What is the new HDB Flat Eligibility (HFE) letter? HFE vs HLE letter, application process and more

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What is the new HDB Flat Eligibility (HFE) letter? HFE vs HLE letter, application process and more
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Whether you’re buying a Built-To-Order (BTO) flat or a resale flat from HDB, there’s one slightly leh chey thing you’re gonna need to prepare. It’s not a four letter word like ABSD (shudders!), but a three letter one: HFE. HFE stands for HDB Flat Eligibility, and is the most important letter you need to purchase a new BTO flat, new...

Previously, HDB would assess your eligibility to buy a BTO flat at the application stage, but only assess you for housing grants and an HDB housing loan after you get a queue number. And mind you, these assessments were all done via separate applications, each of which you need to dig out a bunch of documents for.

At HFE letter application, which you must do before you can apply for any BTO during a sales exerciseAt HFE letter application, which you can do before you start looking for a resale flat, and must do before you can get an OTP for the flat you want. To apply for the actual HFE letter, you should once again log in to the HDB Flat Portal via Singpass. Fill in and declare the information they ask for, such as your 15-month CPF contribution history and latest Notice of Assessment from IRAS. Don't worry about logging in to your CPF and all though-this is probably going to be a hassle-free process for you with the help of Myinfo via Singpass.

Once HDB has processed your HFE letter, you'll get an SMS notification stating it's ready. You can then log in to HDB Flat Portal to view and download it.As long as you're looking to buy a flat, you need an HFE letter. This applies to:If you've got your heart set on a swanky new flat, apply for the HFE letter before the sales exercise or before you want to book a flat under open booking any time of the year.

If you want to buy a resale flat, you only need the HFE letter when you decide on a flat and want to get an OTP. However, getting your HFE preliminary assessment ahead of looking at flats is a good way for you to gauge what kind of housing is best for your financial situation. And if you do see a flat you really like but haven't submitted your HFE application, you'll have to wait up to 21 days or so to receive your HFE letter .

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