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    CPF Housing Grant for Housing and Development Board Flats for Singles

    As Singapore’s housing authority, the Housing and Development Board (HDB) develops housing estates and builds towns to provide good living conditions for all. HDB offers various CPF housing grants and schemes that allow you to buy flats at a subsidised rate. You may be eligible for these schemes if:

    • You and your spouse have not received any subsidies before
    • Your spouse has received one subsidy before and you are a first timer
    • You want to live close to your family or your married child
    • You are 21 years old and married to a non-resident Singaporean

    Single Citizens of Singapore

    If you are a single citizen of Singapore, over 35 years of age and have not received any subsidies before, then you are eligible for the below CPF Housing Grants:

    • Singles Grant
    • Additional CPF Housing Grant (AHG) for Singles
    • Joint Singles Scheme or Orphans Scheme

    Grant for Singles

    Under the Singles Grant, you will receive assistance for the following schemes:

    • Single Singapore Citizen Scheme
    • Non-Citizen Family Scheme

    Grant amount:

    • For a 2-4 room resale flat - S$25,000
    • For a 5 room resale flat - S$20,000

    Eligibility:

    • Citizenship: You must be a citizen of Singapore.
    • Age limit: Minimum 35 years of age.
    • Household criteria:
      • You do not own an HDB flat, neither did you buy any Executive Condominium (EC) nor a DBSS (Design, Build and Sell Scheme) flat from any developer.
      • You did not sell a flat you bought from HDB.
      • You did not sell a DBSS or EC flat you bought from a developer.
      • You did not receive any housing grant from CPF before.
      • You did not receive any housing subsidy before.
    • Household income: Your monthly household income should not exceed:
      • S$6,000 to buy a resale flat under the Single Singapore Citizen Scheme.
      • S$12,000 to purchase a resale flat under other schemes.
    • Type of flat:
      • Under the Single Singapore Citizen Scheme, you are eligible for a 2-5 room flat.
      • Under other schemes, you are eligible for a 2-room flat or bigger.
    • The flat should have a remaining lease of minimum 30 years.
    • Ownership of property: You and your flat applicant cannot:
      • Possess an overseas or local private residential property, house, building or land or have sold any of these properties within 30 months from your application for a resale flat.
      • Buy any Selective En bloc Redevelopment Scheme announced HDB flat.
      • For more information on cancellation procedures, visit the Single Singapore Citizen Scheme on the HDB website.
    • Cancellation procedure: If you cancel the booking of your resale flat made on March 2012, you will be required to wait for one year before you apply to be a primary occupier for the flat with CPF Housing Grant. If you and your spouse are divorced, either of you are eligible to own any of the below mentioned housing units within three years of your divorce:
      • An HDB flat
      • An EC or a DBSS flat purchased from a developer
      • A resale flat obtained under the housing grant scheme from CPF
    • In case you own a matrimonial house which your ex-spouse has acquired, you can apply to get enlisted as a primary occupier three years from the date of your divorce. The three-year waiting period is not applicable if you buy the house with your legal guardians or your legal partner or if you purchase a resale flat without the housing grant from CPF.

    Documents required: To apply for the Singles grant, you and the essential occupiers need to submit the following documents:

    • Payslips for three months if you have a full-time employment.
    • Income documents for one year for other types of employment.
    • If you are not working, then proof of unemployment is required.

    Documents required for employed person:

    • Payslips for three months or a letter from your employer confirming salaries for latest three months. The letter should have the company stamp or letterhead and the attesting employer’s name, designation, and signature.

    Documents required for self-employed person:

    • Latest NOA from Inland Revenue Authority of Singapore or a certified Statement of Annual Accounts by an audit firm.
    • A legal Accounting and Corporate Regulatory Authority (ACRA) Computer Information or a legal licence of trade.

    Documents required for a part-time worker or a person with commission:

    • Payslips for 12 months or a letter from your employer confirming salaries for latest three months. The letter should contain the company stamp or letterhead and the attesting employer’s name, designation, and signature.

    Documents required for a person with an odd job:

    • Latest NOA from Inland Revenue Authority of Singapore
    • Last year’s NOA from Inland Revenue Authority of Singapore

    Documents required for a person for an unemployed person:

    • Statutory Declaration that confirms your employment status or if you are a full-time student, then you need to submit a valid Student Pass.
    • If you are unemployed for less than three months, submit an income proof document from your previous employer stating the monthly income and last day of service and CPF contribution history for 15 months.

    Additional CPF Housing Grant (AHG) for Singles

    Under the AHG for singles, you will receive assistance for the following schemes:

    • Single Singapore Citizen Scheme
    • Non-Citizen Family Scheme

    Grant amount: The additional housing grant amount from CPF is given according to the household income so that applicants with low-income bracket can get greater grant amount. The monthly household income and the AHG amount set is shown in a table below:

    Household income each month (12 months) (SG) AHG amount granted (SG)
    S$2,251-S$2,500 S$2,500
    S$2,001-S$2,250 S$5,000
    S$1,751-2,000 S$7,500
    S$1,501-S$1,750 S$10,000
    S$1,251-S$1,500 S$12,500
    S$1,001-S$1,250 15,000
    S$751-S$1,000 S$17,500
    Less than S$750 S$20,000

    Eligibility:

    • You should meet all the eligibility criteria to claim for the housing grant.
    • You should be employed for one year before you can apply for an HDB flat and continue to be employed on the date of the application.
    • The average income each month of a Singapore citizen for one year must not be more than S$2,500.

    Documents required for an employed individual:

    • Payslips for 12 months prior to flat application or a letter from your employer confirming salaries for latest three months. The letter should have the stamp of your company or letterhead and the attesting employer’s name, designation, and signature.
    • CPF Statement of Account for the present year and the previous year.
    • CPF statements stating your contributions for 12 months prior to flat application date.

    Documents required for a self-employed individual:

    • Latest NOA from Inland Revenue Authority of Singapore or a certified Annual Accounts Statement.
    • A legal ACRA Computer Information or a valid trade licence.

    Documents required for a part-time worker or a person with commission:

    • Payslips for 12 months or a letter from your employer confirming salaries for latest three months. The letter should have the stamp of your company or letterhead and the attesting employer’s name, designation, and signature
    • CPF Statement of Account for the present year and the previous year.
    • CPF statements stating your contributions for 12 months prior to flat application date.

    Documents required for a person with an odd job:

    • An up-to-date NOA from Inland Revenue Authority of Singapore
    • Last year’s NOA from Inland Revenue Authority of Singapore

    Documents required for a student (full-time) with stipends:

    • A notice letter from the institution stating the course duration and nature of study.
    • A copy of the signed agreement between you (the applicant) and the institute mentioning the eligibility criteria of the stipend.

    Joint Singles Scheme or Orphans Scheme

    If you are a 35 year old single applicant of Singapore, then you can qualify for the below HDB Housing Grants from CPF:

    • Singles Grant
    • AHG from CPF for Singles

    Singles Grant

    Under the Singles Grant, you will receive assistance for the following schemes:

    • Joint Singles Scheme
    • Orphans Scheme

    Grant amount:

    • For a single buyer:
      • For a 2-4 room resale flat - S$25,000
      • For a 5 room resale flat - S$20,000
    • For more than one buyer under the Joint Singles Scheme or Orphans Scheme:
      • For a 2-4 room resale flat - S$50,000 (25,000x2)
      • For a 5 room resale flat - S$40,000 (20,000x2)

    Eligibility:

    • Citizenship: You must be a citizen of Singapore.
    • Age limit: Minimum 35 years of age.
    • Household criteria:
      • At least one of the applicants purchasing a HDB resale flat should be a first timer to be eligible for a housing grant received by 1 October, 2017.
      • The other household eligibility factors are similar to that of the Single Singapore Citizen Scheme.
    • Income limit: Your monthly household income should not exceed SS$12,000.
    • Type of flat: Under this scheme, you are eligible for a 2-room flat or bigger.
    • The flat should have at least 30 years of lease remaining.
    • Ownership of property: You and your flat applicant must not:
      • Possess an overseas or local private residential property, house, building or land or have sold any of these properties within 30 months from your application for a resale flat.
      • Buy any Selective En bloc Redevelopment Scheme (SERS) announced HDB flat.
    • Cancellation procedure: The cancellation procedures are similar to that of the Single Singapore Citizen Scheme. For more information, visit the Joint Singles Scheme or Orphans Scheme on the HDB website.
    • Documents required: The documents you need to submit to apply for the Joint Singles Scheme or Orphans Scheme on the HDB website are similar to that of the Single Singapore Citizen Scheme. Please refer to the information mentioned above.

    Additional CPF Housing Grant

    Under the AHG for singles, you will receive assistance for the following schemes:

    • Applicants of the Singles Grant who are in the lower to middle-income bracket.
    • One of the joint applicants must be employed continuously for one year prior to the flat application.

    Grant amount: The additional housing grant amount from CPF is given according to the household income so that applicants with low-income bracket can get a greater grant amount. The monthly household income of two or more singles and the AHG amount set under the Joint Singles Scheme or Orphans Scheme is shown in a table below:

    Household income each month (12 months) (SG) AHG amount granted (SG)
    S$4,501-S$5,000 S$5,000
    S$4,001-S$4,500 S$10,000
    S$3,501-S$4,000 S$15,000
    S$3,001-S$3,500 S$20,000
    S$2,501-S$3,000 S$25,000
    S$2,251-S$2,500 S$30,000
    S$2,001-S$2,250 S$30,000
    S$1,751-S$2,000 S$35,000
    S$1,501-S$1,750 S$35,000
    Less than S$1,500 S$40,000

    Eligibility:

    • You should meet all the eligibility criteria to claim for the housing grant.
    • You should be employed for one year before you can apply for an HDB flat and continue to be employed on the date of the flat application.
    • The average income each month of a Singapore Citizen for one year must not be more than SS$5,000.

    Documents required: The documents that the applicants must submit to apply for additional CPF Housing Grant under the Joint Singles Scheme or Orphans Scheme are similar to that of the additional CPF Housing Grant under the Single Singapore Citizen Scheme. Please refer to the information mentioned above.

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