If you live in an HDB flat in Singapore and want to cut down on housing costs and utility bills, this Housing & Utility Support guide explains everything clearly. From HDB grants and HIP upgrades to U-Save rebates and S&CC relief, learn how to access every available scheme to save thousands annually.
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🧭 Overview: What This Guide Covers
HDB housing purchase and resale grants, including EHG, PHG, and Family & Singles grants.
Home Improvement Programme (HIP) and EASE upgrades to maintain ageing flats.
U‑Save utility rebates and S&CC service charge relief.
How to qualify, how much, application steps, and pro tips to maximise savings.
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1️⃣ HDB Housing Grants & Scheme Eligibility
Singapore supports public housing through multiple grants:
Enhanced CPF Housing Grant (EHG): Up to S$80,000 for first-time buyers (new BTO or resale) earning up to **S$9,000/month ** .
Proximity Housing Grant (PHG): Up to S$30,000 for buyers living near parents/child .
Family Grant (Resale): Up to S$50,000 for resale flats .
Singles Grant: Covers singles aged 35+, up to S$60,000 (new) or S$115,000 (resale) .
Altogether, eligible families can claim up to ~S $190,000 in combined grants — massive savings on your housing loan.
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2️⃣ Home Improvement Programme (HIP) & EASE Upgrades
The HIP ensures HDB flats remain safe and habitable with fully subsidized essential works every ~30–60 years:
Upgrades include removing spalling concrete, replacing waste pipes, electrical rewiring, and more .
Optional upgrades (e.g., improved finishes, fans) are available at partial cost.
The EASE initiative adds elderly-friendly fittings like railings and wheelchair ramps .
In the latest cycle, over 410,000 flats have been upgraded, with about **S$4 billion invested ** — a free way to enhance your living space.
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3️⃣ U‑Save Utility Rebates & S&CC Relief
Residents receive quarterly rebates for utilities and conservancy charges:
U‑Save rebates (credited to SP services): up to S$380/year for small flats, scaling down for larger flats .
Service & Conservancy Charges (S&CC) rebates: up to 4 months of relief yearly .
In recent year cycles, households in 1–2 room flats received rebates like **S$285 + 1 month S&CC ** during January tranches .
These rebates are automatically credited—no action required .
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✅ Eligibility & Action Steps Summary
HDB Flats (owner or tenant) with ≥1 Singapore Citizen.
Flat must be owner-occupied or have a Singapore tenant .
Multiple property ownership disqualifies U-Save & S&CC rebates .
HIP upgrades rolled out in cycles—no need to apply; HDB contacts eligible blocks.
✔ To get the latest updates on HDB schemes, visit the official Housing & Development Board website.
✔ “Eligibility guidelines can be found on Singapore Government’s official portal.
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🧠 Expert Tips to Maximise Benefits
Keep flat info updated via Singpass to ensure rebate eligibility and avoid missed credits.
Regularly check SP Services and Town Council bills for U-Save and S&CC credits each April, July, October, January.
Review HIP notices and vote early in block exercises to trigger upgrades.
Combine grants (EHG, PHG, Family Grants) to maximize your housing subsidy.
Learn more about available Cash & Financial Aid schemes in Singapore.
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🔗 Learn More & Take Action
Discover full grant calculations and income limits on HDB’s Eligibility & Grants page.
For HIP schedules and EASE upgrade details, visit HDB’s Home Improvement Programme explainer .
View current rebate schedules on MOF’s support package site .
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🔁 What You Can Do Now
Interested in grants for Singapore Permanent Residents? Check our PR Benefits section.
Also helpful: CDC Vouchers which reduce daily spending further.
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🔚 Conclusion
From purchasing your dream flat with grants worth up to S$190,000, to enjoying free upgrades and automatic rebates, Singapore’s housing and utility support schemes serve residents comprehensively. Learn and apply these effectively to reduce your monthly expenses and secure your long-term housing future.