FIRST-TIME BUYERS · HOUGANG · SENGKANG · PUNGGOL · SERANGOON
Terima kasih telah membaca artikel ini, jangan lupa untuk berlangganan!Buy Your First HDB Resale Flat Near Your Parents
首次购买转售组屋 · 住在父母身边
Eligible first-timer families can get up to $230,000 in CPF housing grants for a resale flat, including up to $30,000 for living with or within 4km of their parents.
符合条件的首次购屋家庭购买转售组屋，最高可获23万元公积金购屋津贴，其中与父母同住或住在4公里内，最高可获3万元。
Grant figures as of 3 Nov 2026, from HDB. Your HFE letter confirms your exact amounts.
$230,000
Max grants, first-timer families
家庭最高津贴
$115,000
Max grants, first-timer singles
单身最高津贴
4 km
Distance from parents for the PHG
与父母距离
21 days
Option to Purchase period
购买选择权期限
The Short Answer
简单来说
First-timer families buying an HDB resale flat can combine three grants: the CPF Housing Grant, the Enhanced CPF Housing Grant (EHG) and the Proximity Housing Grant (PHG). Together they come to up to $230,000. Singles can get up to $115,000.
首次购屋家庭购买转售组屋，可合并申请三项津贴：公积金购屋津贴、加强版公积金购屋津贴（EHG）及就近购屋津贴（PHG），合计最高23万元。单身人士最高可获11万5000元。
The PHG is the one most buyers in Hougang, Sengkang, Punggol and Serangoon can plan around: you get it for buying a resale flat to live with your parents, or within 4km of them.
在后港、盛港、榜鹅和实龙岗，最值得提早规划的是就近购屋津贴：购买转售组屋与父母同住，或住在父母4公里范围内，即可申请。
Your HDB Flat Eligibility (HFE) letter confirms which grants you get and how much. Apply for it before you start viewing flats.
您的组屋购买资格信（HFE）会确认您可获得的津贴与金额，看房前请先申请。
Your Grant Stack for a Resale Flat
转售组屋津贴一览
As of 3 Nov 2026. Source: HDB.
Grant · 津贴
First-timer families · 首次购屋家庭
First-timer singles · 首次购屋单身
CPF Housing Grant · 公积金购屋津贴
Up to $80,000 (2- to 4-room), $50,000 (5-room or larger)
Up to $40,000 (2- to 4-room), $25,000 (5-room)
Enhanced CPF Housing Grant (EHG) · 加强版公积金购屋津贴
Up to $120,000, depending on household income
Up to $60,000, depending on income
Proximity Housing Grant (PHG) · 就近购屋津贴
$30,000 living with parents, $20,000 living within 4km
$15,000 living with parents, $10,000 living within 4km
Total, up to · 合计最高
$230,000
$115,000
Your exact amounts depend on your income, your flat and your household. Your HFE letter confirms them.
实际金额取决于您的收入、所购组屋及家庭情况，以HFE信为准。
How the Proximity Housing Grant Works
就近购屋津贴怎么用
Live with your parents · 与父母同住
Buy a resale flat and live in it together: $30,000 for families, $15,000 for singles.
购买转售组屋并与父母同住：家庭3万元，单身1万5000元。
Live within 4km · 住在4公里内
Buy a resale flat within 4km of your parents' home: $20,000 for families, $10,000 for singles.
在父母住家4公里范围内购买转售组屋：家庭2万元，单身1万元。
Once, for most Singaporeans · 一生一次
You can receive the PHG once, even if you have had a housing subsidy before, whatever your income.
即使曾获购屋津贴，也不论收入高低，均可申请一次。
Stay close for 5 years · 至少同住或就近5年
You and your parents must live together, or within 4km of each other, for at least 5 years.
您与父母须同住或住在4公里内至少5年。
Check every flat with HDB's distance check before you commit. A map estimate is not enough.
Living Near Family in Hougang, Sengkang, Punggol and Serangoon
在第19区，与家人住得近
Hougang, Sengkang, Punggol and Serangoon sit side by side, so a flat in the next town can still fall within 4km of your parents. That gives you more blocks to choose from than you might expect.
后港、盛港、榜鹅和实龙岗彼此相邻，邻近市镇的组屋也可能在父母4公里范围内，选择比您想象的更多。
I live in Hougang. I'll shortlist blocks that are within 4km of your parents and fit your budget, and we check each address with HDB before you make an offer.
我住在后港，会为您挑选父母4公里内、又符合预算的组屋，出价前逐一向建屋局核实地址。
Shortlist Flats Near My ParentsBuying Your First Resale Flat: 5 Steps
购买转售组屋五个步骤
1
Get your HFE letter · 申请HFE资格信
Apply on the HDB Flat Portal. It confirms your eligibility, your grants and your HDB loan amount, and it is valid for 9 months.
在建屋局组屋门户申请，确认购屋资格、津贴及建屋局贷款额，有效期9个月。
2
Shortlist flats near your parents · 筛选父母附近的组屋
Set your budget from your HFE letter, then check each flat's distance from your parents' home.
根据HFE信定预算，再逐一核实组屋与父母住家的距离。
3
Get the Option to Purchase · 取得购买选择权
When you and the seller agree on a price, the seller grants you an Option to Purchase. You have 21 calendar days, including weekends and public holidays, to decide.
与卖家议定价格后，卖家发出购买选择权，您有21个日历日（包括周末与公共假期）做决定。
4
Submit the resale application · 提交转售申请
You and the seller each submit your part on the HDB Flat Portal. The buyers and occupiers must be the same as in your HFE letter.
您与卖家分别在组屋门户提交申请，申请人与居住者须与HFE信一致。
5
HDB approval and completion · 建屋局批准与交易完成
HDB reviews the application, and you collect your keys at completion. Your grants are credited to your CPF account to pay for the flat.
建屋局审核申请后，交易完成即可领取钥匙，津贴将存入您的公积金户头用于购屋。
Three Mistakes First-Time Buyers Make
首次购屋常见的三个错误
Viewing before the HFE letter · 未申请HFE就看房
You need a valid HFE letter before a seller can grant you an Option to Purchase, so apply first.
卖家发出购买选择权前，您必须持有有效的HFE信，请先申请。
Guessing the 4km · 凭感觉估距离
Two flats that look close on a map may not qualify, so check with HDB.
地图上看似很近，未必符合资格，请向建屋局核实。
Changing who is buying · 中途更换购屋人
The buyers and occupiers in your resale application must match your HFE letter, so agree on them before you apply.
转售申请的购屋人与居住者须与HFE信一致，申请前请先确定。
Check Your Grants and Shortlist Flats Near Your Parents
了解津贴，挑选父母附近的组屋
Leave your details and I'll WhatsApp you. There is no obligation.
留下资料，我会通过WhatsApp联系您，无任何义务。
First Resale Flat FAQ
常见问题
How much in grants can I get for my first resale flat?
As of 3 Nov 2026, eligible first-timer families can get up to $230,000 and eligible first-timer singles up to $115,000. Your HFE letter confirms your exact amounts.
What is the Proximity Housing Grant (PHG)?
An HDB grant for buying a resale flat to live with your parents or children, or within 4km of them. Families get $30,000 living together or $20,000 living within 4km. Singles get $15,000 or $10,000.
How do I check if a flat is within 4km of my parents?
Use HDB's distance check on the Proximity Housing Grant page before you commit to a flat.
Can I get the PHG if I have had a housing subsidy before?
Yes. You can receive the PHG once, even if you have had a housing subsidy before, whatever your income.
When should I apply for the HFE letter?
Before you start viewing. You need a valid HFE letter before a seller can grant you an Option to Purchase, and it is valid for 9 months.
How long is the Option to Purchase period?
21 calendar days from the date the seller grants it, including weekends and public holidays.
Do I have to pay to talk to you?
No. The first chat is free, with no obligation. If you decide to appoint me as your buyer's agent, we agree any fee in writing first.
Which areas do you cover?
Mainly Hougang, Sengkang, Punggol and Serangoon in District 19, where I live and work.
YOUR CONSULTANT · 您的顾问
Vincent Chow
20+ years in real estate · 600+ transactions · ERA Realty Network
I live in Hougang and help first-time buyers find a home near their family, with facts from HDB.
我住在后港，用建屋局的资料帮首次购屋者住得离家人更近。
WhatsApp VincentRelated Guides
相关指南
Prices and selling steps for Hougang, Sengkang, Punggol and Serangoon
A free price estimate for Hougang St 51/52 and Buangkok homes
Sell and upgrade plan for District 19 owners
Home is closer than you think.
家，比您想象的更近。
Check My GrantsDistrict 19 property guide: Hougang, Sengkang, Punggol and Serangoon · 第19区房产指南
Vincent Chow | Salesperson Registration Number R027734J | ERA Realty Network Pte Ltd | Estate Agent Licence Number L3002382K | WhatsApp +65 9450 2749
Information on this page is for general reference only and is based on HDB rules as of 3 Nov 2026. Grant amounts and eligibility rules may change and depend on your circumstances; please check with HDB before you buy. © 2026 Zoom Property.