A Guide to The Enhanced CPF Housing Grant (EHG)

To make housing more affordable and accessible to Singaporeans, MND and HDB recently announced the Enhanced CPF Housing Grant (EHG), which replaces the Additional CPF Housing Grant (AHG) and Special CPF Housing Grant (SHG). Under the EHG, eligible first-time flat buyers enjoy up to $80,000 in housing grants.

What is EHG?

The EHG is a new housing grant for first-time flat buyers. It is applicable for new flat applications from the September 2019 sales exercise and resale flat applications submitted from 11 September 2019. Applications submitted before the date will not qualify for EHG.

How much EHG am I eligible for?

Eligible first-timer applicants for new flats can now enjoy an EHG of up to $80,000, while eligible first-timer singles can enjoy an EHG (Singles) of up to $40,000.
Similarly, eligible first-time applicants for resale flats can also enjoy an EHG of up to $80,000, in addition to the CPF Housing Grant (up to $50,000) and Proximity Housing Grant (up to $30,000). This means that first-time resale homebuyers can enjoy up to $160,000 in housing grants!

How does EHG work?

To qualify for EHG, the monthly household income for first-timer families should not exceed $9,000 (refer to Table 1 below). The buyer or his/her spouse must also be in continuous employment for the 12 months prior and remain working at the point of flat application.
Eligible first-timer singles must be aged 35 and above, with a monthly income of up to $4,500. The buyer must be in continuous employment for the 12 months before the flat application and remain working at the point of flat application.
Table 1: EHG Structure
*The EHG is applicable for those buying 2-room Flexi flats on 99-year leases in the non-mature estates, 2-room Flexi flats on short leases and resale flats (up to 5-room...