Gone are the days of the HDB Loan Eligibility (HLE) letter. The new HFE (HDB Flat Eligibility) letter is now the single most important document you need before you can buy a flat.
What is it?
The HFE letter assesses three things at once:
- Your eligibility to buy an HDB flat (BTO or Resale).
- Your eligibility for CPF Housing Grants.
- Your eligibility for an HDB housing loan.
?? Warning: Valid for 9 Months
Once approved, your HFE letter is valid for 9 months. If you do not buy a flat within this period, you must re-apply.
Once approved, your HFE letter is valid for 9 months. If you do not buy a flat within this period, you must re-apply.
When do I apply?
You must have a valid HFE letter before you:
- Apply for a BTO launch (sales launch).
- Obtain an Option to Purchase (OTP) for a resale flat.
How long does it take?
HDB states it takes about 21 working days. However, during peak BTO launch periods, it can take longer. We recommend applying at least 1 month before you plan to shop for a home.
Apply for HFE on HDB Portal →