Property: CPF Housing Grant Eligibility Calculator

[jcleow]

Summary

Add a CPF Housing Grant eligibility calculator to help users determine which grants they qualify for and the maximum amounts. Grants can total up to $80K+ and significantly reduce upfront costs.

Why This Matters

• Grants can reduce property cost by $30K to $80K+
• Complex eligibility rules (income ceiling, first-timer status, proximity, etc.)
• Many buyers don't know which grants they qualify for
• Grants affect affordability calculations significantly

Available Grants (2024)

For BTO Flats

Grant	Max Amount	Key Requirements
Enhanced CPF Housing Grant (EHG)	$80,000	Income ≤ $9,000/month, First-timer
Proximity Housing Grant (PHG)	$30,000	Live near parents/children
Step-Up CPF Housing Grant	$15,000	2-room flexi upgrading to 3-room

For Resale Flats

Grant	Max Amount	Key Requirements
CPF Housing Grant (Singles)	$40,000	Single, ≥35 years old, Income ≤ $7,000
CPF Housing Grant (Families)	$50,000	Income ≤ $14,000
Enhanced CPF Housing Grant (EHG)	$80,000	Income ≤ $9,000, First-timer
Proximity Housing Grant (PHG)	$30,000	Live near parents/children
Half Housing Grant	$25,000	Second-timer + First-timer couple

For EC (Executive Condo)

Grant	Max Amount	Key Requirements
CPF Housing Grant	$30,000	Income ≤ $16,000, First-timer
Half Housing Grant	$15,000	Second-timer + First-timer couple

Eligibility Factors

interface GrantEligibilityInputs {
  // Buyer profile
  buyerType: 'single' | 'couple' | 'family'
  isFirstTimer: boolean              // Never owned subsidized flat
  applicant1Age: number
  applicant2Age?: number
  
  // Income
  householdIncomeMonthly: number     // Combined gross income
  
  // Property
  propertyType: 'bto' | 'resale' | 'ec'
  flatType: '2room' | '3room' | '4room' | '5room' | 'exec'
  
  // Proximity
  nearParents: boolean               // Within 4km of parents
  nearChildren: boolean              // Within 4km of married children
  livingWithParents: boolean         // Same unit as parents
}

Grant Calculation Logic

interface GrantResult {
  grantName: string
  amount: number
  eligible: boolean
  reason?: string                    // Why not eligible
}

function calculateEligibleGrants(inputs: GrantEligibilityInputs): GrantResult[] {
  const results: GrantResult[] = []
  
  // EHG - Income-tiered
  if (inputs.isFirstTimer && inputs.householdIncomeMonthly <= 9000) {
    const ehgAmount = getEHGAmount(inputs.householdIncomeMonthly)
    results.push({ grantName: 'EHG', amount: ehgAmount, eligible: true })
  }
  
  // PHG - Proximity
  if (inputs.nearParents || inputs.nearChildren) {
    const phgAmount = inputs.livingWithParents ? 30000 : 20000
    results.push({ grantName: 'PHG', amount: phgAmount, eligible: true })
  }
  
  // ... more grant logic
  
  return results
}

EHG Amount by Income (2024)

Monthly Income	EHG Amount
≤ $1,500	$80,000
$1,501 - $2,000	$75,000
$2,001 - $2,500	$70,000
...	...
$8,501 - $9,000	$5,000
> $9,000	$0

UI Integration

• Grant eligibility section in mortgage form
• Checklist-style eligibility checker
• Show which grants user qualifies for
• Total grant amount prominently displayed
• Auto-apply grants to reduce effective property price
• Link to official HDB grant pages for details

Acceptance Criteria

• Input fields for all eligibility factors
• EHG eligibility and amount calculated correctly
• PHG eligibility checked (proximity inputs)
• Family/Singles grant eligibility checked
• Total eligible grants displayed
• Grants auto-applied to reduce net property cost
• Clear explanation when not eligible for a grant
• Income ceiling warnings shown

References

• HDB Housing Grants
• CPF Housing Grants

Labels

property, enhancement, P2, hdb

[linear]

ASS-74