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CPF Housing Grant

If you are a Singapore Citizen (SC) and you and the other core occupiers (and their spouses) in the application have not taken any housing subsidy before, you can apply for the CPF Housing Grant to buy the EC unit. 

CPF Housing Grant amount for EC Buyers

Monthly Household Income CPF Housing Grant 
SC / SC* Households		 CPF Housing Grant 
SC / SPR* Households		 Half Housing Grant# 
SC / SC or SC / SPR Households 
Not more than $10,000 $30,000  $20,000  $15,000
More than $10,000 to $11,000 $20,000  $10,000  $10,000
More than $11,000 to $12,000 $10,000  $0  $5,000

citizen top-up grant

If your household comprises only one SC and one or more SPR(s) and is eligible for the CPF Housing Grant for Family at an amount that is $10,000 less than that of an SC/SC household, you may request to update the household status to an SC/SC household when: 

(a) your SPR spouse originally listed in the EC application has obtained Singapore Citizenship; 

(b) an SC child is born to you and your SPR spouse who is originally listed in the EC application; or 

(c) the SPR parent/child originally listed in the EC application has obtained Singapore Citizenship.


If your household meets any of the conditions in (a) to (c) above: 

(i) Before taking possession of the EC unit: you may request to update your household status to SC/SC household by approaching the Developer. Upon the update, an amount of $10,000 will be credited to the eligible buyer’s/occupier’s CPF OA. 

(ii) After taking possession of the EC unit: you may apply for the Citizen Top-Up housing subsidy of $10,000 within 6 months of mee ting the condition to be a SC/SC household. 

 If you have sold the EC unit, you will not be eligible to apply for the Citizen Top-Up grant. Two single persons applying for an EC unit are not eligible for CPF Housing Grant, as they are not considered an eligible family nucleus.
 
 

Resale Levy

The resale levy payable is determined at the point you book your second subsidised flat. It applies regardless of ownership type (joint-tenancy or tenancy-in-common) or shared interest in the flat. Payment must be made using cash and/ or your flat sale proceeds, and not a housing loan.

When and how payment is made?

Flat Sale Timeline Resale Levy Payment
First subsidised flat was disposed of after key collection to the second subsidised flat Resale levy deducted from the net proceeds upon the sale of the first subsidised flatAny shortfall must be paid in cash
First subsidised flat was disposed of before key collection to the second subsidised flat Resale levy must be paid in cash upon key collection to the second subsidised flat

Subsidised flat sold on or after 3 March 2006

If you have sold your first subsidised flat from 3 March 2006 onwards, you will pay a fixed amount resale levy as follows:
First Subsidised Housing TypeHouseholdsRecipient of CPF Housing Grant (Singles)
2-room/ 2-room Flexi flat $15,000 $7,500
3-room flat $30,000 $15,000
4-room flat $40,000 $20,000
5-room flat $45,000 $22,500
3Gen flat $45,000 Not Applicable
Executive flat $50,000 $25,000
Executive Condo $50,000 Not Applicable

Subsidised flat sold before 3 March 2006

If the first subsidised flat was sold before 3 March 2006, a percentage graded resale levy will apply (see table for more details). It is subject to a minimum amount of $15,000 for 2-room, $30,000 for 3-room, $40,000 for 4-room, $45,000 for 5-room, and $50,000 for Executive flat sold.
First Subsidised Housing TypeHouseholdsRecipient of CPF Housing Grant (Singles)
2-room/ 2-room Flexi flat 10%* or 15% 5%* or 7.50%
3-room flat 20% 10%
4-room flat 22.50% 11.25%
5-room flat & Executive flat 25% 12.50%
* Only applicable to 2-room flat sellers who buy a larger flat type. 

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