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.

Eligibility conditions



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.

Assistance for

  • Couples, families or orphaned siblings who are first-timer applicants buying an EC unit from a property developer
  • First-timer Singapore Citizen (SC) applicants and Singapore Permanent Resident (SPR) applicants or occupiers whose fiancé/ fiancée/ spouse/ sibling has previously taken any housing subsidy

Refer to the eligibility conditions for more information.


You must:

  • Be an SC
  • Include at least 1 other SC or SPR


At least 21 years old

Household status

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:

  • Acquired by gift;
  • Inherited as a beneficiary under a will or from the Intestate Succession Act; or
  • Owned, acquired, or disposed of through nominees.

Private residential property

All applicants and occupiers listed in the EC application:

  • Must not own or have an interest in any local or overseas private property; and
  • Must not have disposed of any private property in the last 30 months before the EC application.

Non-residential property

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[1]), Executive Condominium (EC) unit, privatised HUDC flat and mixed use development[2].

Non-residential property is a property under a non-residential land zoning and/ or the permitted use does not include housing.

[1] E.g. residential with commercial at 1st storey or commercial and residential
[2] E.g. properties with a residential component, such as HDB shop with living quarters.


First-timer households

Average gross monthly household income of all persons listed in the EC application i.e. applicants and occupiersCPF Housing Grant amount
SC/ SC householdSC/ SPR household
$10,000 or lower$30,000$20,000
$10,001 to $11,000$20,000$10,000
$11,001 to $12,000$10,000Nil
$12,001 to $16,000NilNil

First-timer and second-timer couples

Average gross monthly household income of all persons listed in the EC application i.e. applicants and occupiersCPF Housing Grant amount
SC/ SC household
$10,000 or lower$15,000
$10,001 to $11,000$10,000
$11,001 to $12,000$5,000
$12,001 to $16,000Nil

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:

  • Offset the purchase price of the EC unit
  • Reduce the housing loan required for the EC unit purchase

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
CitizenshipMr O is an SC and Mrs O is an SPR
Household statusFirst-timers
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.

Free Check On Your Eligibility
For Executive Condominium (EC)