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发表于 17-8-2009 13:33:35|来自：新加坡
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专家,不好意思纠正你一下.
旧的补助是3W,靠近父母才有4W.今年2月开始月收入5000以下可以拿额外的0-1W不等.
korea-pie 发表于 17-8-2009 10:14 
哦，现在承认有了，是吧？隔壁帖子还硬说没有呢，就这么跟从我的信息，改了？
改了就是好同志，你如果来纠正我的错误，那也是好同志，欢迎。可惜，你还是说错了！下面这些条例哪里讲了需要靠近父母？你功夫下仔细一点再出山好吧？我要说别人错，我至少得花10分钟去验证，而不是根据自己的经验
 Policies - Additional CPF Housing Grant
| The Additional CPF Housing Grant (AHG) Scheme introduced in March 2006 is meant to help citizen families with a steady household income to buy their first subsidised HDB flat. The AHG can be used for the purchase of new, resale and DBSS flats. It is an additional subsidy over and above the regular market subsidy and CPF Housing Grant that new and resale flat buyers enjoy respectively. The scheme was enhanced in August 2007, with the income ceiling and the grant amount raised - to help more households own their first flat.
On 6 February 2009, the AHG Scheme was further enhanced, to make owning an HDB home easier for more citizen households - especially the lower-income families.
The enhancements are as follows:
• Maximum AHG amount is increased from $30,000 to $40,000
• Income ceiling is raised from $4,000 to $5,000
• Continuous working period preceding the flat application is reduced from two years to one year
[url=] Eligibility Conditions[/url]
[url=] Eligibility Conditions[/url] The Additional CPF Housing Grant will only be given once to each eligible family. In addition to the current eligibility conditions to buy a new flat, you will have to meet the following eligibility conditions if you wish to apply for the AHG:
Citizenship
You and your spouse are, Singapore Citizens; or - A Singapore Citizen and Singapore Permanent Resident.
Family Nucleus
You (the applicant) must form a family comprising you and your:
spouse; or fiance/fiancee*; or parents and siblings; or - children under your legal custody (if you are widowed or divorced).
*You must submit a copy of your Marriage Certificate to the HDB on or before the date you take possession of the flat as the Housing Grant is meant for married couples.
Employment Status - You or your co-applicant(s) must be in continuous employment for one year before the flat application.
Income Ceiling Your average gross monthly household income for the one-year period must not be more than $5,000. - Please click here for the guidelines for assessment of household income.
Household Status
You and the other essential family members listed in the application for purchase of the flat: are currently not owners of a flat bought direct from the HDB or a resale flat bought with the CPF housing grant; and have not sold a flat bought direct from the HDB or a resale flat bought with the CPF housing grant; and - have not enjoyed other forms of housing subsidy (for example, bought an Executive Condominium from developer, enjoyed benefits under the Selective En bloc Redevelopment Scheme, privatisation of HUDC estate etc).
Undischarged Bankrupt
The recipients of the housing grant must not be an undischarged bankrupt.
[url=]Amount of Grant[/url]
[url=]Amount of Grant[/url] From 6 February 2009, the maximum AHG amount for those with average monthly household income of $1,500 or less has been increased by $10,000 to $40,000. Income ceiling to qualify for AHG is also raised to $5,000.
AHG is graduated to allow families with lower income to enjoy a higher grant. The amount of AHG the buyers can be eligible for, will depend on their average gross monthly household income assessed over the past one year.
Average Monthly Household Income | Additional CPF Housing Grant
(before 6 Feb 09) | Enhanced Additional CPF Housing Grant
(from 6 Feb 09) ** | $1,500 or less | $30,000 | $40,000 | $1,501 - $2,000 | $25,000 | $35,000 | $2,001 - $2,500 | $20,000 | $30,000 | $2,501 - $3,000 | $15,000 | $25,000 | $3,001 - $3,500 | $10,000 | $20,000 | $3,501 - $4,000 | $5,000 | $15,000 | $4,001 - $4,500 | - | $10,000 | $4,501 - $5,000 | - | $ 5,000 |
Note:
** Cut-Off Date for Enhanced AHG is based on date of booking of new flats, i.e. on or after 6 Feb 09.
[url=]Disbursement of Grant[/url]
[url=]Disbursement of Grant[/url] The AHG is given to Singapore Citizen only (not Singapore Permanent Residence spouse or an undischarged bankrupt). The grant once disbursed cannot be returned.
| APPLICATION TO BUY A FLAT | AMOUNT | | Sole Applicant | Full grant. | | Joint Applicants (husband & wife) | Half of the full grant each. | Joint applicants who are not husband & wife
(e.g. married siblings, parents and married child) | Grant given only to one eligible applicant per flat. |
You can click here for the procedure to request the AHG.
[url=]Use of Grant[/url]
[url=]Use of Grant[/url] The AHG can only be used as capital payment towards the purchase of the new flat or to reduce the mortgage loan. You can use the grant to make the initial payment towards the purchase. The balance, if any, must be used to reduce the mortgage loan before a housing loan from HDB is granted.
Example: How AHG can help you to buy your first flat from HDB
Mr A, aged 36, has been working continuously for the past one year. His wife is not working. - Average monthly household income
| $1,500 | - Savings in CPF Ordinary Account
| $ 25,000 | - Monthly contribution to CPF Ordinary Account
| $ 315 | - Amount of AHG eligible for
| $ 40,000 | - Buying a standard 3-room flat from HDB under BTO
| $140,000 |
 | Without AHG | With AHG | Purchase Price of a 3-room flat (A)
Less 10% Downpayment (B):
(i) Pay by AHG (i.e. $40,000)
(ii) Pay by CPF savings
Balance Purchase Price (C = A-B) | $140,000
Not Applicable
$14,000
$126,000 | $140,000
$14,000
Not Applicable
$126,000 | | Balance AHG and CPF savings available (D) | $11,000 | $26,000 + $25,000 | | Mortgage Loan Required (E = C-D) | $115,000 | $75,000 | | Monthly Loan Instalment over 29-year period | $ 471 | $308 | | Monthly CPF Contribution from Ordinary Account to pay Loan Instalment | $ 315 | $308 | | Cash needed to pay Monthly Loan Instalment | $156 | Nil |
Benefits of AHG - AHG helps to reduce the loan required
- No need to use cash to pay the monthly instalment
If you are buying the flat with a bank loan, the AHG will be treated as part of your CPF money. It can be used to pay the CPF portion of the initial payment towards the purchase of the flat or to reduce the mortgage loan. It will be included in the computation of the CPF withdrawal limit. The Grant cannot be used to pay the monthly instalments.
The treatment of the initial payment using CPF money and cash for buying flats with bank loans is summarised in the table below: Cash | CPF
(including AHG) | Total | 5% | 5% | 10% |
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Page Last Updated : 27 Jul 2009 |
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