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Hi

Yes that is correct, the grants are disbursed to both you the owner and the core occupier equally. And since your partner is not the owner, his/her grant can't be used for the housing purchase. Similarly the loan is based on your income and age only, and his/her income is not recognized for loan purposes.

Hope the above clarifies. I am well-versed with HDB and private property transactions, having helped more than 100 home-owners to smoothly complete their housing plans. Please reach out to me at 97432395  for a more in-depth discussion :)

May I have more info on your requirements so as to make better recommendations? Thanks and looking forward to chat more

Warm Regards,

Ivan Ng Realtor
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As per HDB's website here->
https://www.hdb.gov.sg/residential/buying-a-flat/understanding-your-eligibility-and-housing-loan-options/flat-and-grant-eligibility/couples-and-families/enhanced-cpf-housing-grant-families

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A household’s eligibility for housing subsidies and HDB housing loan is assessed based on the core family nucleus, which is formed by the core member(s). Core members refer to the applicant(s) and occupier(s) in an HFE letter application who enable the household to qualify for a flat purchase under an eligibility scheme.

If your household is eligible for the EHG, first-timer SC and SPR members (if any) of the core family nucleus will receive the grant based on their eligible share. It will be credited into their CPF Ordinary Accounts.

The EHG received by core applicants can be used to:
- Offset the purchase price of the flat
- Reduce the housing loan required for the flat purchase

*Occupiers will NOT be able to use their CPF savings (INCLUDING any housing grants received) for the flat purchase, servicing of the housing loan, etc.

The loan amount on the other hand is indeed based on the income assessment of the owner, not the occupier.

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It sounds like you are in the midst of planning for your HDB purchase.

I'm a Harvard graduated real estate agent with a degree in economics, and I have a decade of experience working on Singapore public policy. Happy to connect and discuss the various financial implications and policy considerations you need to note so you don't inadvertently trap yourselves making the wrong move.

Feel free to reach out via whatsapp or email below :)

Kay Cloud
The Harvard Educated Agent
Propnex Realty Pte Ltd
cloud@propnex.com
Tel: (+6.5.) 8.5.6.7.4.5.8.5
Whatsapp -> https://wa.me/6585674585 Read More

Hi, appreciate your sharing over PropertyGuru, able write in behalf to check with HDB base on current situation.
Looking forward to assist you at WhatsApp +65 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart
PropNex Senior Associate Division Director Read More

✔1) Grants are split evenly between the flat owner and the listed core occupier. If your partner isn’t an owner, their grant portion cannot be used to pay for the flat purchase.

✔2) The HDB loan assessment is based only on the owner’s income and age. Your partner’s earnings won’t be counted when calculating the loan amount.

✔3) For EHG eligibility, HDB looks at the core family nucleus (applicants and occupiers named in the HFE letter). Eligible first-timer Singapore Citizens or SPRs receive their share of the grant directly into their CPF Ordinary Accounts. Only core applicants can use their EHG portion to offset the flat price or reduce the housing loan.

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You are right. Read More

Good day to you.

The HDB housing grant and mortgage loans are intended for owners, so their credit ratings are assessed directly. CPF funds can only be accessed from the homeowner's account to help cover the monthly mortgage payments. Since your partner qualifies for the housing grant and you wish to obtain a larger loan for the purchase, could you rationalize what is stopping your partner from being included as a co-owner?

Navigating a property transaction can feel overwhelming, especially when it intersects with major life events.
With over 15 years of experience as a property consultant, my role goes beyond market knowledge — it is to provide clarity, structure, and peace of mind through complex decisions.

I regularly assist clients with sensitive and non-standard situations, including:
• Divorce & Asset Settlement — guiding parties toward fair, practical outcomes for shared properties
• Intestate & Estate Planning — helping families navigate inherited property and future planning with confidence
• Complex Property Matters — including cases involving Lasting Power of Attorney, bankruptcy, or special circumstances

If you’re seeking clarity rather than pressure, I’m happy to have a conversation to understand your situation and outline possible next steps.

Mike Lim
CEA Reg No: R026708F | ERA
WhatsApp: https://wa.me/message/VCDD3MUYRD3JP1
Email: m52i@yahoo.com

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Hi Sir/Madam

If you are currently navigating through any aspect of the real estate journey such as renting, selling, buying, or investing and need help, feel free to contact me for assistance. I am here to support you every step of the way.

I am well versed in HDB and Private Property transaction and have done many transactions
Appreciate if you can contact me at (65) 9 6 6 0 8 5 0 8 with details of your unit
or click here https://wa.me/6596608508 to whatsapp me for no obligation discussion
Thank you.

Warmest regards,

Silvia Yang

Senior Marketing Director
ERA Realty Network Pte Ltd
Email: Silviayang8@gmail.com Read More

hi,

Yes that is right.

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

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