The Ultimate Guide to HDB Fiancé/Fiancée Eligibility Scheme

Nothing says ‘adulting’ faster than getting engaged and planning to move in together as a couple — or, shall we say, fiancé/fiancée? Lucky for you, in Singapore, it is possible to apply for a matrimonial home with HDB before tying the knot. And isn’t a home the perfect cherry on top of a sweet ‘I do’?

A quick overview on the HDB fiancé/fiancée scheme

If you’re newly engaged or are thinking about proposing to your partner, this one is for you: HDB’s Fiancé/Fiancée Scheme allows you to apply for your first matrimonial home before getting married.

But as with all HDB schemes, there are less-than-romantic criteria and conditions you have to meet.

HDB’s fiancé/fiancée scheme eligibility criteria for resale and BTO flats

Other special conditions

But as with all HDB schemes, there are less-than-romantic criteria and conditions you have to meet for the Fiancé/Fiancée Scheme.

Condition #1: HDB needs your parents’ consent to purchase a flat

If you or your fiancé/fiancée are between the ages of 18 and 21, his or her parents must agree to the purchase of the HDB flat.

Also, if you or your fiancé/fiancée are below the age of 18, a Special Marriage Licence is required for verification.

Condition #2: You and your fiancé/fiancée must solemnise your marriage within 3 months from the resale completion date

The solemnisation can be with the Registry of Civil Marriages or Registry of Muslim Marriages.

But if your marriage is registered overseas, you need to submit a photocopy of your marriage certificate to HDB within 3 months from the resale completion date.

Condition #3: Divorcees are required to produce three types of documents

If you or your fiancé/fiancée are divorcees, you must submit these three documents to HDB for verification: Final Judgment (otherwise referred to as Decree Nisi Absolute), Interim Judgment (or Decree Nisi), and Order of Court.

Financing your HDB: Can you actually afford to buy an HDB flat?

Planning for a marriage is all well and good until you realise you can’t afford the home you’ve been dreaming of sharing with your soon-to-be spouse. While that sucks, it doesn’t have to be a reality.

You can get a CPF housing grant to financially cushion your home purchase.

4 CPF housing grants under the HDB fiancé/fiancée scheme:

HDB’s Fiancé/Fiancée Scheme allows you to apply for your first matrimonial home before getting married. But you must solemnise your marriage within 3 months from the date of key collection.

1. Enhanced CPF Housing Grant (EHG)

One of the CPF Housing Grants under the HDB Fiancé/Fiancée Scheme is the EHG, which is applicable for first-time homebuyers with an average gross monthly household income of up to $9,000.

You can get up to $80,000 in grants, depending on you and your fiancé/fiancée’s combined income.

To be eligible for the EHG, either you or your spouse/ fiancé(e) must have worked continuously for the past 12 months prior to the resale application and must still be working at the time you submitted the resale application.

2. Proximity Housing Grant (PHG)

Speaking of which, the PHG encourages Singaporean families to live near or with their parents.

You can get up to $20,000 in grants if your purchased flat is within 4 km of your parents’ home.

3. Family Grant

The Family Grant assists homebuyers who are married or engaged couples with a combined income ceiling of $14,000 (and not any higher).

You can get $50,000 in housing grants if you qualify, or up to $160,000 if you also qualify for the EHG and PHG.

4. Half-housing Grant

The Half-housing Grant is applicable for eligible first-timer applicants whose fiancé/fiancée had previously received a housing subsidy. This means they have either previously taken a Singles Grant; bought a 2-room BTO flat as a single; or received a family grant under another family nucleus to purchase a flat before.

You can get $25,000 in grants for a 2- to -4-room flat or $20,000 for a 5-room (or bigger) flat.

The CPF housing grants depend on a range of factors, though.

So be sure to double-check with HDB if you truly qualify. Better yet, engage Ohmyhome Super Agents to do the research for you.

Looking for your matrimonial home? Here’s how you can speed up your home search

Finding the right person to spend the rest of your life with can be just as difficult as finding the right home. Let Ohmyhome’s smart data-matching technology MATCH you with the right home, according to your specific needs. Submit your preferences to us and our algorithm will filter all our available listings based on those, and we’ll WhatsApp them to you once we find a match. We’ll also send you relevant content that you can use for your research and inform your home buying decision, so you no longer have to spend hours searching online for the information that you need.