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Kickstart your home ownership and career journey
Follow the story of Sid and Devi, a young couple buying their first home together:
How you will be supported in getting your first home
More housing options
Standard, Plus and Prime BTO flats
With the new flat classification framework, there will be BTO flats to suit every budget and need.
Table 1: Overview of Flat Types
Flat Classification | Standard | Plus | Prime |
|---|---|---|---|
Location | Islandwide | Choicer locations: nearer to city centre, good connectivity and amenities, or with unique features (e.g. waterfront living) | Choicest locations: centrally located, excellent connectivity, and comprehensive amenities |
Subsidies* | Significant market discounts | More subsidies in addition to significant market discounts | Most subsidies in addition to significant market discounts |
Minimum Occupancy Period (MOP) | 5 years | 10 years | 10 years |
Subsidy recovery upon resale of flat | No | Yes (lower than Prime Flats) | Yes |
*Information on the subsidies for the BTO projects will be available during each sales launch.
Learn more about the new flat classification framework.
Housing grants for first-timers
Receive up to $230,000 in housing grants to help finance your first home.
Enhanced CPF Housing Grant (Families)
First-timer couples buying a new or resale HDB flat can get up to $120,000 in grants, if they have a combined monthly income of up to $9,000.
If you are buying a resale flat, you must first qualify for the CPF Housing Grant for Resale Flats (Families) before applying for the EHG.
Table 2: Enhanced CPF Housing Grant (EHG) Amounts for First-Timer Families
Average Monthly Household Income | Enhanced CPF Housing Grant for First-Timer Families |
|---|---|
≤$1,500 | $120,000 |
$1,501 - $2,000 | $110,000 |
$2,001 - $2,500 | $105,000 |
$2,501 - $3,000 | $95,000 |
$3,001 - $3,500 | $90,000 |
$3,501 - $4,000 | $80,000 |
$4,001 - $4,500 | $70,000 |
$4,501 - $5,000 | $65,000 |
$5,001 - $5,500 | $55,000 |
$5,501 - $6,000 | $50,000 |
$6,001 - $6,500 | $40,000 |
$6,501 - $7,000 | $30,000 |
$7,001 - $7,500 | $25,000 |
$7,501 - $8,000 | $20,000 |
$8,001 - $8,500 | $10,000 |
$8,501 - $9,000 | $5,000 |
>$9,000 | NA |
CPF Housing Grant for Resale Flats (Families)
First-timer couples buying a resale HDB flat can get up to $80,000 in grants, if they have a combined monthly income of up to $14,000.
Table 3: CPF Housing Grant Amounts (Resale Flats) for First-Timer Families
Flat Type / CPF Housing Grant for Resale Flats | If both are Singapore Citizens | If one is a Singapore Citizen, and one is a PR |
|---|---|---|
2 – 4 room flats | $80,000 | $70,000 |
5-room or bigger flats | $50,000 | $40,000 |
Proximity Housing Grant for Resale Flats (Families)
You can also receive up to $30,000 in grants, if you buy a resale HDB flat to live with or near your parents.
Table 4: Proximity Housing Grant (Resale Flats) for First-Timer Families
Eligibility | Proximity Housing Grant (Resale Flats) |
|---|---|
If you are living with your parents | $30,000 |
If you are living within 4km of your parents | $20,000 |
Learn more about the Proximity Housing Grant for Resale Flats.
Purchasing your flat early
Get help with buying your HDB flat early, if you:
Are a full-time student and/or National Serviceman (NSF); or
Have completed full-time studies or NS within the last 12 months before applying for a HDB Flat Eligibility (HFE) letter.
Deferred Income Assessment
Apply for a HFE letter first and defer your eligibility assessment for the Enhanced CPF Housing Grant (EHG) and a HDB housing loan to a date nearer to your key collection appointment. By then, you are more likely to be eligible for the EHG and may also qualify for a higher loan amount after working for some time.
Those who fulfil the eligibility conditions will be informed during their flat booking appointment. They do not have to opt for it when they apply for the HFE letter.
Find out more about Deferred Income Assessment.
Staggered Downpayment Scheme
You may split the downpayment for your uncompleted flat into two. The first instalment is payable when you sign the Agreement for Lease (AFL) and the second when you collect your keys.
If you are eligible for deferred income assessment, the first downpayment is halved to 2.5% of the flat price.
Find out more about the Staggered Downpayment Scheme.
More about housing support for young couples.
How you will be supported in your career
Career guidance
Skills & Training Advisory Services
Get support and guidance on the skills and training needed to advance your career.
A free 1-to-1 personalised consultation with a Skills Ambassador can help you identify:
The skills and training needed to achieve your career goals
Suitable courses and course providers
Various assistance schemes to support your upgrading efforts
Sign up for a personalised consultation today.
Jobs & upskilling
SkillsFuture Work-Study Programme
Gain industry experience and skills with participating employers, with opportunities for full-time employment.
There are 4 different pathways based on your educational qualifications and career goals.
For ITE & Poly Graduates - SkillsFuture Work-Study Certificate
Be matched to a job related to your field of study, with a 12- to 18- month structured training programme
Who is it for?
Singaporean and Singapore Permanent Residents who are within three years of (i) graduation from the ITE and Polytechnics or (ii) Operationally Ready Date (for full-time National Servicemen)
How will I benefit?
Full-time employment with a competitive starting salary
Industry-recognised certificate upon programme completion
Sign-on incentive of S$5,000
Structured workplace learning, mentorship and facilitated learning
Skills-based wage increments and career advancement pathways upon programme completion (based on performance)
For ITE Graduates - SkillsFuture Work-Study Diploma
Take on jobs with participating employers related to your field of study, with a 12- to 36-month structured training programme.
Who is it for?
Singaporeans and Singapore Permanent Residents within three years of (i) graduation from ITE or (ii) Operationally Ready Date (for full-time National Servicemen); and
Pursuing a diploma in Business & Services, Engineering and Infocomms & Media
How will I benefit?
Full-time employment with a competitive starting salary
Industry-recognised Diploma upon programme completion
Sign-on incentive of S$5,000
Structured workplace learning, mentorship and facilitated learning
Skills-based wage increments and career advancement pathways upon programme completion (based on performance)
For Poly Graduates - SkillsFuture Work-Study Post Diploma
Be matched to a job related to your field of study, with a 12- to 18-month structured training programme.
Who is it for?
Polytechnic graduates within three years of graduation or Operationally Ready Date (for full-time National Servicemen)
How will I benefit?
Full-time employment with a competitive starting salary
Industry-recognised Post-Diploma-level qualification or professional certification upon programme completion
Sign-on incentive of S$5,000
Structured workplace learning, mentorship and facilitated learning
Skills-based wage increments and career advancement based on performance
Advanced standing or credit exemption for relevant degree programmes
For Poly/JC Students & Working Adults - SkillsFuture Work-Study Degree
Pursue a degree at a local university, with on-the-job training at participating companies to complement your classroom learning.
Who is it for?
Polytechnic, Junior College students and working adults keen to pursue a degree at a local university
How will I benefit?
Integrated curriculum co-designed by universities and companies
Receive support from your sponsoring company, including tuition fee sponsorship, stipends and sign-on bonuses
Good chance of career opportunities with your sponsoring company upon graduation
ITE Progression Award
As an ITE graduate, you can tap on the ITE Progression Award (IPA) to support your educational and upskilling journey.
Who is it for?
ITE graduates aged 30 or below who are keen to pursue an eligible diploma
Applicable for ITE Work-Study Diploma, ITE Technical or Technical Engineer Diploma, Polytechnic Full-Time / Part-Time Diploma, NAFA / LASALLE Full-Time Diploma and NIEC Diploma
How will I benefit?
$5,000 top-up to your Post-Secondary Education Account when you enrol for a diploma by age 30
$10,000 top-up to your CPF Ordinary Account upon completion of your diploma
Learn more about the ITE Progression Award.