Buying a home in Singapore is a big step—but you don’t have to do it alone. The government offers several housing grants to help make homeownership more affordable. If you’re a first-time buyer or buying with family, you may qualify for tens of thousands in CPF grants. This 2025 guide breaks down what housing grants are available, who qualifies, and how to apply.

1. What Are Housing Grants?

Housing grants are financial subsidies from the government that are:

• Credited to your CPF Ordinary Account (OA)

• Used to offset your housing loan or reduce your down payment

• Only applicable for eligible Singapore Citizens and PRs

They’re available for BTO, resale HDB, and EC purchases.

2. Types of Housing Grants Available in 2025

🟢 Enhanced CPF Housing Grant (EHG)

• For: First-time buyers of BTO or resale HDB

• Amount: Up to $80,000

• Based on combined household income

• Must be employed continuously for 12 months

🔵 Family Grant

• For: First-time applicants buying resale HDB or new EC

• Amount: Up to $50,000 (HDB) / $30,000 (EC)

• Based on citizenship and household composition

🟠 Proximity Housing Grant (PHG)

• For: Buying a resale flat near or with parents

• Amount: $10,000–$30,000

• Encourages multi-generation living

✅ All grants are credited into your CPF OA, not given in cash.

3. Eligibility Criteria for EHG

💡 Note: The shorter the lease or higher the income, the lower the EHG amount.

4. Eligibility Criteria for Family Grant

📌 Buying ECs like Tampines Street 95 EC? You may qualify for the Family Grant if you meet the income cap.
👉 Explore the project here

5. Proximity Housing Grant (PHG) Explained

✅ Only applies to resale HDB flats
✅ No income ceiling
✅ Available even to second-timers

6. How Are Grants Disbursed?

• Credited directly into your CPF OA

• Used to reduce loan amount, not handed to you in cash

• Reflected in Option to Purchase (OTP) or Sales Agreement

Example:
If you buy a resale HDB at $500,000 and receive $80,000 in grants, your loan is calculated based on $420,000.

7. What If You Sell the Flat Later?

• Upon sale, the grants must be returned to CPF (with accrued interest)

• You can reuse the amount for another property purchase

• Still counts as subsidy received, so second home will attract resale levy

8. Can Singles Qualify for Grants?

Yes!

• Singles Grant: Up to $25,000 (resale)

• Enhanced Housing Grant: Up to $40,000 (based on income)

• Must be 35 years old and SC

Single buyers can use grants for 2-room Flexi BTOs or resale flats.

9. How to Apply for Housing Grants

1. Apply for HFE Letter via HDB

2. Indicate grant applications in your flat application or resale portal

3. Submit supporting documents (income, CPF, marriage certs, etc.)

4. HDB/CPF will process and disburse accordingly

💡 Always apply before exercising your Option to Purchase.

10. Common Mistakes to Avoid

❌ Assuming you're not eligible without checking
❌ Forgetting continuous employment requirement for EHG
❌ Not accounting for resale levy if buying second subsidised flat
❌ Not submitting full documents—causing delays or rejection
❌ Confusing grant disbursement with actual loan reduction

Conclusion:

Housing grants are a lifeline for many Singaporean homebuyers. Whether you’re buying your first BTO, upgrading to a resale, or looking at an EC, knowing which grants you qualify for can save you thousands. In 2025, as prices continue to rise, every dollar saved through CPF grants counts—so plan ahead, stay eligible, and apply early.

Important Link

Tampines Street 95 EC Site Plan

Tampines Street 95 EC Location

Tampines Street 95 EC Site Plan

Tampines Street 95 EC Floor Plans

Tampines Street 95 EC

Tampines Street 95 EC

Tampines Street 95 EC Developer

Tampines Street 95 EC Project Details

Tampines Street 95 EC Location

Tampines Street 95 EC Site Plan