What’s the Scoop on the HDB Proximity Housing Grant?
It’s the government’s cheerleader for Singaporeans who want to stay close to family. Picture this: a CPF housing grant that can drop up to $30,000 right into your pocket if you’re buying an HDB resale flat. No, it’s not a free cake; it’s a real bonus for those who want to move nearer to the folks that matter.
Who Gets a Hand‑shake?
- “Living together” enthusiasts – if you’re planning to take up residence with your parents or children in an HDB resale flat, you’re in the good guys’ club.
- “Close‑by” lovers – if you’re buying a resale flat that’s in the spirit zone of your family, the grant’s got your back.
More Than Just a Discount
Think of the PHG as your passport to a more Modern Family‑style lifestyle:
- Easy get‑to‑get‑together moments with relatives.
- Power‑ups for caring for your elderly parents—you can drag them with you to the doctor in no time.
- A sweet sense of peace knowing a reliable babysitter can pop in at a single heartbeat.
Let’s Dive Into the Details
Grab your toothbrush, pull up a chair, and let’s explore what the grant can do for you—soon to be a headline in your next neighborhood conversation.
A brief backgrounder on the Proximity Housing Grant (PHG)
PHG 2025: A Quick Guide to the New Rules
Ever wondered how your Singapore home dreams can get a little extra boost? The Proximity Housing Grant (PHG) has been revamped in 2018 to make homeownership a whole lot easier for more folks. Here’s what’s changed, what you’ll get, and how the distance rule works.
1. Bigger Bucks for Family‑Bundled Living
- Living with Parents/Children? Your grant can now jump to $30,000 (up from $20,000).
- Living Nearby? If you’re within a reasonable distance but not in the same flat, you still snag $20,000—no change there.
2. Singles, You’re Not Left Out
- Near Neighbours or Family? A single buyer can still grab $10,000 if they’re close to their parents/children.
- Living Together? The grant rises to $15,000 for singles who co‑habitate—big step up from the old $10,000.
3. The 4‑km “Third‑Degree” Rule
- Where’s your new place? You can now purchase any resale flat within 4 km of your HDB flat or private address.
- Before 2018? The distance cap was just 2 km or the same town.
- Same town, >4 km? No‑go. Even houses in the same neighborhood must be under 4 km; otherwise, the grant won’t apply.
How to Check the Distance
Wondering if your future home qualifies? Grab a Google Maps pin, drop it onto your current address, and hit the “Measure distance” feature. Count the straight‑line kilometres; if it’s 4 or less, you’re in.
TL;DR: Why It Matters
- Grants are larger for families living together.
- Singles get to enjoy half a couple’s grant, but still a healthy sum.
- Broader radius means you’re not stuck buying a home in the same neighbourhood.
Ready to grab that extra cash and buy your dream house? Hit the links, check the grid, and let the PHG do its job. Good luck, and may your house-hunting adventures be as smooth as a freshly laid carpet!
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What are the conditions to be eligible for the Proximity Housing Grant (PHG)?
Who Can Grab the Prime Home Grant?
Give this a quick read if you’re thinking about that sweet Prime Home Grant (PHG) and want to know if you’re a good fit. We’ve broken it down into bite‑size bits so it’s easy to spot the dos and don’ts.
Family and Couple Details
- For a couple or nuclear family, the other applicant must be a Singapore Permanent Resident or a Singapore Citizen.
- If you’re single, you’ll need to be at least 35 years old when applying under the Single Singapore Citizen Scheme, Joint Singles Scheme, or Public Scheme (provided your parents are co‑applicants or occupants). This age rule helps keep the jump‑start funds for older singles who really need that extra push.
- Got a non‑Singaporean spouse? Just be at least 21 years old and apply under the Non‑Citizen Spouse Scheme. Your grant amount will mirror what singles would receive.
What Kind of Flat Do You Need?
- Only HDB resale flats qualify. No BTO (Built‑To‑Order) flats here.
- Choose a two‑room flat or larger with a remaining lease of at least 20 years. That’s a quick way to keep the property line of sight wide open.
Who Can Bring Your Home to the Table?
- You’ll be able to claim the grant if the house where your parents or your children reside is either an HDB flat or a private residential property (condo, landed home, etc.).
- For private properties, they must be owner‑occupiers—that is, you or your parents/children actually live in the place.
- The property must be owned by your parents/children (or even your adopted kids, parents‑in‑law, siblings, or immediate family). The main purpose is to show genuine homeownership.
Payment Rules and Limits
- Unlike many other schemes, there’s no income ceiling for PHG—so science for all!
- Both first‑time and second‑time homebuyers can apply.
- Keep in mind: you can only receive the PHG once in your lifetime. If you’ve bagged one before, no second chances.
Now you’re ready to navigate your way through the grant application maze with confidence. Good luck on that new home look‑ahead!
How do I check if a flat qualifies for Proximity Housing Grant (PHG)?
So, What Exactly Is This 4km Radius Thing?
Ever found yourself scrolling through HDB listings and wondering, “If I buy this place, will it be within 4km of my kids’ crib or my parents’ pad?” The Housing & Development Board (HDB) has a nifty tool for that—called the Distance Enquiry e‑service. No code‑wars or math miracles necessary; just punch in the postal codes of the two spots you’re comparing and let the tech do its job.
How It Works (In Plain English)
- Step 1: Grab the postal codes of the flats you’re eyeing.
- Step 2: Spot the Distance Enquiry link on the HDB site or app.
- Step 3: Enter both codes; hit search.
- Step 4: Boom! You’ll see if the distance is under 4km, right on the map.
Why 4km? An Insider’s Gloss
Think of this 4km spot as the Golden Zone—close enough that your kids can easily run to school or your parents can swing by for a quick coffee but far enough that you still get a decent commute to work. It’s the sweet spot Singapore’s planners love to keep on their radar.
Seeing Is Believing: Our Demo in the East
Let’s play a quick game. We took two HDB flats in the eastern part of the island and fed their postal codes into the tool. The results? A friendly green dot on the map confirms a 4km-ride. If you’re in the same spot, you’re all set to snag that flat.
Feeling ready to check your own potential move? Grab those postal codes and give it a whirl. It’s tech, but it’s also a little piece of peace of mind.
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Quick & Fun Way to Spot Nearby Housing Grants
Using HDB’s Map Services is like having a GPS that swears it knows the best cafes. The neat part? You can instantly see which nearby flats qualify for the Proximity Housing Grant.
How to Do It
- Open the Map Service and enter the address you’re curious about.
- In the menu on the right, tap “Distance Enquiry for Proximity Housing Grant”.
- Voilà! A quick filter pops up, showing all blocks within a 4‑km radius.
Zero hassle, no guesswork—just a snappy “search” that pulls up the local grant‑eligible gems.
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Finding the Hidden HDB Gems Near Your Family
If you’re hunting for an HDB resale flat smack‑in‑the‑center of the 4 km bubble around your parents or kids, you might be overwhelmed by the HDB Map Search—its no‑cold‑water feature is that it won’t tell you which units are actually on the market.
Enter the 99.co Universe
Let’s roll out the red carpet for 99.co, the property portal that actually keeps you in the know. All you need to do is type in the address or the postal code of the spot you’re after, then hit Search.
How to Maximize the 4‑km Radius
Once you’re on the results page, a map view will greet you. If you’re on a desktop, here’s the secret sauce:
- Hover your mouse over the red nub grinning on the right edge of the circle.
- Drag that nub outward until it stretches out to the 4,000‑m limit—so we’re talking a full 4 km radius.
That’s basically their Radius Search Filter tuned just for the Proximity Housing Grant folks. Poof—now you see all the bubbles on the map where you can snag a home that’s within five “thumbs” of your family’s home sweet home.
Happy house hunting!
Just don’t forget to bring your coffee, because you’re about to dive deep into the real estate ocean.
<img alt="" data-caption="But 99.co does.
PHOTO: 99.co” data-entity-type=”file” data-entity-uuid=”5ee463d3-6997-46e6-a1fb-a8c38e0a02a1″ src=”/sites/default/files/inline-images/220222_99cosearch_99co.jpg”/>
Hunting for Your Dream Home on 99.co
Grab the Filters button in the 99.co app, dial in a search radius of 4,000 m (4 km), and then let the other magic filters do the heavy lifting.
- Price range: set it to your sweet spot.
- Size—little nook or spacious suite?
- Property type—apartment, condo, loft, you name it.
- Amenities—gym, pool, pet‑friendly, or any extra perk that keeps the vibe alive.
- Watch the map zoom into your perfect neighborhood.
Happy house‑hunting, and may the right home find you!
Do I have to return or pay back the Proximity Housing Grant (PHG)?
Think Your CPF Grants Are Free? Think Again!
There’s a common myth that the CPF housing grants (like the PHG) come at zero cost. Not true!
What Happens When You Sell Your Flat?
As families grow and shrink, you rarely keep the same home forever. When you sell your house, you’ll have to refund everything you borrowed from the grant system:
- The original grant amount you received.
- Any CPF money you used in the purchase (down‑payment, monthly installments).
- Accrued interest— about 2.5% on those amounts—which is what the grant could have earned had it stayed in your Ordinary Account (OA).
All of this is repaid into your CPF OA from the proceeds of the sale.
Good News: Use It Again!
Don’t worry—the refunded amount is still yours to play with. You can funnel it back into your CPF OA and use it to buy your next home.
Heads‑Up About Extra Grants
If you’ve also claimed the AHG, SHG, or EHG alongside the PHG:
- Only a $60,000 cut from those grants will return to your CPF OA.
- The rest goes straight into your CPF Special Account, Retirement Account, or even Medisave Account.
So, no free lunch—just careful bookkeeping!
Am I really living near my parents?
Getting Around: Why 4 km Isn’t Always 4 km Away
The shortcut from one property to another is rarely as simple as it looks on the map. Take the two flats in Pasir Ris and Tampines: they’re only a short bus ride and a casual stroll apart, but that doesn’t tell the whole story. If you’re putting the clock on your commute, it pays to dig deeper.
Why Travel Time Matters
- Walking and public transport don’t cover the same ground at the same speed.
- Traffic, bus routes, and train schedules can stretch a 4 km distance into a marathon.
- Your daily rhythm depends on how long you can afford to be on the move.
Spy on Your Commute with 99.co
The go-to hack? Turn the “Search by Travel Time” slider on 99.co and plot your dream flat in real-time. Set a dilemma—say, a 20‑minute public‑transport window—and let the platform do the heavy lifting.
Quick Steps to Narrow Your Search
- Open 99.co’s resale filter page.
- Select “Travel Time” from the dropdown menu.
- Slide the clock to 20 minutes.
- Browse the results—those flats that actually fit your time budget will pop up!
In short, the next time you’re eyeing a new home, don’t just look at the distance. Let the travel time do the talking.
Navigate Your Home Hunt with a Few Clicks
Ever feel like your search results are a maze? No worries—just look for the quick‑look column that shows you every home within a 20‑minute bus or MRT ride from the spot you typed in.
That’s where the Search by Travel Time gizmo steps in. Think of it as your own personal travel compass:
- Zooms in on the best resale flats that fit your commute needs.
- Restricts the circle to a 4km PHG radius, so you’re not chasing houses that will make you miss the next coffee break.
- ⌛ Speeds up your decision time by cutting out the “how long will I get there?” guesswork.
So next time you’re scrolling through listings, give that Travel Time filter a whirl. It’ll point you straight to the homes that won’t leave you stuck on an endless bus ride or waiting for the next MRT train—just like a good friend who always knows the shortcut.
Why You’ll Love It
With this handy feature, you’ll:
- Feel confident that your commute won’t be a nightmare.
- Keep your budget in check—no more paying extra for projects that lie half an hour away.
- Enjoy more free time—more time for your hobbies, friends, or just a 20‑minute “no‑obsession” walk in the park.
All set? A few clicks and you’ve got the perfect spot that’s practically next door, plus a little humor to keep the search from feeling like a chore.
What other grants can I be eligible for?
Grab Those Grants! A Quick Guide for HDB Resale Folks
Thinking of snagging a resale flat? Great choice! And guess what—there’s money to help you out. Here’s a friendly rundown of the cash‑back perks you should be aware of. (No links, just good vibes)
- HDB Purchase Grant: A sweet boost toward your home‑buying dreams—usually your go‑to starter.
- HDB Special Assistance Scheme: Tailored for low‑income buyers; it’s like a friendly nudge from the Council.
- Shared Ownership Grant: Perfect for people who want a bit of equity, but love the idea of split ownership.
- Home Ownership Plan (HOP): Designed for those sneaking the extra bit into their budgets.
- Singapore Household Development Grant (SHDG): Quick cash for repairs and renovations—after all, who doesn’t love a stylish home?
So next time you’re filling out those forms, keep an eye out for these grants. They’re like the extra gravy that makes your house‑buying journey a whole lot tastier.
For singles
Single‑Life Gift Policy
Got a little extra room that’s waiting to turn into your very own slice of paradise? If you’re 35 or older, the Housing Authority’s got a sweet deal to help you make that dream a reality.
Flat‑Fit Grants
- Two‑to‑four‑room flats: Grab a $25,000 boost.
- Five‑room flats: The landlord’s saying $20,000 – you’ll still read this with a grin.
Enhanced CPF Housing Grant (EHG) – for the savvy Single
- Age 35+
- Grants range from $2,500 to $40,000, depending on what you earn on a monthly basis.
Ready to double‑check what that “average monthly income” really means? Just dive into our guide and discover every tip, trick, and how‑to that’ll keep you laughing all the way to the closing table.
For first-time applicants (couples/families)
How the Enhanced CPF Housing Grant Is Helping Couples and Families Build Their Dream Home
Does the idea of owning a cozy apartment or a spacious family home have you daydreaming? Singapore’s Enhanced CPF Housing Grant (EHG) is stepping in to make those dreams a little bit closer to reality—especially for newlyweds and families looking to grow.
What’s the Deal?
- Couple and Family Grants: New eligible couples can snag anything from $5,000 up to a generous $80,000, all depending on their average household income.
- Married First‑Time Applicants: If you’re a married couple setting out for the first time, there’s a special grant focused on flat size and citizenship, ranging from $30,000 to $50,000.
Why It’s a Win‑Win
Picture this: you get a boost that aligns with exactly how much you earn. It’s a sweet sweet safety net that gives more breathing room when you’re budgeting for a new house.
The Family Factor
For families, the grant rewards bigger living spaces. The more household income you have on average, the higher the grant—so you get the extra pocket money you need to turn a fenced‑in condo into a home that comfortably fits everyone.
Happy Couples, Happy Homeowners
The extra money is just the cherry on top. Spot a flat that feels just right, whether you’re looking for a sunny studio or a kicking-boot condo, and the Enhanced CPF Housing Grant will help make it happen.
So, if you’re on the brink of buying or upgrading, give the EHG a look‑over. It’s not just a grant—it’s a stepping‑stone toward a future where you can enjoy your space just the way you’ve imagined it.
For second-time applicants
Step‑Up CPF Housing Grant: The $15,000 Boost for Second‑Timers
What’s Happening?
Singapore’s government is revamping the Step‑Up CPF Housing Grant (SUSHG). If you’re a “second‑timer” — meaning you’ve already bought a flat before and now want to upgrade — you could bag up to $15,000 in additional help. The amount hinges on both the brand new and future flat types you’re eyeing.
How the Grant Works
- Snap a new house that fits the current flat type criteria, and you’ll get the base SUSHG amount.
- Plan to move into a higher‑tier or future-eligible flat, and the grant scales up accordingly.
- The two‑step process is designed to keep upgrading affordable while encouraging people to stay within the public housing system.
Why It Matters
For those of you who’ve already lived in a HDB flat, this upgrade route lets you put a bit of extra cash back in your pocket or at least soften the price tag of a bigger home. Think of it as a “second‑chance” boost that says, “Got a bigger crib? We’ve got your back!”
Key Takeaways
- The grant amount isn’t a flat rate; it adjusts with the type of flat you’re buying.
- Second‑timers who already own a home automatically qualify for this instance of the award.
- Keep an eye on your grant eligibility period; it usually aligns with Singapore’s public housing timelines.
Word of Caution
Remember, the money won’t be handed out automatically. You’ll need to apply through the Housing & Development Board (HDB) and meet the usual SUSHG eligibility checks. Think of it like ordering a pizza: you get the money once you’ve confirmed you’re on the right pizza‑list.
Final Thoughts
Stacks up to $15,000? That’s like getting a jackpot in your own home upgrade lottery. If you’re a second‑timer or planning to be one soon, consider applying. Your future flat could be closer than you think.
For first-time and second-time couple applicants
New Half‑Housing Grant Program
Hey there! If you’re looking to snag a sweet deal on a flat, this one’s for you.
What’s the Deal?
- Only first‑time applicants qualify.
- Your spouse or fiancé must have already received a housing subsidy before.
- Choose between:
- $25,000 for a cozy 2‑to‑4‑room unit.
- $20,000 for a spacious 5‑room or larger home.
Why the “Half‑” Prefix?
Think of it as a kitchen‑sized portion of your future home fund – a helpful nudge with just a hint of nostalgia from your partner’s past housing perks.
Ready to Apply?
Grab this grant before it’s gone. Your dream flat might just be a $25,000 or $20,000 jump away!
For newly-married singles
Top‑Up Grant: Married Switch‑Up Bonus
Who gets it? If you’ve already snagged the Singles Grant but your relationship status has upgraded to married, or if you were part of the Non‑Citizen Spouse Scheme and now your spouse (or kid) holds Singapore citizenship, you’re in the running.
How much? The boost is tied to the amount you claimed before – the more you had, the greater the top‑up.
- Check your previous grant receipt.
- Confirm your new family status.
- Apply for the top‑up through HDB’s portal.
We’ve put together a handy guide (complete with a snazzy infographic) to walk you through all the HDB grant options for couples. Take a look!
Good luck hunting your new home!
Related reads:
- Quick guide to BTO and resale HDB grants for couples.
Published by 99.co – your go‑to source for Grants and funds, Housing policy, HDB Families and prices.
