Affording a BTO as a couple (student and working)

My partner and I are thinking of applying for a BTO. I will complete my studies end of 2025. Currently only my partner is working, so i understand that we will be able to get some grants like the EHG grant based on my partner's salary.

But how does it work? I understand that since i am a student, we are allowed to pay a staggered downpayment but will the EHG grant sum be topped up into our CPF account so that we can use it as a downpayment?

Please correct me if i am wrong. Thank you for your help.

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FairLoan Mortgage SG

11d ago

Chief Analyst at Fairloan Mortgage Advisory

Yes, the grants will now be split equally into both applicants' CPF-OA account before the completion.

Hence, yes it can be used for downpayment purpose.

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Cua toi 10 Job

Edited 05 May 2025

Applying for a Build-to-Order (BTO) apartment, especially when one partner is a student and the other is working, as mastering the gunspin requires practice and strategy, navigating the application process and understanding grants like the EHG grant will also require careful planning.

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Chris cctzjd

27 Aug 2024

Own time own target at Self Employed

Better go ask HDB directly...

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