What is the HFE letter?

The HFE letter provides flat buyers with a holistic understanding of their housing and financing options and help them plan their budget before they embark on their home buying journey. It informs flat buyers upfront of their eligibility to purchase a new or resale flat, as well as the amounts of CPF housing grants and HDB housing loan they are eligible for. Second-timers will also be informed on the resale levy/ premium payable for the purchase of another subsidised flat from HDB.

You must have a valid HFE letter when you apply to buy a flat from HDB. To buy a resale flat on the open market, you must have a valid HFE letter before you obtain an Option to Purchase (OTP) from a flat seller, and when you submit your resale application to HDB.

Find out more about the details of the HFE letter.

This information is sourced from HDB.