The CPF Housing Grants for Executive Condominium (EC) is a subsidy by the government for first-timer applicants to buy an EC .
Two types of CPF Housing Grants are available for Executive Condominium (EC) purchases from developers - Family Grant and Half-Housing Grant. You and any co-applicants must be eligible for the grant at the point of booking the EC.
*Information is accurate as the point of writing.
CPF Housing Grants Amount
|Average gross monthly household income*||Family Grant||Half-Housing Grant#|
|Singapore Citizen (SC/ SC) Household||SC/ Singapore Permanent Resident (SC/ SPR) Household|
|$10,000 or lower||$30,000||$20,000||$15,000|
|$10,001 to $11,000||$20,000||$10,000||$10,000|
|$11,001 to $12,000||$10,000||Nil||$5,000|
|$12,001 to $14,000||Nil||Nil||Nil|
* Average gross monthly household income of all persons in application, i.e. applicants and occupiers
# Half Housing Grant: If you are a first-timer citizen and your co-applicant has previously taken 1 housing subsidy
|Citizenship||You are a Singapore Citizen. Your family nucleus must comprise at least another Singapore Permanent Resident or Singapore Citizen.|
|Age||21 years old and above|
You are applying with your:
You and the essential family members listed in the application for purchase of the flat must not:
Citizen Top-Up (for SC/ SPR households)
You can apply for the Citizen Top-Up of $10,000 when a qualifying member of your SC/ SPR household obtains Singapore citizenship. You need to submit your application to HDB within 6 months of being eligible for it.
How to Apply
You can apply for the CPF Housing Grant when booking your EC with the developer.
Disbursement and Usage
CPF Housing Grants are fully credited into the CPF Ordinary Accounts of eligible Singapore Citizen (SC) applicants. No cash is disbursed.
|Type of Applicants||Distribution of Grant|
|Sole SC applicant||Full grant|
|Joint SC applicants (husband and wife)||Half of the full grant each|
|FT/ST couple||Full grant given to the SC FT, who must be a co-applicant|
|Multi-nuclei SC applicants, such as:|
- Married siblings with their respective spouses;
- Parents and married child
|Grant given only to a maximum of 2 applicants who are husband and wife|
The CPF Housing Grants can be used to:
- Offset the balance downpayment for the EC and subsequent payments towards the purchase price
- Reduce the mortgage loan for the EC
The grant cannot be used for the minimum cash downpayment (if any) and monthly mortgage instalment payments.
The grant will also be included in the computation of the CPF withdrawal limit.