HDB Proximity Housing Grant: Living Near Your Parents

The HDB Proximity Housing Grant (PHG) is a cornerstone of Singapore's public housing policy, designed to foster strong familial ties and mutual support across generations. By providing substantial financial incentives, the government actively encourages married couples, singles, and parents to live with or near each other.

Understanding the Financial Benefits

From an advisory perspective, maximizing available grants is the first step in prudent property acquisition. The PHG offers up to $30,000 for families buying a resale flat to live with their parents/children, and up to $20,000 to live near them (within a 4km radius). For singles, the grants are $15,000 and $10,000, respectively.

Strategic Geographic Optimization

When utilizing the PHG, the 4km radius rule dictates your geographic search parameters. This often requires balancing the desire to be near family with other priorities, such as proximity to workplaces or preferred primary schools.

Conclusion

Leveraging the PHG not only reduces your initial capital outlay and mortgage burden but also provides the invaluable intangible benefit of familial proximity and support. The application process is seamlessly integrated into the HDB resale application.

Is there an income ceiling for the Proximity Housing Grant?

No, unlike the CPF Housing Grant or EHG, the Proximity Housing Grant (PHG) does not have an income ceiling.

What does HDB consider as living 'near' parents or children?

HDB defines 'near' as living within a 4km radius of your parents' or children's HDB flat or private residential property.

Written by

Senior Property Consultant & Co-Founder

Zai is a recognised industry leader at PropNex, excelling as a top producer, mentor, trainer, and coach. With a background as a lead process engineer and Six Sigma practitioner, he brings a data-driven approach to real estate.