Enhanced CPF Housing Grant: Up to $120,000 for First-Time Homebuyers

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Enhanced CPF Housing Grant: Up to $120,000 for First-Time Homebuyers

Are you a first-time homebuyer looking to take advantage of the government's enhanced CPF housing grant? Here's a comprehensive guide to help you navigate the process and maximize your grant amount.

What is the Enhanced CPF Housing Grant?

The Enhanced CPF Housing Grant (EHG) is a government grant that provides financial assistance to first-time homebuyers who purchase HDB flats or Executive Condominiums (ECs).

enhanced cpf housing grant

Eligibility Criteria

To qualify for the EHG, applicants must meet the following criteria:

Be a Singapore Citizen (SC) or Permanent Resident (PR)
Be aged 21 or above
Have not previously received any CPF housing grants
Be purchasing a HDB flat or EC as their first home

Grant Amounts

The amount of EHG you receive depends on the type of flat you purchase and your income.

Type of Flat	Income Ceiling	Grant Amount
2-room Flexi**	$14,000 - $21,000**	Up to $80,000
3-room**	$14,000 - $26,000**	Up to $90,000
4-room**	$14,000 - $36,000**	Up to $100,000
5-room**	$14,000 - $48,000**	Up to $120,000

Income Ceiling

Enhanced CPF Housing Grant: Up to $120,000 for First-Time Homebuyers

The income ceiling refers to the combined monthly household income of all buyers applying for the grant.

How to apply for the EHG

What is the Enhanced CPF Housing Grant?

To apply for the EHG, you can either do it online or at the HDB Hub.

Online Application

Visit the HDB website (www.hdb.gov.sg)
Click on "Apply for a Grant"
Select "Enhanced CPF Housing Grant"
Follow the instructions on the screen

HDB Hub Application

Visit the HDB Hub at 43 Marsiling Drive
Take a queue number for "Grant Application"
Fill out the application form and submit it along with the required documents

Required Documents

Original NRICs of all buyers
Original income documents (e.g., payslips, CPF statements)
HDB sales agreement (if available)
Proof of relationship (e.g., marriage certificate)

Tips and Tricks

Check your eligibility for the EHG online before you apply.
If you are close to the income ceiling, consider waiting until your income drops below the limit before applying.
Apply for the EHG as early as possible to avoid missing out on your grant.
Keep track of your application status online or at the HDB Hub.

Why the EHG Matters

The EHG can help you save thousands of dollars on your home purchase. It can also help you to reach your homeownership goals sooner.

Benefits of the EHG

Reduces the down payment required
Lowers your monthly mortgage payments
Allows you to purchase a larger or better-located home

Conclusion

The Enhanced CPF Housing Grant is a valuable tool that can help you to purchase your first home. By understanding the eligibility criteria, grant amounts, and application process, you can take advantage of this generous government grant.

How the Enhanced CPF Housing Grant Can Help You

The Enhanced CPF Housing Grant (EHG) can help you to:

Buy a bigger or better-located home
Reduce your down payment
Lower your monthly mortgage payments
Reach your homeownership goals sooner

Step-by-Step Guide to Applying for the EHG

Check your eligibility online
Gather the required documents
Apply online or at the HDB Hub
Track your application status

Useful Tables

EHG Grant Amounts

Type of Flat	Income Ceiling	Grant Amount
2-room Flexi	$14,000 - $21,000	Up to $80,000
3-room	$14,000 - $26,000	Up to $90,000
4-room	$14,000 - $36,000	Up to $100,000
5-room	$14,000 - $48,000	Up to $120,000