Answer
HDB Resale Grant for Singles in Singapore
Up to $40,000 in grants for singles aged 35+ buying a resale flat.
Answer: Singapore Citizens aged 35 and above buying a resale HDB flat can get the Enhanced CPF Housing Grant (Singles) of up to $40,000, depending on income. Income ceiling is $7,000/month. Singles can also get the Proximity Housing Grant of $15,000 if buying near parents/children. Under the Joint Singles Scheme, two singles aged 35+ can buy together and each qualify for grants individually. No flat-size restriction for resale — singles can buy anything from 2-room Flexi to executive.
Grants Available for Singles
| Grant | Amount | Key Requirement |
|---|---|---|
| Enhanced CPF Housing Grant (Singles) | Up to $40,000 | Income ≤ $7,000/mo, SC, age 35+ |
| Proximity Housing Grant (Singles) | $15,000 | Buy within 4km of parents/child |
Singles get half the grant amounts that couples receive. EHG couples get up to $80K; singles get up to $40K. PHG couples get $30K; singles get $15K.
EHG (Singles) by Monthly Income
The Enhanced CPF Housing Grant for singles is tiered by income. Lower income = higher grant. The grant is credited to your CPF OA.
| Monthly Income | EHG (Singles) Amount |
|---|---|
| ≤ $1,500 | $40,000 |
| $1,501 - $2,000 | $35,000 |
| $2,001 - $2,500 | $30,000 |
| $2,501 - $3,000 | $25,000 |
| $3,001 - $3,500 | $20,000 |
| $3,501 - $4,000 | $15,000 |
| $4,001 - $4,500 | $10,000 |
| $4,501 - $7,000 | $5,000 |
| > $7,000 | Not eligible |
Income is assessed as gross monthly income averaged over 12 months. Self-employed: net trade income / 12.
Eligibility Requirements
Singles Scheme (Buying Alone)
- 1. Singapore Citizen, aged 35+
- 2. Income ≤ $7,000/month (for grant eligibility)
- 3. Must not own or have disposed of any private property in the past 30 months
- 4. Must not have previously received 2 housing subsidies
- 5. Can buy any resale flat type (2-room Flexi to executive)
Joint Singles Scheme (Buying With Another Single)
- 1. Both must be Singapore Citizens, aged 35+
- 2. Combined income ≤ $7,000/month (for grant eligibility)
- 3. Can buy any resale flat type
- 4. Both become co-owners — both names on the lease
Example: Single Buyer, $4,500/month Income
Buying a $450,000 4-room resale flat near parents
| Item | Amount |
|---|---|
| Purchase price | $450,000 |
| Less: EHG (Singles) | -$5,000 |
| Less: PHG (Singles) | -$15,000 |
| Net price after grants | $430,000 |
| Bank loan (75% LTV of $450,000) | $337,500 |
| Down payment needed | $92,500 |
Grants are credited to CPF OA and applied toward the purchase. If using HDB loan (80% LTV), down payment is even lower. Stamp duty ($9,600) and legal fees (~$2,000) still payable separately.
Check Your Affordability
See how much HDB resale flat you can afford as a single buyer, including grant eligibility and monthly payment estimates.
Affordability CalculatorFAQ
What's the maximum HDB grant for singles buying resale?
Singles aged 35+ buying a resale flat can get up to $40K in Enhanced CPF Housing Grant (Singles). The exact amount depends on your income — lower income means a higher grant. The income ceiling is $7K/month.
Can two singles buy an HDB resale flat together?
Yes, under the Joint Singles Scheme. Two Singapore Citizens aged 35+ can jointly buy a resale flat of any type. Each applicant can individually qualify for grants, but the combined household income ceiling of $7K applies for the EHG (Singles).
Can singles buy a 4-room or 5-room resale flat?
Yes. Under the Singles Scheme, singles aged 35+ can buy any resale flat type (2-room Flexi to 5-room and executive). For BTO, singles are limited to 2-room Flexi in non-mature estates.
Is there an income ceiling for singles buying resale HDB?
No income ceiling to buy a resale flat itself — anyone can buy. But to qualify for grants (EHG Singles), your income must not exceed $7K/month. Above $7K income, you can still buy resale, just without the grant.
What's the difference between Singles Scheme and Joint Singles Scheme?
Singles Scheme: one SC aged 35+ buys alone. Joint Singles Scheme: two SCs aged 35+ buy together as co-owners. Both can buy resale flats of any type. The Joint Singles Scheme allows splitting costs and pooling CPF, making larger flats more affordable.
Related
Last updated Feb 2026. Grant amounts and income ceilings based on HDB policy as of 2026. Amounts are subject to change. Apply through HDB Resale Portal. This is not financial advice.