India in Singapore — Housing Sources
Renting, buying, tenancy rules and housing support for India nationals in Singapore — sourced from official government domains.
Key facts at a glance
- •Cpf Contributions validity period: 1 January 2027 (CPF Board)
- •The salary threshold for Cpf Contributions is 750 SGD (CPF Board)
- •Medisave/medishield Life Reimbursements processing takes 4 to 6 weeks (CPF Board)
- •The tax relief eligibility income limit for Medisave Account is 8,000 SGD (CPF Board)
- •Matched Medisave Scheme (mmss) requires: 1 January 2026 (CPF Board)
Extracted from 260 official pages across 2 government sources. Auto-updated daily.
Official Sources
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Key Policy Facts
Data points extracted from official government pages. Updated automatically.
Cpf Contributions
- Validity Period
- 1 January 2027
- Employee Age Above 70
- 12.5 %
- Employee Age Above 65 To 70
- 16.5 %
- Employee Age Above 60 To 65
- 25 %
- Employee Age Above 55 To 60
- 34 %
- Employee Age 55 And Below
- 37 %
- Salary Threshold
- 750 SGD
- Excess Contribution Refund
- 370 $
- Salary Threshold
- 50 SGD
there will be an increase to the CPF contribution rates from 1 Jan 2027
Contribution rates from 1 January 2026 (monthly wages > $750) Above 70 7.5 5 12.5
Contribution rates from 1 January 2026 (monthly wages > $750) Above 65 to 70 9 7.5 16.5
Contribution rates from 1 January 2026 (monthly wages > $750) Above 60 to 65 12.5 12.5 25
Contribution rates from 1 January 2026 (monthly wages > $750) Above 55 to 60 16 18 34
Contribution rates from 1 January 2026 (monthly wages > $750) By employer (% of wage) By employee (% of wage) Total (% of wage) 55 and below 17 20 37
the following table summarises the current contribution rates for Singaporeans and SPRs (from third year and onwards) with monthly wages above $750
However, you mistakenly declared an OW of $5,000 and resulting in an excess CPF contribution of $370.
Source: CPF Board — Tax - Declaring Accurate Wage Information
you’re required to pay CPF contributions for employees who are Singapore Citizens or Singapore Permanent Residents earning total wages of more than $50 per month.
Source: CPF Board — Tax - Who Should Receive CPF Contributions
Employee's Salary
- Pro Rated Wages
- 5000 $
Your employee’s salary stated in the employment contract is $5,000 per month.
Source: CPF Board — Tax - Declaring Accurate Wage Information
Cpf Board
- Maximum Jail Time
- 6 months
- Maximum Fine
- 5000 SGD
If convicted, a first offender may be fined up to $5,000 or jailed for up to 6 months, or both.
Source: CPF Board — Tax - Declaring Accurate Wage Information
If convicted, a first offender may be fined up to $5,000 or jailed for up to 6 months, or both.
Source: CPF Board — Tax - Declaring Accurate Wage Information
Additional Wages
- Ceiling
- 102000 SGD
The Additional Wage ceiling is computed as follows. $102,000 - Total Ordinary Wage subject to CPF for the year.
Source: CPF Board — Tax - What Payments Attract CPF Contributions
Ordinary Wages
- Ceiling
- 8000 SGD
The Ordinary Wage (OW) ceiling limits the amount of OW that attract CPF contributions in a calendar month for all employees.
Source: CPF Board — Tax - What Payments Attract CPF Contributions
Direct Debit Authorisation (dda) Form
- File Size
- 0.32 MB
complete the Direct Debit Authorisation (DDA) form (PDF, 0.32MB)
Source: CPF Board — Healthcare - Medisave and MediShield Life Reimbursements
Medisave/medishield Life Reimbursements
- Processing Time
- 4 to 6 weeks
This usually takes four to six weeks.
Source: CPF Board — Healthcare - Medisave and MediShield Life Reimbursements
Deferment Revocation
- Revocation Period
- 14 days
The member has a right to revoke the deferment granted within 14 days of receiving the CPF Board's notification.
Deferment Notification
- Notification Period Before Repayment
- 3 months
the student will be notified by post on the commencement date for repayment, 3 months before the deferment period expires.
Deferment For Currently Unemployed
- Maximum Deferment Period
- 1 year
Currently unemployed 1 year
Deferment For Studying Full-time
- Maximum Deferment Period
- 3 years
Studying Full-Time Period of the course of study, subject to a maximum of 3 years
Deferment For Serving National Service
- Maximum Deferment Period
- 3 months
Serving National Service Up to 3 months after ORD date
Cpf Education Loan Scheme
- Interest Accrual
- monthly
- Maximum Repayment Period
- 12 years
- Repayment Start Time
- 1 year
Interest will continue to accrue monthly and be compounded annually at the prevailing CPF interest rate until the loan is fully repaid.
The maximum repayment period is 12 years.
a student is required to repay the CPF savings withdrawn including the interest that would have been accrued if the withdrawal has not been made, 1 year after the graduation date or date of leaving institution, whichever is earlier.
Medisave Account
- Voluntary Top Up Deadline
- last day of the calendar year
- Tax Relief Eligibility Income Limit
- 8,000 SGD
- Tax Relief Limit For Others Top Up
- 8,000 SGD
- Tax Relief Limit Self Top Up
- 8,000 SGD
Voluntary top-ups must be made by the last day of the calendar year to be considered for tax relief in the same year.
the spouse/sibling must not have an annual income exceeding $8,000 in the year preceding the year of top-up
You can enjoy an additional tax relief of up to $8,000 per calendar year for cash top-ups to your spouse, parents, parents-in-law, grandparents, grandparents-in-law and siblings’ MA and/or SA/RA.
You can enjoy tax relief of up to $8,000 per calendar year for cash top-ups to your MA and/or Special/Retirement Account (SA/RA).
Matched Medisave Scheme (mmss)
- Matching Grant Eligibility Start Date
- 1 January 2026
- Annual Cap
- 1,000 SGD
From 1 January 2026, for MMSS-eligible members, the first $1,000 per year of cash top-ups to MA received from self and loved ones will attract the MMSS matching grant.
for every $1 of cash top-up received by your MA in the year, the Government will match it up to an annual cap of $1,000.
Education Loan Repayment
- Maximum Repayment Period
- 12 years
- Repayment Start Time
- 1 year years
- Minimum Monthly Instalment Rate
- $100
The moneys withdrawn under the Education Loan Scheme and its accrued interest must be fully repaid over a maximum period of 12 years.
Repayment will commence one year after the student has completed his course of study; or one year from the date the student leaves the institution if he did not complete his course of study, whichever is applicable.
The proposed new rate for any course of study should be minimally $100 or such higher amount as CPF Board may determine.
Hdb Mortgage Rate
- Concessionary Interest Rate
- 0.1 %
- Interest Rate
- 2.6 %
- Interest Rate
- 2.6 %
the concessionary interest rate for HDB mortgage loans, which is pegged at 0.1% above the OA interest rate
HDB mortgage rate from 1 April 2019 to 30 June 2019 Remains unchanged at 2.6% per annum
HDB mortgage rate from 1 July 2019 to 30 September 2019 Remains unchanged at 2.6% per annum
Cpf Members Aged 55 And Above
- Maximum Interest Rate
- 6 %
- Additional Interest
- 1 %
- Maximum Interest Rate
- 6 %
- Additional Interest
- 1 %
As a result, CPF members aged 55 and above will earn up to 6% interest per year on their retirement balances.
CPF members aged 55 and above will earn an additional 1% extra interest on the first $30,000 of their combined balances
As a result, CPF members aged 55 and above will earn up to 6% interest per year on their retirement balances.
CPF members aged 55 and above will earn an additional 1% extra interest on the first $30,000 of their combined balances
Cpf Retirement Account
- Interest Rate
- 4 %
- Interest Rate
- 4 %
The RA interest rate will be maintained at 4% per annum from 1 January 2019 to 31 December 2019
The RA interest rate will be maintained at 4% per annum from 1 January 2019 to 31 December 2019
Cpf Special And Medisave Accounts
- Interest Rate
- 4 %
- Interest Rate
- 4 %
The SMA interest rate will be maintained at 4% per annum from 1 April 2019 to 30 June 2019
The SMA interest rate will be maintained at 4% per annum from 1 July 2019 to 30 September 2019
Cpf Ordinary Account
- Interest Rate
- 2.5 %
- Interest Rate
- 2.5 %
The OA interest rate will be maintained at 2.5% per annum from 1 April 2019 to 30 June 2019
The OA interest rate will be maintained at 2.5% per annum from 1 July 2019 to 30 September 2019
Home Purchase Planner
- Age Limit
- 21 years
This planner is only applicable to members aged 21 and above.
Housing Loan
- Minimum Interest Rate
- 4 %
The minimum rate set by MAS is 4%.
Housing Grant
- Maximum Amount
- 230,000 SGD
Housing grants of up to $230,000 are only applicable if you are purchasing a HDB flat.
Data last updated: 7 Aug 2026
Topics Covered
CPF Board
Housing - HDB for Singles · Housing - Cumulative CPF Savings Withdrawn for Housing · Healthcare - Healthcare Planning · Healthcare - Healthcare in Singapore · Housing - Home Purchase Budgeting · Policy - Changes to CPF in 2024 and Beyond · Housing - Considerations When Using CPF to Buy Property · Healthcare - Applying to Use Your Healthcare Plans · Healthcare - Healthcare Financial Planning · Tax - Declaring Accurate Wage Information · Housing - Buying Your First Home · Insurance - Integrated Shield Plan · Insurance - Health Insurance Planning · Housing - Enhanced CPF Housing Grant · Healthcare - MediShield Life Premiums and Subsidies · Housing - Essential Budgeting Tips for Your BTO · Insurance - Health Insurance Overpayment · Tax - New CPF Contribution Rates for Senior Workers · Healthcare - Basic Healthcare Sum · Banking - Workfare Income Supplement · Banking - HDB Mortgage Rate · Housing - Apply to Use CPF for Your Property · Healthcare - Medisave Claims · Healthcare - CareShield Life Premiums · Banking - On Leaving Singapore · Healthcare - Health Declaration by Permanent Resident · Healthcare - Health Insurance Planning · Housing - HDB Loan vs Bank Loan · Housing - Selling Your Home · Work Permit - Workfare Program · Healthcare - Healthcare Hub · Tax - CPF Amendment Bill Highlights 2021 · Housing - CPF Withdrawals for Housing · Healthcare - Getting Supplementary Coverage · Tax - Planning with CPF · Tax - CPF Clarifications · Insurance - Dependants Protection Scheme · Tax - CPF Policy FAQ · Healthcare - Healthcare Insurance Claims · Healthcare - Medisave Care for Long-Term Care Needs · Housing - First-Time Resale Flat Buyers · News - CPF Policy Announcements · Healthcare - Using Medisave for Hospitalisation · Tax - Employer Obligations · Tax - How Much CPF Contributions to Pay · Healthcare - Healthcare Statistics · Housing - Home Purchase Planner · Housing - Using CPF to Buy a Home · Education - Education Loan Repayment · Insurance - Home Insurance · Tax - Who Should Receive CPF Contributions · Healthcare - Integrated Shield Plan · Housing - Home Financing · Healthcare - Basic Healthcare Sum · Banking - Matched Retirement Savings Scheme · Education - Education Loan Repayment · Work Permit - Government Support for Platform Workers · Housing - Home Purchase Flexibility · Healthcare - MediShield Life Review · Healthcare - CPF and Healthcare Needs · Banking - Withdrawal of Savings Above BRS · Healthcare - MediShield Life Payouts · Banking - Withdrawal of Savings Above BRS via PayNow · News - New Contribution Rates · Healthcare - Medisave Savings · Housing - Housing Planning Resources · Housing - HDB Flat Eligibility · Insurance - Home Protection Insurance · Banking - Transfer to Retirement Account · Healthcare - MediShield Life · Healthcare - Healthcare Financing · Banking - Online CPF Withdrawals · Healthcare - Medisave Interest Rate · Banking - Reverse Mortgage Product · Housing - Home Protection Scheme · Housing - Budgeting for First Home · Housing - Housing Heartland · Healthcare - MediShield Life Premium Discounts · Tax - CPF Contributions for Part-Time Employees · Healthcare - MediShield Life · Healthcare - MediShield Life Proration · CPF for foreign employees · Withdrawing CPF when leaving Singapore · Insurance - Protecting Dependants · Banking - HDB Mortgage Rate · Housing - Home Purchase · Tax - Income Tax Planning · Housing - CPF for Housing from Age 55 · Housing - CPF Housing Usage · Insurance - Home Protection Scheme Participation · Housing - Protecting Against Losing Your Home · Healthcare - Supplementary Coverage · Education - Education Overview · Healthcare - Healthcare Financing · Healthcare - Using Your Medisave Savings · Healthcare - CareShield Life Premiums · Tax - What Payments Attract CPF Contributions · Housing - Property Purchase Guidelines · Healthcare - Getting Reimbursed for Medical Expenses · Healthcare - Medisave and MediShield Life Reimbursements · Healthcare - Healthcare Financing · Tax - CPF Changes Announced · News - CPF Related Announcements · Healthcare - Healthcare in Singapore Updates · Healthcare - MediShield Life · Healthcare - Health Insurance Planner · Healthcare - Healthcare Overview · Healthcare - Medisave Account Top-Up · Housing - Home Financing · Healthcare - MediShield Life Premiums · Healthcare - Health Coverage · Tax - Workfare Income Supplement · Housing - Home Buying Guide for Members Below 55 · Tax - CPF Amendment Bill Highlights 2023 · Healthcare - Using Medisave for Outpatient Treatments · Healthcare - Healthcare Payments and Claims History · Work Permit - Workfare Support · Tax - CPF Changes in 2025 · Housing - Home Ownership Planning · Housing - Housing Planning Checklist · Housing - Considerations for Seniors · Healthcare - Detailed Notes for Health Insurance Planner · Insurance - Health Insurance Declaration · Housing - CPF Refund When Selling or Transferring Property · Healthcare - Basic Healthcare Sum · Housing - Retirement Housing Options · Tax - CPF Top-Up and Tax Reliefs · Housing - HDB Option Fee and Expenses · Insurance - Home Protection Insurance · Housing - Managing Housing Loans · Housing - Exemption from Home Protection Scheme · Healthcare - MediShield Life · Work Permit - Platform Worker Opt-In Status Checker · Healthcare - Basic Healthcare Sum · Healthcare - CareShield Life · Healthcare - Long-Term Care Premiums · Housing - Home Purchase Planning · Education - Educational Resources · Housing - CPF Housing Refund · Healthcare - Health Insurance · Housing - Budgeting for House and Renovations · Housing - Withdrawal of CPF Savings for Property Owners · Housing - Home Purchase Planner · Work Permit - Platform Workers CPF Transition Support · Healthcare - MediShield Life Premiums · Healthcare - Medisave Uses · Healthcare - Health Insurance Costs · Housing - Use of CPF Under Housing Scheme · Policy - News Releases · Insurance - CareShield Life · Housing - Buying Your First Home · Insurance - Home Protection Scheme Claims · Education - Education Loan Repayment · Banking - Registering a Bank Account · Housing - Retain $20,000 in Your OA if You Are Taking a Housing Loan · Healthcare - MediShield Life Premiums · Healthcare - ElderShield Premiums · Healthcare - Healthcare Services · Healthcare - CareShield Life · Healthcare - CareShield Premiums and Subsidies · Healthcare - Basic Healthcare Sum · Healthcare - Managing Healthcare Costs · Housing - Home Buying Guide · Healthcare - Healthcare Insurance Coverage · Banking - Changes to CPF in 2023 · Housing - Home Buying Guide for Members Above 55 · Healthcare - What MediShield Life Covers You For · Retirement - Withdrawing for Property Owners · Tax - CPF Changes Announced in Budget and COS 2025 · Housing - Home Ownership · Housing - CPF Savings for Home Purchase · Housing - Home Ownership · CPF for employees · Housing - Home Protection Scheme · Healthcare - Basic Healthcare Sum · Healthcare - Medisave Account Top-Up · Healthcare - ElderShield · Healthcare - Staying Covered for Healthcare Expenses · Housing - Claiming Under the Home Protection Scheme · Residency - Closure of CPF Accounts for Non-Singapore Citizens and Non-Permanent Residents · Housing - Home Ownership Statistics
HDB
Housing - Market Rental Rates · Housing - Application for a Renovation Permit · Housing - Important Information on Renovations · Housing - HDB Resale Flat Assistance · Housing - General Resale Information · Housing - Resale Application Submission · Housing - HFE Letter Application Process · Housing - Renting Out a Flat · Buying an HDB flat (PR) · Housing - Renting a Flat · Housing - Buyers Declaration · Housing - Change of Tenant Under Public Rental Scheme · Housing - e-Resale Get Help · Housing - Eligibility for Buying a Flat · Housing - Financial Guide for Buying a Flat · Housing - Resale Completion Process · Housing - Public Rental Scheme Eligibility · Housing - Intent to Sell · Housing - Renovation · Housing - Selling a Flat · Housing - Buying a Flat · Housing - Change of Tenant Under Public Rental Scheme · Housing - Living in an HDB Flat · Housing - Renting Out a Flat/Bedroom · Housing - Parenthood Provisional Housing Scheme Application · Housing - Public Rental Scheme · Housing - Rental Records · Housing - Approval Conversion · Housing - Prepare for Flat Booking · Housing - Selling a Flat · Housing - Payment for Sellers · Housing - Guide for Estate Agents Renting a Flat · Housing - Resale Procedures · Tax - GST Refund 2024 · Housing - Buying Procedure for New Flats · Housing - HDB Flat Purchase · Housing - Resale Completion for Sellers · Housing - HFE Letter Application Outcome · Housing - Resale Application Process · Housing - Resale Application Acceptance · HDB flat & grant eligibility · Housing - Top-Up Grant · Housing - Singles Grant for Parents · Housing - Working Out Your Flat Budget · Housing - Rental Management · Housing - Proximity Housing Grant · Housing - Resale Flat Prices · Housing - Flat Booking Appointment · Housing - Resale Flat Purchase · HDB rental regulations · Housing - Resale FAQ · Housing - Important Notes · Housing - Notice of Alteration · Housing - Sign Agreement for Lease · Housing - Endorsing Selling Documents · Housing - Home-Based Business Scheme · Housing - Public Rental Scheme · Housing - Check Housing Monetisation Options · Banking - HDB Housing Loan · Housing - Flat Valuation Request · Housing - Resale Approval Process · Housing - Public Rental Scheme Eligibility · Housing - Eligibility and Housing Loan Options · Housing - Renovation Guidelines · Housing - Payment Process · Tax - Goods and Services Tax Refund · Housing - Buying a New Flat · Housing - Endorsing Resale Documents · Housing - Flat Inspection · Housing - Sales Launch Application · Finances - Financial Assistance Measures · Housing - HDB Rental Eligibility · Housing - Public Rental Scheme · Housing - HFE Letter Submission · Housing - Public Rental Scheme Eligibility · Housing - Manner of Holding HDB Flat · Housing - Guide for Estate Agents Buying a Flat · Renting an HDB flat · Housing - Committee of Supply 2025
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I answer questions using 9 official government sources for India in Singapore.
Official sources for India in Singapore