CPF Housing Grants for First-timers

There are 2 types of CPF Housing Grants​ available for first-timer applicants of HDB Flats:

• ​AHG - Additional CPF Housing Grant
• SHG - Special CPF Housing Grant

A first-timer applicant (including all other co-applicants and essential occupiers) refers to one whom have not received any housing subsidy from HDB previously. This means that the applicant must NOT have:

• Been an owner of a flat bought from HDB
• Sold a flat bought from HDB
• Bought an Executive Condominium (EC), Design, Build & Sell Scheme (DBSS) flat or an HDB resale flat with CPF Housing Grant, or taken over ownership of such a flat or EC
• Transferred the ownership of a flat bought from HDB, or an HDB resale flat bought with a CPF Housing Grant
• Taken other forms of housing subsidy, such as Selective En bloc Redevelopment Scheme benefits or HUDC estate privatization

The amount of AHG and/or SHG receivable will depend on the average gross monthly household income for the 12 months prior to you submitting your flat application. For eligible young couples, Deferred Income Assessment may be granted to allow their application for a flat first having their income assessed nearer to their key collection appointment.

​The disbursement of these grants will be via crediting into the CPF Ordinary Account of the eligible applicant.
No cash will be disbursed.

Eligible applicants can use these grants to either offset the purchase price of the flat or to reduce the mortgage loan taken up for the flat purchase.