Half-Housing Grant: Navigating CPF Housing Grants Available, Family Grant, Public Housing, HDB Flats, Resale flats,  HDB Grants,  Executive Condominium and Resale HDB Development Board Opportunities in Singapore 2022 – 2023

by | Oct 17, 2023

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Introduction to Half-Housing Grant in Singapore

Introduction to half housing grant in Singapore

The Half-Housing Grant is a housing grant scheme in Singapore introduced by the Housing and Development Board (HDB).

It aims to make public housing more affordable for eligible Singapore citizens.

By providing financial assistance, the grant helps ease the financial burden of purchasing a home in an expensive housing market.

What is the Half-Housing Grant in Singapore?

The Half-Housing Grant is a government initiative designed to support Singapore citizens in their housing aspirations.

It is specifically targeted at first-time homebuyers who wish to purchase a new HDB flat or an executive condominium.

The grant provides financial assistance of up to 50% of the purchase price, subject to a maximum limit.

To be eligible for the Half-Housing Grant, individuals must meet certain criteria.

These include having a monthly household income within a specified range, being a Singapore citizen, and applying for an eligible public housing unit.

The grant is not applicable for the purchase of resale HDB introduced.

Eligibility Criteria for the Half-Housing Grant

To qualify for the Half-Housing Grant, individuals must fulfill several criteria.

These include being a first-time applicant, having a monthly household income that falls within the specified limits, and meeting certain citizenship requirements.

The grant is available for both new HDB flats and executive condominiums.

It is important to note that the eligibility requirements for the Half-Housing Grant may differ according to factors such as the purchase price, the type of housing, and the timing of the application.

Therefore, it is advisable to consult the official HDB website or contact the HDB directly for the most accurate and up-to-date information.

Key Features of Half-Housing Grant in Singapore

The Half-Housing Grant offers several key features that make it an attractive option for eligible Singapore citizens.

These features include financial assistance of up to 50% of the purchase price, eligibility for both new HDB flats and executive condominiums, and income criteria that cater to a wide range of incomes.

Additionally, the grant aims to provide support to Singaporeans who aspire to own a home by making public housing more affordable through housing subsidies.

It is important for prospective homebuyers to acquaint themselves with the specific details, criteria, and guidelines of the Half-Housing Grant to fully understand their eligibility and potential benefits.

In summary, the Half-Housing Grant in Singapore serves as a valuable tool to help eligible citizens achieve their dreams of homeownership.

By providing financial assistance and making public housing more affordable, the grant plays a crucial role in the development and accessibility of the housing market in Singapore.

Key Takeaways

  1. Introduction to Half-Housing Grant
    • Aims to make public housing affordable for eligible citizens.
    • Introduced by the Housing and Development Board (HDB).
  2. What is the Half-Housing Grant?
    • Provides up to 50% financial assistance for new HDB flat purchases.
    • Targeted at first-time homebuyers.
  3. Eligibility Criteria
    • Monthly household income within a specified range.
    • Singapore citizenship required.
    • Applicable to the purchase of new HDB flats.
  4. Key Features
    • Offers up to 50% financial aid.
    • Applicable to both new HDB flats and executive condominiums.
  5. CPF Housing Family Grant
    • Government initiative to aid families in home purchases.
    • Eligibility based on income and location.
  6. Proximity Housing Grant
    • Benefits citizens living near parents or married children.
    • Criteria include location and status.
  7. Enhanced CPF Housing Grant (EHG)
    • Offsets HDB flat purchase prices based on income.
    • Enhanced features for increased accessibility.
  8. Half-Housing Grant Application Process
    • Involves online submission and document verification.
    • Monitoring through the My HDBPage.
  9. HDB Flat Singles Grant
    • Various grants available for singles.
    • Includes CPF Housing Grant, Resale Levy, and Additional CPF Housing Grant.
  10. Guide to HDB Grants Optimization
    • Tips for maximizing grant benefits.
    • Consider flat size, understand grant details, assess monthly income, and explore the resale market.
  11. Conclusion
    • Housing grants significantly reduce financial burdens, making homeownership more accessible in Singapore.

CPF Housing Family Grant

CPF Housing Grant for Family

Eligibility Requirements and Application Process

The CPF Housing Family Grant is a government initiative in Singapore designed to help families purchase their first homes.

To be eligible for this grant, there are certain requirements and steps involved in the application process.

CPF Housing Grant Eligibility

To qualify for the CPF Housing Family Grant, applicants must meet the following criteria:

  1. The grant is available for first-time applicants who are purchasing a resale flat.
  2. The flat must be located within 4 kilometers of the applicant’s parents or married child, or within the same town or estate.
  3. The combined income ceiling of the applicants must not exceed a certain limit, depending on the flat’s location and whether it is under the Singles Grant or Non-Citizen Spouse Scheme.
  4. The applicants must be either a Singapore citizen or a Singapore Permanent Resident who is applying jointly with a Singapore citizen spouse or family member.

Application Process

To apply for the CPF Housing Family Grant, follow these steps:

  1. Submit an application through the CPF Housing Grant Online Application system, which can be accessed through the HDB website.
  2. Ensure that all required documents, such as income documents and identification, are submitted accurately.
  3. Keep track of the status of your application through the My HDBPage portal.
  4. If approved, the grant funds will be disbursed and reflected in your CPF Ordinary Account or used to offset the purchase price of the flat.

Grant Amount and How It Can Be Used

The amount of the CPF Housing Family Grant depends on several factors, such as the applicant’s income and the flat type.

Here are some key points to consider:

  1. The grant ranges from $30,000 to $50,000 for Singapore citizens, depending on the flat type and location.
  2. The grant money can be used to pay the down payment, monthly mortgage installments, and other related costs.
  3. The grant funds will be returned to your CPF account if you decide to sell your flat.
  4. The CPF Top-Up Grant is an additional grant available for those who have bought an HDB flat under the Non-Residential Property Scheme or are living in an estate that will be privatized.

In conclusion, the CPF Housing Family Grant provides significant financial assistance to eligible families in Singapore.

By knowing the eligibility requirements and application process, as well as understanding the grant amount and its usage, potential homeowners can make informed decisions and take advantage of this valuable government initiative.

Proximity Housing Grant

Proximity Housing Grant

Benefits and Eligibility Criteria

The Proximity Housing Grant (PHG) is a scheme in Singapore that provides benefits to Singapore citizens who live with or near their parents or married child.

The grant helps to offset the purchase price of a resale Housing and Development Board (HDB) flat.

To be eligible for the PHG, you must meet certain criteria.

Firstly, you must be a Singapore citizen and applying with other Singapore citizens or a non-citizen spouse under the Non-Citizen Spouse Scheme.

Secondly, you or your spouse must be a first-timer, meaning you have not received any housing grants before.

Finally, you must meet the citizenship status criteria, either as a Singapore citizen or a Singapore permanent resident applying with at least one citizen family member.

For applicants who are adult children, there are additional eligibility criteria.

You must be a Singapore citizen living with your parents or married child in a flat within 4 kilometers.

If you are buying a resale flat, you must not have previously received a PHG or benefited from the Non-Citizen Spouse Scheme.

The PHG also prioritizes certain groups.

Eligible first-time buyers under the Married Child Priority Scheme or the Multi-Generation Priority Scheme will receive an enhanced grant amount.

For those who have previously owned a HDB flat, a resale levy may be applicable.

Procedures to Apply for the Grant

To apply for the PHG, you can visit the My HDBPage on the official Housing and Development Board website.

The application process is straightforward and can be completed online.

You will need your SingPass to log in and access the application form.

Once you have submitted the application, the outcome will be available within 6 weeks.

If you are planning to buy a resale HDB flat, it is recommended to apply for the grant first before engaging in the resale procedures.

This will help ensure that you are eligible for the grant before committing to a purchase.

In conclusion, the Proximity Housing Grant provides benefits to eligible Singapore citizens who live with or near their parents or married child.

By understanding the eligibility criteria and following the application procedures, you can take advantage of this grant to make homeownership more affordable and accessible.

Enhanced CPF Housing Grant (EHG)

Enhanced CPF Housing Grant EHG

The Step-Up CPF Housing Grant was introduced by the Housing and Development Board (HDB) to provide financial assistance to first-time homebuyers who are looking to apply for an HDB flat.

This grant is aimed at supporting individuals and families with limited financial means and helps to bridge the gap between their savings and the cost of purchasing a flat.

If you meet the eligibility criteria, which includes being a first-time applicant and having a household income within the specified limits, you may be eligible for this grant.

The application process is simple and can be done online.

Once you submit your application, the HDB will review it and if approved, they will be in touch to guide you through the next steps.

It is important to note that this grant is just one of the many assistance schemes available to help individuals and families with their home purchasing journey.

From additional grants to help with down payments, to grants to pay for renovations, the HDB offers a range of support measures to ensure that everyone has access to affordable housing.

So if you are considering buying a flat, it is worthwhile exploring the grants and assistance schemes available to you.

When it comes to purchasing a property, taking added precautions is essential.

This is especially important if you are considering buying a property for the youngest member of your family.

Protecting their future is of utmost importance, and ensuring that their housing needs are met is a significant aspect of this responsibility.

It is crucial to cover the youngest buyer, ensuring that you have a comprehensive understanding of the financial aspects involved.

This includes being aware of the need to pay a resale levy if you are purchasing a second subsidised flat, and the potential use of your CPF savings to facilitate the purchase.

Understanding these mechanisms and their implications is crucial in making informed decisions.

By doing so, you can navigate the buying process with confidence, knowing exactly how much you can get and what steps you need to take.

Taking these matters seriously will not only provide a secure housing solution for your youngest family member but also ensure that their welfare is safeguarded for the long term.

Applying for the Citizen Top-up is a decision that should not be taken lightly, especially when it comes to home buyers, particularly those looking for resale flats near their parents.

This scheme aims to provide financial assistance to individuals purchasing a resale flat near their parents, with the goal of fostering closer family ties and support.

The process of applying for the Citizen Top-up can be quite extensive and requires careful consideration.

Home buyers must first assess their eligibility for the scheme, ensuring they meet the necessary criteria and requirements.

This includes being a Singapore citizen and fulfilling the conditions set by the Housing and Development Board (HDB).

Additionally, potential buyers must also have a solid financial standing to make the necessary down payment and prepare for mortgage repayments.

Furthermore, it is essential to thoroughly research and evaluate the resale flat market, determining the best location and flat type to suit the preferences and needs of both the home buyer and their parents.

By carefully navigating the application process and seeking guidance when needed, prospective home buyers can make informed choices and benefit from this initiative.

Enhanced Features of EHG and Qualifying Conditions

The Enhanced CPF Housing Grant (EHG) is a housing grant offered by the Housing Development Board (HDB) in Singapore.

It is designed to offset the purchase price of your HDB flat and provide financial assistance to eligible homebuyers.

The grant has been enhanced to better support Singaporeans in their home ownership journey.

To qualify for the Enhanced CPF Housing Grant, you must meet certain conditions.

Firstly, you must be a first-timer applicant and have never received any housing subsidy before.

Secondly, your average monthly household income must fall within the income brackets specified by the HDB.

The grant amount varies depending on your income bracket, with higher grants given to those with lower incomes.

Apart from the income requirement, there are other eligibility requirements for the EHG.

You must be a Singaporean citizen and at least 21 years old.

You should also have a valid marriage or family nucleus.

Additionally, there is no age requirement for applying for the grant.

It’s important to note that the grant money can only be used for the purchase of new or resale flat buyers.

The exact details and cost of renovation covered by the grant will depend on your eligibility and circumstances.

Comparison with Other Grants and How to Apply

In comparison to other housing grants available in Singapore, the Enhanced CPF Housing Grant provides a higher grant amount and wider eligibility scheme.

It aims to assist more first-timer applicants in their home ownership aspirations.

To may apply for the EHG, you can submit an application through the HDB website or visit any HDB branch.

The application process is simple, and you will need to provide necessary documents such as proof of citizenship, income documents, and details of the flat you’re buying.

If you are already a grant recipient and your citizenship changes or you have adult children who meet the eligibility criteria, you may be eligible for the Top-Up Grant.

This grant increases the amount of subsidy you receive from the EHG.

Overall, the Enhanced CPF Housing Grant offers substantial financial support for eligible individuals and families looking to purchase their first HDB flat in Singapore.

It is a valuable resource in making housing more affordable and accessible.

Half-Housing Grant

Half Housing Grant

Are you looking to buy a new home in Singapore? The cost of housing can be a significant barrier, but thankfully, the government offers various housing grants to assist eligible individuals and families.

One of these grants is the Half-Housing Grant.

Understanding the Concept of Half-Housing Grant

The Half-Housing Grant is a financial assistance program provided by the Singapore government to help individuals and families purchase their first home.

It is available for both new Housing and Development Board (HDB) flats and resale HDB flats.

To be eligible for the Half-Housing Grant, there are a few criteria that you need to meet.

Firstly, your average gross monthly income must fall within a certain range, which varies depending on the type of flat application.

Secondly, you must be a Singapore citizen, and if applying with a co-applicant, they must also be a citizen or a Singapore Permanent Resident (SPR).

Lastly, you must not have received any housing subsidy in the past.

Eligibility Criteria and Application Process

To apply for the Half-Housing Grant, you need to meet the eligibility requirements set by the HDB.

These requirements include your monthly household income, citizenship status, and the type of property you are buying.

If you are a first-timer applying for a new HDB flat, you may be eligible for up to $10,000 in Half-Housing Grant.

For resale flats, the grant amount can be up to $20,000 for first-timers.

If you are a second-timer, the grant amount will be lower.

To apply for the grant, you will need to complete the application form provided by the HDB and submit it along with the necessary supporting documents.

The application process can be done online or in-person.

It is important to ensure that you meet all the eligibility criteria and provide accurate information to avoid any delays in the process.

Overall, the Half-Housing Grant is a valuable financial assistance program for individuals and families looking to purchase their first home in Singapore.

It can help alleviate some of the financial burden associated with buying a property, making homeownership more accessible for many.

HDB Flat Singles Grant

HDB Grants for Singles

Grant Options for Singles Purchasing HDB Flats

If you are a single individual in Singapore looking to purchase an HDB flat, you may be eligible for various grants to offset the cost.

These grants are designed to make housing more affordable for singles and help them fulfill their dream of owning a home.

Let’s explore some of the grants available and the criteria for eligibility.


CPF Housing Grant

The CPF Housing Grant for Singles is one of the main grants available.

It provides financial assistance to first-time singles buying an HDB flat.

The amount of the grant depends on your income and the type of flat you are purchasing.

It can range from $25,000 to $40,000, making a significant difference in the overall cost of the flat.

Resale Levy

If you are a second-time flat buyer and previously enjoyed a housing subsidy, you will be required to pay a resale levy.

The amount of the resale levy depends on the type of flat you purchased previously and its location.

The resale levy is meant to ensure a fair distribution of subsidies and prevent individuals from profiting excessively from the sale of their subsidized flat.

Additional CPF Housing Grant

For singles with lower incomes, there is also the Additional CPF Housing Grant (AHG).

This grant aims to help lower-income singles afford a home.

The AHG ranges from $5,000 to $40,000, depending on your income and the type of flat you are purchasing.

It is important to note that the grants mentioned above are subject to certain eligibility criteria.

First-time singles looking to purchase an HDB flat must be Singapore citizens above the age of 35.

Additionally, their income should not exceed a certain threshold, and they should not have previously received housing subsidies.

By taking advantage of these grants, eligible singles can significantly reduce the financial burden of purchasing an HDB flat and make their dream of owning a home a reality.

If you are considering buying an HDB flat as a single individual, be sure to explore the grants available and determine which ones you may be eligible for.

Guide to HDB Grants | HDB Resale Flat 2023

Tips and Strategies to Optimize Housing Grants

Are you considering purchasing a new flat in Singapore? Understanding the various housing grants available can significantly help you in optimizing your budget and making your dream home more affordable.


Here are some tips and strategies to make the best use of HDB grants.

  1. Know the available grants: The Central Provident Fund (CPF) grants are available for first-time flat buyers. These grants include the Enhanced Central Provident Fund (CPF) Housing Grant and the Additional CPF Housing Grant. Familiarize yourself with these grants and understand the eligibility criteria for each.
  2. Consider the size of your first HDB: The type and size of your first HDB flat can determine the amount of grant you’re eligible for. For example, if you opt for a 5-room flat, you may be eligible for higher grants compared to smaller flats.
  3. Understand the details: Take the time to carefully review the requirements and conditions for each grant. This will enable you to plan your finances and determine how much grant you can reasonably expect to receive.
  4. Consider your monthly income: Your monthly income plays a role in determining your eligibility for CPF grants. Be aware of the income limits set for each grant and make sure you meet the requirements.
  5. Consider the purchase price: The purchase price of your flat also impacts your eligibility for grants. Keep in mind the price thresholds set for each grant and ensure your chosen property falls within these limits.
  6. Explore the resale market: If you are considering purchasing a resale flat, there are additional subsidies and grants available. Familiarize yourself with the eligibility criteria for these grants, such as the Proximity Housing Grant.

Optimizing HDB grants can make a significant difference in your budget when purchasing your dream home.

By understanding the available grants, meeting the eligibility criteria, and carefully planning your finances, you can make the most of the housing grants available to you.

Remember to regularly check for updates and changes in the grant schemes to ensure you are aware of the latest information.

With the right knowledge and strategies, you can maximize your eligibility for housing grants and make your home ownership journey more affordable and enjoyable.


Summary of the Half-Housing Grant benefits

The Half-Housing Grant in Singapore has been introduced by the Housing Development Board (HDB) to provide financial assistance to eligible individuals and families in their journey to owning a new flat.

Here’s a summary of the key benefits:

  1. Eligibility based on income: To qualify for the Half-Housing Grant, your gross monthly household income must not exceed a certain limit. The grant amount varies based on income tiers.
  2. Assistance for first-time buyers: The grant is specifically targeted towards first-time buyers who are buying a new 4-room flat or smaller. It aims to lighten the financial burden of purchasing a home.
  3. Credited into your CPF: If you’re eligible for the grant, it will be credited into your Central Provident Fund (CPF) account. This can be a significant help in covering the down payment or mortgage installments.
  4. Secure application process: It is important to apply for the grant through official and secure websites provided by the HDB. Always be cautious and share sensitive information only on official platforms.

Final thoughts on leveraging the grant for housing affordability

The Half-Housing Grant introduced by HDB is a valuable resource for individuals and families seeking affordable housing options in Singapore.

Leveraging this grant can help reduce the financial strain of buying a new flat, especially for first-time buyers.

It is crucial to understand the eligibility criteria and submit a complete and accurate application.

Ensure that you provide all necessary documents to support your application.

Remember to plan your budget accordingly and be aware of any additional costs, such as renovation expenses or service charges.

While the Half-Housing Grant can provide significant financial support, it may not cover all expenses, so it’s essential to prepare for these additional costs.

Overall, the Half-Housing Grant is an excellent initiative by the HDB to make homeownership more accessible and affordable for Singaporeans.

If you meet the eligibility criteria, take advantage of this grant to secure your dream home and build a strong foundation for your future.

Frequently Asked Questions

What is the half-housing grant in Singapore?

The half-housing grant in Singapore is a government initiative aimed at helping eligible Singaporean households afford the purchase of their first HDB flat. It provides a grant amount of up to half of the family grant. 

When will the half-housing grant be available?

The half-housing grant is currently available and can be applied for when buying a new HDB flat. 

What is a BTO?

BTO stands for Build-To-Order. It refers to HDB flats that are built specifically in response to the number of applications received. These flats are usually offered at a subsidized price and are available for booking through regular BTO exercises. 

What is HDB | Development Board?

HDB stands for Housing Development Board. It is a statutory board under the Ministry of National Development in Singapore and is responsible for public housing in the country. 

How much is the grant amount for the half-housing grant | Maximum Grant?

The grant amount for the half-housing grant is up to half of the family grant, which is based on the household income and the flat type. 

Can I use the half-housing grant for the purchase of a resale HDB Housing flat?

No, the half-housing grant can only be used for the purchase of a new HDB flat. 

What is an executive condominium?

An executive condominium, or EC, is a type of housing in Singapore that is built and sold by private developers, but subject to certain eligibility conditions set by the government. It offers more affordable options for families who aspire to own a private residential property. 

Can I use the half-housing grant for the purchase of an EC?

No, the half-housing grant can only be used for the purchase of a new HDB flat. 

What is a resale HDB flat?

 A resale HDB flat refers to an HDB flat that is being sold by its current owner, rather than directly from HDB.

Can I use the half-housing grant for the purchase of a resale HDB flat?

No, the half-housing grant can only be used for the purchase of a new HDB flat. 

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