A means-tested grant that helps lower- and middle-income Singaporean households buy their first HDB flat, whether new or resale. The amount received rises as household income falls, and the grant is credited to your CPF account toward the flat purchase.
Example: A first-time couple with a modest combined income may qualify for a sizeable EHG that reduces the CPF they need to draw down for their flat. Exact income ceilings and grant tiers should be verified against HDB.
Eligible first-timer families can receive up to S$120,000 and eligible singles up to S$60,000, awarded on a sliding scale by income — the lower your household income, the larger the grant. The maximum applies at the lowest income tier and tapers as income rises towards the ceiling.
Families must have an average gross monthly household income of S$9,000 or below, while singles buying under the Single Singapore Citizen scheme must be at S$4,500 or below. A first-timer buying with a second-timer is assessed against a halved S$4,500 family ceiling.
Yes. Unlike some grants, the EHG applies to new HDB flats and resale flats alike, provided you meet the income ceiling and have a remaining lease that covers the youngest buyer to at least age 95. This makes it one of the most flexible CPF housing grants.
Yes. For a resale flat you may stack the EHG with the Family Grant and the Proximity Housing Grant, potentially totalling up to S$230,000 in grants. All grants are paid into your CPF Ordinary Account to offset the flat price, not given as cash.