Navigating Singapore’s property landscape can feel overwhelming—especially for first-timers. But with the right knowledge and a trusted guide like Kesang Labattu, the journey can be clear, strategic, and even empowering.
Kesang Labattu | July 07, 2025
Navigating Singapore’s property landscape can feel overwhelming—especially for first-timers. But with the right knowledge and a trusted guide like Kesang Labattu, the journey can be clear, strategic, and even empowering.
One key support available to first-time families is the Enhanced CPF Housing Grant (EHG). As of August 2024, eligible families can receive up to $120,000 to help them secure their dream home—whether new or resale.
The EHG is a government initiative designed to help Singaporean families afford their first homes. The grant amount is based on your household income—families with lower average monthly income over the past year receive a higher grant amount.
To qualify, your family must meet these main criteria:
Be a first-time applicant (or a mix of first-timer and second-timer for a reduced amount)
Have at least 12 months of continuous employment before your HDB Flat Eligibility (HFE) application
Have a monthly household income not exceeding $9,000
Buy a flat with a remaining lease covering the youngest buyer till age 95
Not own or have recently disposed of private property
Why This Matters
Whether you're planning to buy a Build-To-Order (BTO) flat or a resale HDB unit, the EHG can significantly reduce your financial burden. For example, a young couple earning $4,000 monthly may receive $70,000, credited directly to their CPF to offset their loan or flat price.
But knowing how to maximise this grant—and combining it with others like the Family Grant and Proximity Housing Grant—requires the right strategy.
That’s where Kesang Labattu comes in.
