An Inclusive & Endearing Home

Singapore has one of the highest home ownership rate in the world, due to the commitment of our founding fathers since the very beginning of nation building. Today, there are more than 1 million HDB flats across the island, home to over 80% of Singapore's resident population. The schemes highlighted below help Singaporeans meet their housing needs at different life stages.

First-timer Families

New flats are sold by HDB with a subsidy built into the prices. On top of this, eligible first-time buyers who buy a new flat can enjoy up to $80,000 in housing grants, comprising the Additional CPF Housing Grant (AHG) and Special CPF Housing Grant (SHG) of up to $40,000 each.

Those who prefer to move in quickly and/or have specific preferences on location may wish to buy a resale flat. First-timer families buying resale flats can enjoy up to $120,000 in housing grants, comprising the CPF Housing Grant ($50,000), AHG ($40,000) and Proximity Housing Grant (PHG) ($30,000).

Buyers can enjoy a higher chance of success if they apply for BTO flats in non-mature estates, which are generally well-developed today with good transport networks and easy access to amenities. In fact, most first-timer applicants are able to secure a flat in a non-mature estate within two tries, and almost certainly in their third attempt.

Find out more about the various schemes and grants here.

Second-timer Families

Second-timer families applying for a second subsidised flat may receive the Step-Up CPF Housing Grant of up to $15,000, if they wish to upgrade from a 2-room subsidised flat in a non-mature estate to a 3-room flat in a non-mature estate.

Find out more about the Step-Up CPF Housing Grant here.

There are also second-timer families who are currently living in a rental flat. These families may have previously owned a flat, but they encountered difficulties such as the loss of a loved one or unemployment, sold their flat and are now staying in public rental housing. As second-timers, they find it harder to afford another HDB flat because they no longer qualify for housing grants which are mostly given to first-timers. Many aspire to own a home again, to give themselves and their children a better future. To assist these families, the Fresh Start Housing Scheme was launched. Through the scheme, second-timer families with young children, who are currently staying in a public rental flat, may use the Fresh Start Housing Grant to buy a 2-room Flexi flat of their own. These flats come with shorter leases, ranging from 45 to 65 years, to keep the price affordable, and will also come with a longer Minimum Occupation Period of 20 years, to ensure a stable home for the children. 

Find out more about the Fresh Start Housing Scheme here


Elderly citizens looking to right-size can apply for a 2-room Flexi flat, which allows them to enjoy the flexibility of choosing the length of lease of their flat based on their age, needs, and preferences. The lease can range from 15 to 45 years, in 5-year increments.

Find out more about 2-Room Flexi Flats here

At least 40% of 2-room Flexi flats are reserved for elderly applicants, with half of this set aside under the Senior Priority Scheme (SPS). This scheme gives elderly citizens who wish to age-in-place in a familiar environment or live near their parents or married children priority in buying a 2-room Flexi flat.

Find out more about the various priority schemes here

Those who right-size to a 2-room or 3-room flat may also qualify for up to $20,000 with the Silver Housing Bonus (SHB). 

Another scheme available for seniors who wish to monetise their flats to enhance their retirement funds is the Lease Buyback Scheme (LBS). Under the LBS, eligible flat owners can sell part of their flats lease to HDB and choose to retain the length of the lease based on the age of the youngest owner. This allows elderly owners to unlock part of their housing equity while continuing to live in their homes, and receive an income stream to supplement their retirement income. 

Find out more about the various monetisation options here.


Singles can own HDB flats under several housing schemes. They can choose to buy a flat on their own under the Single Singapore Citizen Scheme (SSC), or with their single siblings, relatives or friends under the Joint Singles Scheme (JSS). Orphans can also buy a flat under the Orphans Scheme.

Under the SSC, singles can enjoy up to $40,000 in housing grants when they buy a new flat from HDB (comprising the AHG and SHG (Singles) of $20,000 each), and up to $45,000 in housing grants when they buy a resale flat (comprising the Singles Grant and AHG (Singles) of up to $25,000 and $20,000 respectively). Singles who purchase a resale flat to live with their parents can also enjoy the PHG.

Find out more about the SSC here.

With the JSS, eligible buyers can enjoy up to $80,000 in housing grants for new flats and $90,000 for resale flats.  

Find out more about the JSS here.

Priority Schemes

Support of Marriage and Parenthood

Applicants with children or planning to stay close to their parents can take advantage of HDB’s various priority schemes.

For instance, married couples who are expecting a child or already have children can apply for the Parenthood Priority Scheme (PPS) or the Third Child Priority Scheme (TCPS). The PPS gives priority to first-timer married couples who are expecting or have children younger than 16 years old, by setting aside up to 30 per cent of the BTO flat supply for these families. Families with three or more children will enjoy further priority under the TCPS, where HDB sets aside up to an additional 5 per cent of the flat supply, on top of the PPS. 

Promote Mutual Care and Support

Another scheme is the Married Child Priority Scheme, applicable for married children who wish to live together or close to their parents for mutual care and support. Under this scheme, up to 30 per cent and 15 per cent of the BTO/SBF flat supply is set aside for first-timer and second-timer applicants, respectively. In addition, those who apply for a new pair of flats with their parents in the same BTO project can enjoy priority under the Multi-Generation Priority Scheme. 

Help Low Income and Vulnerable Families

Some families may need help accessing a flat more quickly, following major life changes such as divorce or demise. Under the Assistance Scheme for Second-Timers (Divorced/Widowed Parents) (ASSIST), second-timers with children below the age of 16 will get priority if they apply for a 2-room or 3-room BTO flat in the non-mature estates. When purchasing a flat, a divorcee with full care and control of a child is considered a family nucleus and treated no differently from married households.

Public rental families who are ready for homeownership can also benefit from the Tenants’ Priority Scheme (TPS), which sets aside up to 10 per cent of the 2-room Flexi and 3-room BTO and SBF flat supply. 

Find out more about the various priority schemes here.

Rental Schemes

Providing temporary accommodation for Singaporeans

The Public Rental Scheme helps low-income Singaporean families who are unable to afford a homeownership flat and do not have family support with a 1 or 2-room public rental flat for as low as $26 per month. Single persons who are unable to form a family nucleus may apply with another eligible single under the Joint Singles Scheme to rent a 1-room public rental flat. To ensure that public rental flats cater to those without other housing options, households are assessed on a needs-basis at the point of application and tenancy renewals. 

First-timer families who are awaiting completion of their booked flats may rent a 3 or 4-room flat under the Parenthood Provisional Housing Scheme (PPHS) at subsidised rents.

Find out more about the various rental schemes here.