Additional CPF Housing Grant
Additional Housing Grant is an additional subsidy over and above the regular market subsidy and Central Provident Fund Housing Grant that new and resale HDB flat buyers in Singapore can enjoy. It offsets the purchase price of a new or resale HDB flat in Singapore, thereby reducing the housing loan a flat buyer needs to take.
Overview
The AHG was first introduced on 3 Mar 2006 to help lower-income citizen families buy their first HDB flat. Under the AHG, households earning below the monthly income ceiling can qualify for an additional subsidy. The AHG has since undergone two enhancements. The first was in Aug 2007, and the second enhancement was on 6 Feb 2009.| AHG | Revised AHG | Latest Enhanced AHG | |
| Monthly income ceiling | S$3,000 | S$4,000 | S$5,000 |
| Maximum additional subsidy | S$20,000 | S$30,000 | S$40,000 |
The latest increase in income ceiling from S$4,000 to S$5,000 increases the coverage of the AHG from 50 to 60 percent of resident households. In addition, the condition of continuous employment preceding the flat application is reduced from two years to one year.
The enhanced AHG is applicable to the purchase of flats as follows:
| Category of Flats | Cut-off Date |
| Purchase of New / DBSS Flats | Booking of Flats on or after 6 Feb 09 |
| Purchase of Resale Flats | Resale Application received by HDB on or after 6 Feb 09 |
Eligibility conditions
The AHG will only be given once to each eligible family. As with the current scheme, the enhanced grant is given to Singapore Citizen only, and can only be used as capital payment for the flat purchase. The balance, if any, must be used to reduce the mortgage loan before a housing loan from HDB can be granted.In addition to the current eligibility conditions to buy a new flat and the conditions of income ceiling and continuous employment, the family will have also to meet the following eligibility conditions to apply for the AHG:
Family Nucleus
The applicant must form a family comprising the applicant and his/her:- spouse; or
- fiance/fiancee; or
- parents and siblings; or
- children under your legal custody.
Household Status
- are currently not owners of a flat bought direct from the HDB or a resale flat bought with the CPF housing grant; and
- have not sold a flat bought direct from the HDB or a resale flat bought with the CPF housing grant; and
- have not enjoyed other forms of housing subsidy.
Undischarged Bankrupt
Details and benefits of enhanced AHG
The AHG is graduated to allow families with lower income to enjoy a higher grant. The details of the enhanced grant are as follows:| Average Gross Monthly Household Income | Enhanced Additional CPF Housing Grant Quanta |
| S$1,500 or less | S$40,000 |
| S$1,501 - S$2,000 | S$35,000 |
| S$2,001 - S$2,500 | S$30,000 |
| S$2,501 - S$3,000 | S$25,000 |
| S$3,001 - S$3,500 | S$20,000 |
| S$3,501 - S$4,000 | S$15,000 |
| S$4,001 - S$4,500 | S$10,000 |
| S$4,501 - S$5,000 | S$5,000 |