In 2025, the government of Singapore will maintain its affordable housing pledge with addition of the CPF Housing Grants to first-time house purchasers. These grants will provide much needed financial assistance to households and singles who wish to buy HDB resale flats as they continue to be pricey. As the aspects of grants have higher rates and wider coverage, the CPF Housing Grant 2025 comes at a much-needed moment to support potential buyers who have to compete in the market.
What Is the CPF Housing Grant?
The CPF Housing Grant is a subsidy given to interested Singaporeans that buy resale HDB flats. It eases the burden on the pocket by automatically depositing the money directly to the Buyers CPF Ordinary Account which can be used in the purchasing of the flat. To accommodate additional families in view of the increased housing price, the grant has been improved in 2025.
Who Is Eligible?
Eligibility is based on several key criteria:
- At least one applicant must be a Singapore Citizen
- First-time homebuyers only
- Household income ceiling: $14,000 (couples) or $21,000 (extended families)
- Must not own private property locally or overseas
- Flat must have a remaining lease of more than 20 years
These conditions ensure that the grant reaches those who need it most.
How Much Can You Receive?
The grant amount depends on the flat type and household structure:
- Up to $80,000 for families buying 4-room or smaller resale flats
- Up to $50,000 for families buying 5-room or larger resale flats
- Singles may receive up to $40,000 under the Enhanced CPF Housing Grant (EHG)
Couples with one Singapore Citizen and one Permanent Resident receive $10,000 less but can top up the difference later if the PR becomes a citizen or they have a child.
Additional Grant Options
Buyers may also qualify for other grants:
- Enhanced CPF Housing Grant (EHG): Up to $80,000 based on income
- Proximity Housing Grant: Up to $30,000 for living near parents or children
- Half-Housing Grant: For couples where only one is a first-time buyer
These can be combined with the CPF Housing Grant to further reduce upfront costs.
Final Thoughts
It is not only a monetary asset, but the CPF Housing Grant 2025 is a passport to homeownership of thousands of Singaporeans. The government is supporting families and individuals to settle safely and affordably on a house by increasing the amounts of grants and expanding the eligibility. In this respect, this assistance translates into realization of the home-owning dream by many.
Also Read: $900 Senior Bonus in Singapore: Who Qualifies and When to Expect It? Check Details..