First Home Buyers

Here's the HFE application guide for those who want to buy an HDB flat in Singapore. We break down process to apply for the HDB Flat Eligibility (HFE) letter into 5 simple steps.

HDB flat eligibility has to be fulfilled by those who wish to buy an HDB flat in Singapore. For instance, to qualify for a 3-room BTO flat, your household income cannot exceed $7,000 or $14,000, depending on the project.

Considering HDB BTO application rates before applying for a BTO flat can improve your chances of getting a ballot number. We sort the top 5 most competitive and least competitive HDB towns for BTO flat application from February 2020 to October 2023.

The HDB Staggered Downpayment Scheme allows you to pay your downpayment in two instalments. For example, from the June 2024 sales exercise onwards, those taking an HDB loan or not taking a loan, you can pay 2.5% in cash or using CPF OA at the time of signing the Agreement for Lease and the remaining 17.5% during key collection

Getting an HDB SBF flat is one way to secure an affordably priced home in Singapore. The upcoming Sale of Balance Flats 2025 exercise in February will be the only HDB SBF exercise.

An Option to Purchase (OTP) is an agreement between a buyer and seller, signed by the buyer when they decide to buy the property at the agreed price in Singapore. Read about the procedures for both private property and HDB OTPs.

If you didn't manage to successfully ballot for a BTO flat during the Feb 2025 BTO launch, we're sorry to hear that. But if you really want to live in the same neighbourhoods, here are some options for alternative resale flats in Yishun, Woodlands, Queenstown, and Kallang/Whampoa.

The HDB BTO Feb 2025 launch offers 5,032 BTO flats available across across Kallang/Whampoa, Queenstown, Woodlands, and Yishun. Which Feb 2025 BTO project should you apply for?

"Can PR buy HDB Flat in Singapore?" and "Can PR buy resale HDB flat?" are questions many may wonder. HDB resale flat eligibility and ownership are rights granted to every SPR. But they do come with some restrictions. Find out more.

The Total Debt Servicing Ratio or TDSR in Singapore limits your monthly debt repayments to 55% of your gross monthly income. This includes your home loan (mortgage) and other liabilities like credit card debt and personal loans.