Under the CPF Housing Grant Scheme, you may be eligible to receive a housing subsidy of up to $30,000 when you buy an Executive Condominium (EC) unit from a property developer.
Core family nucleus
A household’s eligibility for housing subsidies is assessed based on the core family nucleus, which is formed by the applicant(s) and occupier(s), who enable the household to meet the eligibility conditions for the EC unit purchase. They must remain in the EC application, as well as during the minimum occupation period (MOP) after the EC unit purchase.
Refer to the eligibility conditions for more information.
At least 21 years old
At least 1 core applicant or core occupier is a first-timer to receive the housing grant. First-timer core applicants and/ or occupiers must not have taken any housing subsidy before.
Ownership/ Interest in property in Singapore or overseas other than HDB flat
Interest or ownership in a property
You have acquired a property through purchase or when it is:
Private residential property
All applicants and occupiers listed in the EC application:
All persons listed in the EC application can, as a household, own up to 1 non-residential property at EC application and up to 30 months before EC application.
A private residential property includes but is not limited to a house, building or land that is under a residential land zoning (including land with multiple land zoning), Executive Condominium (EC) unit, privatised HUDC flat and mixed use development.
Non-residential property is a property under a non-residential land zoning and/ or the permitted use does not include housing.
 E.g. residential with commercial at 1st storey or commercial and residential
First-timer and second-timer couples
Citizen Top-Up (for SC/ SPR households)
You may apply for the Citizen Top-Up of $10,000 when a qualifying member of your SC/ SPR household obtains Singapore citizenship. You must submit your application to HDB within 6 months of being eligible for it.
Usage and distribution of housing grant
The CPF Housing Grant can be used to:
If your household is eligible for the CPF Housing Grant, all members of the core family nucleus will receive equal shares of the grant. It will be fully credited into the CPF Ordinary Accounts of SCs and SPRs.
Note: Only core applicants can use their housing grants to pay for the EC unit purchase.
Mr and Mrs O have booked an EC unit.
|Details of Mr and Mrs O|
|Citizenship||Mr O is an SC and Mrs O is an SPR|
|Average household monthly income||$10,500|
|Details of CPF Housing Grant|
|CPF Housing Grant amount||$10,000|
|Disbursement to CPF Ordinary Account|
Mr and Mrs O will each receive a CPF housing grant of $5,000.
Subsequently, if Mrs O obtains Singapore citizenship or the couple has an SC child, they may apply for the $10,000 Citizen Top-Up.