If you do not have a valid HFE letter, you can still use the financial calculators to work out your budget by keying in on your own the estimated CPF housing grants. You can still receive housing loan estimates from HDB and the participating FIs.

However, having an HFE letter will provide more certainty in your use of the financial calculators. You can then login to the HDB Flat Portal using Singpass. Upon logging in, the details of your eligibility for new and resale flat purchase, CPF housing grants and HDB housing loan in your HFE letter will be automatically populated into the financial calculators, to help you work out your budget and finances.

This information is sourced from HDB.