<\/span><\/a><\/p>\n

    up to $20,000<\/b><\/td>\n<\/tr>\n

    2-room Flexi, 3-room or 4-room flat in a non-mature estate<\/span><\/td>\n\u2264 <\/span>$4,250<\/span><\/td>\n\n

    Special CPF Housing Grant<\/span><\/a><\/p>\n

    up to $20,000<\/b><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    1\u00a0<\/b>The income ceiling here is calculated as half of the gross average monthly income, instead of full gross average monthly income<\/span><\/em><\/p>\n

    2\u00a0<\/b>Up to four applicants can apply under the Joint Singles Scheme. All applicants must be SC, at least 35 years old <\/span><\/em><\/p>\n

    3\u00a0<\/b>All applicants applying under the Orphans scheme need to be at least 21 years old, orphans and single (unmarried, divorced, or widowed). At least one applicant must be SC, and the other co-applicants must be SC\/SPR<\/span><\/em><\/p>\n

    4\u00a0<\/b>Must be a SC, FT, \u00a0and single (unmarried, divorced, or widowed)<\/span><\/em><\/p>\n

    2. Applying for an Executive Condominium<\/b><\/p>\n

    As if it isn\u2019t hard enough for single people to buy homes here, here\u2019s another whammy: grants for executive condominiums are only open to applicants who apply as a family.<\/span><\/p>\n\n\n\n\n\n
    \n

    If you’re a…<\/b><\/p>\n<\/td>\n

    		With a gross average monthly income of…<\/b><\/td>\n\n

    You qualify for…<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    SC with a SC\/SPR<\/span><\/p>\n

    spouse\/fianc\u00e9(e)<\/span><\/p>\n<\/td>\n

    		\u2264$12,000<\/span><\/td>\nFamily Grant<\/span><\/a><\/p>\n

    up to $30,000 \/ $20,000<\/b>1<\/b><\/td>\n<\/tr>\n

    FT (SC) with a ST<\/span><\/p>\n

    spouse\/fianc\u00e9(e)<\/span><\/td>\n

    		\u2264$12,000<\/span><\/td>\n\n

    Half-Housing Grant<\/span><\/a><\/p>\n

    up to $15,000<\/b><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n


    \n3. Applying for a Resale Flat<\/b><\/p>\n

    As mentioned, there has been changes to the resale flat HDB housing grants as per the recent Singapore Budget session.\u00a0<\/span>In the Singapore Budget statement, it was announced that HDB housing grants for resale flat applicants will be raised from $30,000 to $50,000 for first-time applicants looking to buy 4-room or smaller HDB flats, and\u00a0from $30,000 to $40,000 for 5-room flats and bigger.<\/p>\n

    It\u2019s always a toss-up between getting a resale flat or the cheaper BTO flat, but with prices of resale flats dropping to some of the lowest we\u2019ve seen in years, it may be worth giving resale flats a second look \u2013 especially when you consider the number of HDB housing grants you can take advantage of!<\/span><\/p>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n
    If you’re a…<\/b><\/td>\nWith a gross average monthly income of…<\/b><\/td>\n\n

    You qualify for…\u00a0<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    SC with a SC\/SPR<\/span><\/p>\n

    spouse\/fianc\u00e9(e)<\/span><\/p>\n<\/td>\n

    		\u2264 <\/span>$12,000<\/span><\/p>\n

    (<\/span>\u2264 <\/span>$18,000 if applying with extended family)<\/span><\/td>\n

    		Family Grant<\/span><\/a><\/p>\n

    $50,000 for 4 room flat or smaller <\/b><\/p>\n

    $40,000 for 5-room flat or bigger<\/b><\/td>\n<\/tr>\n

    \n

    \u2264 <\/span>$5,000<\/span><\/p>\n<\/td>\n

    		Additional CPF Housing Grant<\/span><\/a><\/p>\n

    up to $40,000<\/b><\/td>\n<\/tr>\n

    N.A.<\/span><\/td>\n\n

    Proximity Housing Grant (Family)<\/span><\/a><\/p>\n

    $20,000<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    SC with a non-SC\/SPR<\/span><\/p>\n

    spouse\/fianc\u00e9(e)<\/span>1<\/b><\/p>\n<\/td>\n

    		\n

    \u2264 <\/span>$12,000<\/span><\/p>\n<\/td>\n

    		\n

    Singles Grant<\/span><\/a><\/p>\n

    $15,000<\/b><\/p>\n<\/td>\n<\/tr>\n

    \u2264$2500<\/span>1<\/b><\/td>\n\n

    Additional CPF Housing Grant (Singles)<\/span><\/a><\/p>\n

    up to $20,000<\/b><\/p>\n<\/td>\n<\/tr>\n

    N.A.<\/span><\/td>\n\n

    Proximity Housing Grant (Singles)<\/span><\/a><\/p>\n

    $10,000<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    Joint Singles Scheme<\/span><\/p>\n

    applicant<\/span>2<\/b><\/p>\n

    or<\/span><\/p>\n

    Orphans Scheme<\/span><\/p>\n

    applicant<\/span>3<\/b><\/p>\n<\/td>\n

    		\u2264 <\/span>$12,000<\/span><\/td>\nSingles Grant<\/span><\/a><\/p>\n

    $15,000<\/b><\/td>\n<\/tr>\n

    \n

    \u2264 <\/span>$5,000<\/span><\/p>\n<\/td>\n

    		\n

    Additional CPF Housing Grant (Singles)<\/span><\/a><\/p>\n

    up to $20,000<\/b><\/p>\n<\/td>\n<\/tr>\n

    N.A.<\/span><\/td>\n\n

    Proximity Housing Grant (Singles)<\/span><\/a><\/p>\n

    $10,000<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    Single Singapore Citizen<\/span><\/p>\n

    Scheme applicant<\/span>4<\/b><\/p>\n<\/td>\n

    		\u2264 <\/span>$6,000<\/span><\/p>\n

    (2 to 5-room resale flat)<\/span><\/td>\n

    		Singles Grant<\/span><\/a><\/p>\n

    $25,000 for 4 <\/b>room flat or smaller<\/b><\/p>\n

    $20,000 for 5 room flat or bigger<\/strong><\/td>\n<\/tr>\n

    \n

    \u2264 <\/span>$2,500<\/span><\/p>\n<\/td>\n

    		\n

    Additional CPF Housing Grant (Singles)<\/span><\/a><\/p>\n

    up to $20,000<\/b><\/p>\n<\/td>\n<\/tr>\n

    N.A.<\/span><\/td>\n\n

    Proximity Housing Grant (Singles)<\/span><\/a><\/p>\n

    $10,000<\/b><\/p>\n<\/td>\n<\/tr>\n

    \n

    FT (SC) with a ST spouse\/fianc\u00e9(e)<\/span><\/p>\n<\/td>\n

    		\u2264 <\/span>$12,000<\/span><\/p>\n

    (<\/span>\u2264 <\/span>$18,000 if applying with extended family)<\/span><\/td>\n

    		\n

    Half-Housing Grant<\/span><\/a><\/p>\n

    up to $15,000<\/b><\/p>\n<\/td>\n<\/tr>\n

    N.A.<\/span><\/td>\n\n

    Proximity Housing Grant (Family)<\/span><\/a><\/p>\n

    $20,000<\/b><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n

    1\u00a0<\/b>The income ceiling here is calculated as half of the gross average monthly income, instead of full gross average monthly income<\/span><\/em><\/p>\n

    2\u00a0<\/b>Up to four applicants can apply under the Joint Singles Scheme. All applicants must be SC, at least 21 years old (if widowed or an orphan) or 35 years old (if unmarried or divorced)<\/span><\/em><\/p>\n

    3\u00a0<\/b>All applicants applying under the Orphans scheme need to be at least 21 years old, orphans and single (unmarried, divorced, or widowed). At least one applicant must be SC, and the other co-applicants must be SC\/SPR<\/span><\/em><\/p>\n

    4\u00a0<\/b>Applicant must be SC, and at least (i) 21 years old (if widowed or an orphan) or (ii) 35 years old (if unmarried or divorced)<\/span><\/em><\/p>\n

    Making the most of your HDB housing grants<\/b><\/h3>\n

    The quantum of the grant you get varies with factors like income, citizenship and marital status, so it\u2019s really up to you to try and make the most of the schemes and HDB housing grants available.<\/span><\/p>\n

    For example, try to apply for your flats when your gross average salary is at its lowest so that you can maximise the grant amount that you\u2019re eligible for.<\/span><\/p>\n

    Another tip: before you get your heart set on a particular flat, review the types of flats that are eligible for grants and choose flats which allow you to qualify for as many grants as you can; for example, choosing a flat near your parents to take advantage of the Proximity Housing Grant is a no-brainer! <\/span><\/p>\n

    Be sure to check out our <\/span>article on how to optimise your CPF Housing grants<\/span><\/a>\u00a0and quick guide to BTO, SBF and resale HDB grants for couples<\/a> for more great tips!<\/span><\/p>\n

    Find your dream home today on Singapore\u2019s largest\u00a0property portal 99.co<\/a>!<\/p>\n","protected":false},"excerpt":{"rendered":"

    When it comes to HDBs, we’ve got HDB housing grants to fall back on. The difficulty is trying to figure out which actually applies to you.<\/p>\n","protected":false},"author":31,"featured_media":54524,"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":"","_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":[53593,53631,53632,53589,57131],"tags":[53959,53634,53915,53924,53644,53956],"persona":[],"class_list":{"2":"type-post","18":"entry","19":"has-post-thumbnail"},"acf":[],"yoast_head":"\n99.co's guides: First timers' guide to HDB housing grants<\/title>\n<meta name=\"description\" content=\"When it comes to HDBs, we've got HDB housing grants to fall back on. 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