SC/PR couple, first BTO application: eligibility and grant check
입력
- Applicant 1
- Singapore Citizen, age 29
- Applicant 2
- Permanent Resident, age 30
- Scheme
- Public Scheme (married couple)
- Household income
- $9,200/month combined
- Existing property
- None
- Previous HDB ownership
- None, no prior grants received
결과
- BTO eligibility
- Eligible — Public Scheme (SC + PR qualifies)
- Flat type eligible
- 2-room Flexi up to 5-room (income below $14,000 ceiling)
- CPF Family Grant
- $50,000 (resale) / Not applicable (BTO — BTO uses EHG)
- EHG eligibility
- $5,000 (household income $9,200 — above $9,000 threshold, below $14,000)
- Income ceiling warning
- None — $9,200 is comfortably within ceiling
이것을 읽는 방법: The SC/PR couple qualifies for BTO under the Public Scheme. Their $9,200 combined income puts them above the $9,000 EHG threshold (maximum EHG is $80,000 for income ≤$1,500), so their EHG is $5,000 — the minimum band. If they can apply before a salary increase pushes them above $14,000, the income ceiling is not a near-term risk. The advisor flags that the PR co-applicant cannot be the primary applicant — only the SC can be — which affects which party's CPF OA is used for the purchase. This procedural detail is easy to miss in HDB's official guidelines but is surfaced clearly in the eligibility output.