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Housing Schemes & Grants

Priority Allocation for First-Timers 

To help first-timer applicants buy their first home, the Housing & Development Board (HDB) reserves at least (i) 70% of 3-room and larger Build-to-Order (BTO) flats in non-mature estates, as well as (ii) 95% of the public supply of 3-room and larger BTO flats in mature estates and Sale of Balance (SBF) flats for these applicants.

First-timers are given more ballot chances compared to second-timer applicants.

First-timer families applying for Build-To-Order (BTO) flats in non-mature estates today will therefore get a chance to select a flat within two or three tries.

First-timers with urgent housing needs and/or are less particular about location and attributes may also apply in the Re-Offer of Balance Flats (ROF) exercises to get quicker access to a flat.

Parenthood Priority Scheme

Under the Parenthood Priority Scheme, first-timer married couples with children (including those expecting a child) have priority allocation when buying a HDB flat, with up to 30% of BTO flats set aside for them.

Fiancé / Fiancée Scheme

To help couples plan for their housing needs in advance, this scheme allows courting couples to apply for a new or resale HDB flat before officially registering their marriage.

Deferment of Income Assessment for Housing Grants and Loan

First-timer couples who are full-time students or NSFs, or have recently completed their studies or NS, and are ready to settle down, can apply for a flat first and defer the assessment of their income for housing grants and loan till just before key collection.

This deferred assessment of income will apply from the May 2018 sales exercise onwards. More details will be announced closer to the date.

Married Child Priority Scheme

If you are planning to live with or near your parents for mutual care and support, you will be given priority compared to other public applicants.

Under the Married Child Priority Scheme (MCPS), up to 30% of the flat supply for first-timer families and up to 15% of that for second-timer families are set aside for those applying to live with or near* their parents/married child.

*For flat applications received from May 2018 sales launches, you will qualify for the MCPS if your parents live within 4km of the flat that you are applying for.

Third Child Priority Scheme 

The Third Child Priority Scheme provides additional support for larger families by setting aside up to 5% of the available flat supply for parents with at least 3 children.

Staggered Downpayment Scheme

The Staggered Downpayment Scheme is designed to help first-timer couples looking to buy a new flat manage their cash flow more easily. If at least one partner is aged 30 years or younger at the point of application, first-timer couples can opt to pay the 10% downpayment in 2 stages: the first 5% when they sign the Agreement for Lease, and the remaining 5% upon taking possession of their new flat.

Parenthood Provisional Housing Scheme

Parenthood Provisional Housing Scheme allows first-timer married couples to rent a flat from HDB at around half or less than half of market rental rates, while awaiting the completion of their new flats.

*New* Higher Income Ceilings

To provide more couples with access to affordable housing options, the monthly household income ceiling has been increased from $12,000 to $14,000 for eligible families to buy a new HDB flat, buy a resale flat with the CPF Housing Grant, and get an HDB loan for the purchase of a new or resale flat. The monthly household income ceiling for couples to buy an Executive Condominium (EC) has also been raised from $14,000 to $16,000.

Housing Grants

For New Flats

To help couples with the cost of buying their first home, first-timer couples buying a new HDB flat can apply for the Enhanced CPF Housing Grant (EHG) of up to $80,000 for any flat type and estate, if they have a combined income of $9,000 or less.

For Resale Flats

First-timer couples buying a resale HDB flat can apply for a CPF Housing Grant of $50,000 for 4-room or smaller resale flats, and $40,000 for 5-room or larger resale flats, if their combined income is $14,000 or less.

In addition, eligible families may receive a Proximity Housing Grant (PHG) of $20,000 when they buy a resale flat to live near (i.e. within 4km) their parents/ married child, or $30,000 when they buy a resale flat to live with their parents/ married child.

Similar to buyers of new flats, they can also apply for the EHG of up to $80,000 if they earn $9,000 or less.

For both new and resale flats, the EHG amount received depends on the average gross monthly household income for the 12 months prior to the flat application submission and on whether the flat can cover the youngest buyer/spouse to the age of 95. Families with lower household incomes will receive a larger grant amount, and families will receive a pro-rated amount if the remaining lease on the flat cannot cover the youngest buyer/ spouse to age 95.

Top-Up Grant

Singles who had previously purchased a 2-room Flexi flat from HDB or a resale flat, and obtained Singles grants, may apply for the Top-Up Grant and/or the EHG (Singles) if they subsequently marry a first-timer Singapore Citizen or Singapore Permanent Resident. They will receive a top-up of up to the full housing grant that they are now eligible for, as a family.

For more information, please visit HDB InfoWEB at www.hdb.gov.sg.

Last Updated : 17 Sep 2019