Provide accurate information when completing Steps 1 and 2 Please visit the Singpass website if you need to register for a Singpass account. Here is an overview of the HFE letter application process.Īdditional information Have valid Singpass accountĪll applicants and required occupiers must have a valid Singpass account when applying for the HFE letter. Eligible first-timer couples who are full-time students or National Servicemen, or have completed their studies or National Service in the last 12 months before their flat application may qualify to defer the income assessment for an HDB housing loan and the Enhanced CPF Housing Gran t till about 3 months before keys collection. This is on the condition that they have not used the earlier HFE letter to apply for a new flat or obtain an OTP from a resale flat seller. Applicants must submit a fresh application for an HFE letter if they wish to make any changes (e.g.If you have a valid Intent to Buy (ITB) and a valid HDB Loan Eligibility (HLE) letter for an HDB housing loan, you may proceed to obtain an OTP from the flat seller and submit your resale application without an HFE letter. If you are shortlisted to book a flat, you must have a valid HFE letter before you book a flat. Plan and apply for the HFE letter early before you buy a flat.įor flat applications submitted for the May 2023 sales launch: Guide to HFE letter applicationįind out about the application process and important information about the HFE letter below. Read more about the integrated loan application service. Your chosen FIs will liaise with you directly on the outcome(s) of your IPA application and you will be able to confirm the FIs’ loan offer through the HDB Flat Portal after securing a flat. The IPA will provide you with the FI’s indicative loan assessment. You can request an In-Principle Approval (IPA) from the participating financial institutions (FIs) concurrently when you apply for an HFE letter. If you are a second-timer, it will also provide information on the resale levy/ premium that you will have to pay if you purchase another subsidised flat from HDB. Read more on how to apply for an HFE letter. The HFE letter will provide you with a holistic understanding of your housing and financing options and help you plan your flat budget before you embark on your home buying journey. Log in to the HDB Flat Portal using your Singpass to apply for an HFE letter.
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