When do I need to have an HFE letter?
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.
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.
This information is sourced from HDB
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