Affordable and quality housing is one of the cornerstones of building social stability, and the sense of nationhood. Singapore’s public housing programme is no doubt one of the most successful public housing programmes in the world, resulting in low rates of homelessness, the elimination of slums, higher cultural and social integration, and lower crime rates. By comparison, in Los Angeles, when I grew up, public housing (aka the projects) was a hotbed for crime, drugs, gangs, violence, and disease, with little chance of upward mobility or even integration. Because homelessness results in a whole host of problems, keeping housing affordable and accessible, still remains one of Singapore’s top priorities. Though with all the various government schemes, it’s hard to keep track of what’s what. Here’s an attempt to help simplify the various public housing schemes available in Singapore:

Government Policies on HDB Housing:

This article lists priority schemes and grants, and does not list eligibility requirements, which can be found here. The schemes and grants listed here are based on the People’s Association Booklet: Ask Kopi Kakis – Government Policies Made Simple. You can download the full guide, along with guides for other topics, in all 4 languages here.

Priority Schemes (to Improve Balloting)

These priority schemes enhance your chances in the balloting process. Note these are not the same as eligibility schemes.

www.hdb.gov.sg

Policy & How to Qualify
Parenthood Priority Scheme - For first-timer married couples with children.
Married Child Priority Scheme - For married children residing together or within the same or neighbouring estate as their parents.
Third Child Priority Scheme - For families with more than two children.
Multi-Generation Priority Scheme - For married children and parents applying to reside within the same BTO project.
Assistance Scheme for Second-Timers (ASSIST) - For second-timer applicants (divorced or widowed persons with children) who are right-sizing to smaller flats.
Tenants’ Priority Scheme* - For first-timer and second-timer tenants of rental flats who want to own homes.
* These are NEW or NEWLY enhanced schemes

Housing Grants – New Flats

www.hdb.gov.sg

Policy & How to QualifyBenefits & Limits
Fresh Start Housing Grant* - For 2nd-timer rental parent(s) below age 55, with young children (< age 16, with at least 1 citizen child) who want to own a home again, can buy a short-lease 2-room Flexi flat with 20-year Minimum Occupation Period.• Up to a $35,000 grant for a 60-year or 65-year lease flat, with the amount adjusted downwards for flats with shorter leases
Additional CPF Housing Grant (AHG) - For applicants who purchase new or resale flats with average gross monthly household income ≤$5,000.• Up to $40,000
Special CPF Housing Grant (SHG) - For first-timer families buying 2- to 4-room flats in non-mature estates, with average gross monthly household income ≤$8,500. • Between $5,000 and $40,000, on top of AHG
• AHG + SHG = up to $80,000 (in addition to the already subsidised purchase prices for new HDB flats)
CPF Housing Top-up Grant Scheme - Financial help for singles who have previously received the CPF Housing Grant for Singles (listed below), and whose child or new spouse is a Singapore Citizen or Permanent Resident. Average gross monthly household income must be ≤$12,000.• A top up of $10,000 into CPF
* These are NEW or NEWLY enhanced schemes

Housing Grants – Resale Flats

www.hdb.gov.sg

Policy & How to QualifyBenefits & Limits
CPF Housing Grants for Singles - For singles aged ≥35 years applying for a resale flat. Singles can also receive the Additional CPF Housing Grant, if eligible.• $15,000 Singles Grant
• CPF Housing Grant + AHG + PHG = up to $55,000 (singles)
CPF Housing Grant for Family* - For eligible first-time citizen households to buy a resale flat, if average gross monthly household income does not exceed $12,000 (or $18,000 if applying with extended family).• Up to $50,000
• CPF Housing Grant + AHG + PHG = up to $110,000 (families)
Proximity Housing Grant (PHG) - For families who buy resale flats to live together or close to their families; or singles when they buy a resale flat with their parents.
• $20,000 grant for families
• $10,000 grant for singles
Additional CPF Housing Grant (AHG) - For applicants who purchase new or resale flats with average gross monthly household income ≤$5,000. • Up to $40,000
* These are NEW or NEWLY enhanced schemes

Look out for future simplified articles which will focus on other Government Policies, including Social Safety Nets, Personal Tax Reliefs, and Family Benefits. 🙂

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