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Get the most out of your CPF housing grants! Part 1: BTO Flats

It wasn't easy to make applying for the CPF Housing Grant as simple as possible, but if you follow this guide, you'll hopefully be able to figure out how much you can get to subsidise your next home.

Eligibility for all CPF Housing Grants
Generally, you have to be a first-time applicant and buying a flat with a remaining lease of more than 30 years to qualify for any grant.

You also have to be currently employed and have been in continuous employment for 12 months before the flat application (since your household income is determined by the average monthly income over this period).

You must also not have owned or sold a flat bought from HDB, or a DBSS or Executive Condominium from the developers. Neither must you have received the CPF Housing Grant for the purchase of a HDB resale flat, or taken any other form of housing subsidy.

Buying a new BTO flat from HDB
For BTO flats, you do not get any CPF Housing Grants even if your household's monthly salary is below the income ceiling. This is because HDB has already included the subsidy in the BTO price. If your household income is $6,500 or less, you can get up to $60,000 from the Additional CPF Housing Grant and Special CPF Housing Grant to help with your BTO flat purchase.



The amount you get depends on your household income. (Note: the Special CPF Housing Grant is only available for 2-room, 3-room and 4-room flat applications in non-mature estates)

If you are apply as a single person, and your income is $3,250 or less, you can get up to $30,000 from the Additional CPF Housing Grant and Special CPF Housing Grant to help with your BTO flat purchase. The amount you get depends on your income. If you apply under the Joint Singles Scheme, you may be eligible for double that amount, depending on your combined incomes.

For the Single Singapore Citizen and Non-Citizen Spouse schemes and First-Timer/Second-Timer couples:

For the Joint Single Scheme or Orphan Scheme:

How to get the most CPF Housing Grant: Have a monthly household income of $1,500 or less and all applicants must be Singapore Citizens.
Maximum possible CPF Housing Grant: $60,000 (Additional CPF Housing Grant and Special CPF Housing Grant)

Story first posted on AsiaOne.com

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