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Anonymous

03 Aug 2025

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EHG or Deferred Income Scheme?

Hi there just wondering if taking the EHG or the Deferred Income Scheme makes sense.

For context, the current HFE letter gave me $55k in EHG and only $338k in HDB loans for a $630k+ BTO flat. The rest of the $300k will have to be financed and paid during key collection.

I was wondering if this make sense or should I just apply for the deferred income scheme so that I can finance the full amount through HDB and retain my savings instead of wiping it all out in 4-5 years time?

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Ian

10 Aug 2025

Deferred income

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Tony

03 Aug 2025

Computer Engineering at Nanyang Technological university

In my opinion, if it's 4-5 years later, deferred income scheme is likely better, you can build up your cpf and savings, and hopefully by then increased income and can qualify for higher loan amount so you don't have to fork out so much cash.

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Hi, just got a BTO. We’re fresh grads so we’ll be doing deferred income assessment for the EHG. To pay off the mortgage using CPF, we must earn more than 9k. But if we do we cnnt get EHG. Advice?

If both my partner and I are full-time students but are working part-time, are we eligible for the EHG? Or must we opt for the deferred income assessment?

Is it possible to be eligible for the EHG Grant without having to defer income assessment?

For BTO Income Ceiling Eligibility (< $14,000) and EHG Housing Grant (< $9,000), are bonuses (13th month and performance) assessed as part of income?

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