1️⃣ SC 2nd Timer, SPR 1st Timer, the SPR will receive *HALF of the SC/SPR Grant.* or

The SC/SPR + SC kids the full grant will be split equally to the SC & SPR parent.
For SC/SPR Top-Up grant :
- *Eg 1.* SC/SPR both *1st Timer* (salary below $10k) now $20k grant will be split to both, then later part after the SPR convert to SC or give birth to the SC kids and apply for the bal $10k top-up grant, the grant will split to both.
- *Eg 2.* SC *(2nd timer)* + SPR *(1st timer)* (salary below $10k).
The half grant $10k will be still give to the SPR now, then after SPR convert to SC or give birth to the SC kids can still apply for the bal $5k Top-Up grant.

2️⃣ SC Child as applicant with SC Parents (1st Timer) as Core Occupiers, *Child will receive HALF of the Grant*, *Parents will receive HALF of the Grant, even as an occupiers*.
Parents as Core Occupier will have to pay Resale Levy for the next subsidies flat AND *considered to have ENJOYED 1 SUBSIDY*.

3️⃣ SC Child + 1 SC Parent as applicants, 1 SC Parent as Core Occupier, *Grant will go to BOTH Parents* and Child is not considered as enjoy 1 subsidy.

4️⃣ Single SC Child Applicant *(1st Timer, Above 21yr old)*, buy with 2 SC parent *(Second Timer)* as Core Occupier the parent will need to *Pay HALF Resale Levy (Eg. 4room $40k , they only pay $20k instead of $40k).*
But after this purchase parent will become a *3rd Timer* and not eligible to purchase any BTO in future, except *2room Felxi.*

5️⃣ Single SC Child Applicant *(1st Timer, Above 21yr old)*, buy with SC parent *(Second Timer)*, but 1 parent become *Applicant* and 1 parent become *Core Occupier* the parent will need to *Pay FULL Resale Levy (Eg. 4room $40k, NOT Half Levy)*, as this family nucleus is base on Parent (Public Scheme).

6️⃣ CPF Housing Grant, if utlitised, can be used for Future Private Property purchase. *If the Grant is not utilised, then CANNOT use for Private Property Purchase in future.*
For eg, SC Husband as applicant, SC wife as Occupier, both will receive the Grant. But Wife's Grant Amount cannot be used for future private property purchase, only can use for next HDB purchase be it BTO/Resale.

7️⃣ Divorced with Interim Judgement is good enough to book a EC under Public Scheme (with Child).
*Divorced buying under Fiance/Fiancee Scheme MUST have Final Judgement.*

8️⃣ *ALL components in the payslips ARE to be included for Income Assessment.*
Eg, Reimbursement/Claims (Ang Bao, Hospital Claims or Even u buy an Air Ticket for company and in indicate reimbursement), Overtime, Director Fees are to be considered as part of your Income.
Any *Bonus(es)* that's state in the payslip are excluded.

9️⃣ Be it Employed/Self Employed or Unemployed all buyer will need to submit their latest NOA/Form B and Past 15mth *CPF Contribution*, on top of the 12 month payslips for (employed) / Income declaration for (Self & Un-Employed).

🔟 Buyer whom unemployment for 1st 6mth n employ for the next 6month , the 6mth salary will ÷ by 6mth not 12mth.
Eg 1. Buyer who change job last day is 15 May'23 n salary also till 15 May'23 , HDB will take the 0.5mth salary for calculation.
Eg 2. Buyer change new Job salary ($4000) instead of starting 01 June'23 but start working on 15 June'23 n the salary payout is ($2000) , HDB will *Count Full month ($4000) n not Half ($2000).*