Last Updated on 30 Jul 2013

Under the CPF Housing Grant Scheme, the Government will provide eligible buyers of resale flats with a housing subsidy.


To help low-income families own their first HDB flats, the Government is also providing a new Special CPF Housing Grant (SHG) for families earning not more than $2,250 a month. The grant ranges from $5,000 to $20,000 and will benefit about 1 in 4 citizen households.

The SHG is over and above the regular housing subsidy for new flats and the Additional CPF Housing Grant (AHG).

Below is the list of available CPF Housing Grant:

Target RecipientGrant Type
Married couples who are first-timer applicantsFamily Grant
Married couples who are

  • first-timer applicants and
  • buying a resale flat near their parents’/married child’s HDB flat or owner-occupied private residential property
Higher-tier Family Grant
Family Grant/ Higher-tier Family Grant applicantsAdditional CPF Housing Grant (AHG)
Single Singapore Citizen applicants aged 35 or above who

  • buy a resale flat on their own under Single Singapore Citizen (SSC) Scheme, or
  • buy a resale flat jointly under Joint Singles Scheme (JSS)

Married Singapore Citizens aged 21 or above who buy a resale flat under the Non-Citizen Spouse Scheme

Singles Grant
Single citizen applicants aged 35 years or above who buy a resale flat to live with their parentsHigher-tier Singles Grant
Singles Grant recipients who

  • were single and later get married
  • bought a resale flat under the Non-Citizen Spouse Scheme, and whose non-citizen spouse or child later obtained Singapore Citizenship or permanent residence status.
Top-up Grant to the Family Grant
First-timer citizen applicants with spouses who had previously taken a housing subsidyHalf-Housing Grant
Singles Grant/ Higher-tier Singles Grant/Top-Up Grant/ Half-Housing Grant applicantsAdditional CPF Housing Grant (AHG) for Singles


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Ivan Guan is the author of the popular book "FIRE Your Retirement". He is an independent financial adviser with more than a decade of knowledge and experience in providing financial advisory services to both individuals and businesses. He specializes in investment planning and portfolio management for early retirement. His blog provides practical financial tips, strategies and resources to help people achieve financial freedom. Follow his Telegram Channel to join the FIRE community.
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