HDB Grants for Young Couples in Singapore: What You Need to Know

Why HDB Grants Matter for Young Couples

Let’s face it—property prices in Singapore are high. But HDB grants can significantly reduce the financial burden for couples by lowering the purchase price or offsetting the loan amount. For couples just starting their careers or family life, these grants can be game-changers.

1. Enhanced CPF Housing Grant (EHG)

The Enhanced CPF Housing Grant (EHG) is the most inclusive and flexible HDB grant. It replaces older schemes like the Additional and Special Housing Grants.

Key Features:

Up to $80,000 grant amount
Applicable for new and resale flats
Income ceiling: $9,000 (combined monthly household income)
Must be first-timer applicants
Continuous employment for 12 months before applying

What Makes It Ideal for Young Couples?

Since many young couples are just entering the workforce, the EHG favors those with modest incomes. The lower your combined income, the higher your grant.

For example:

If your monthly household income is $4,000, you may qualify for a $45,000 grant.
The grant amount decreases as your income increases.

2. Family Grant (for Resale Flats)

Buying a resale flat gives you flexibility in location and size—but it’s typically more expensive than a BTO flat. That’s where the Family Grant comes in.

Key Features:

Up to $80,000 grant for first-timer couples
Only for resale flats
Income ceiling: $14,000 for couples
Grant amount depends on flat type and citizenship

Breakdown:

$80,000 if both applicants are Singapore Citizens (SC)
$60,000 if one applicant is a Permanent Resident (PR)

Added Bonus:

If you live near your parents or choose to live with them, you may be eligible for the Proximity Housing Grant (PHG) too.

3. Proximity Housing Grant (PHG)

Living close to your parents has emotional and practical benefits—from childcare to family dinners. The PHG encourages this by offering additional financial support.

Key Features:

Up to $30,000
Applicable only for resale flats
No income ceiling
Must live within 4 km of parents or in the same flat

This grant can be combined with the Family Grant, which makes buying a resale flat near your parents more financially attractive.

4. Step-Up CPF Housing Grant

This lesser-known grant helps couples who are upgrading from a 2-room flat in a non-mature estate to a larger flat.

Key Features:

Up to $15,000
Must be a second-timer applicant
Only for upgrading from a smaller flat

Although more relevant down the road, it’s helpful for young couples to know this option exists when planning long-term.

Sample Grant Scenarios for Young Couples

Let’s break down a typical scenario for clarity.

Couple A:

First-time buyers
Combined income: $5,000
Buying a 4-room resale flat near parents

Grants Available:

EHG: ~$40,000
Family Grant: $80,000
PHG: $30,000

Total Grants: $150,000 off their flat price. That’s a significant subsidy!

Application Process: What You’ll Need

Getting these grants isn’t difficult, but you’ll need to prepare the right documents.

Checklist:

Proof of income (CPF contributions or payslips)
Marriage certificate (if already married)
Identity documents (NRIC or passport)
Details of employment history (last 12 months)

You can apply for these grants during your flat application process, either for a new BTO or resale flat.

Tips to Maximize Your HDB Grant Amount

Buy Early
The earlier you buy (and while your income is lower), the higher your EHG.
Live Near Parents
This unlocks the PHG, even if you choose a smaller resale flat.
Choose Wisely: New vs Resale
Grants differ for new BTO and resale flats. Resale flats allow stacking of multiple grants.
Consider Future Upgrading
Plan ahead to see if the Step-Up Grant will be useful later.

Final Thoughts

For young couples in Singapore, buying a home doesn’t have to be financially overwhelming. With smart planning and the right knowledge of HDB grants, you can save a huge chunk of your costs and start your new chapter on the right financial footing.

Whether you opt for a BTO or resale, make full use of what’s available. The Enhanced CPF Housing Grant, Family Grant, and Proximity Housing Grant together can make homeownership not just possible—but surprisingly affordable.