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Hi Vinod,

If the salary scale is significantly change, they may require resubmission of income proof.

I have been in the real estate business since 2009, with more than 14 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

Over the years, I have also established a network reaching out to more than 9,400 expatriates, bringing my market presence to both in and outside of Singapore. This has created an additional exposure when I manage my client's portfolios, on top of the conventional on and offline platforms, where other estate agents are relying on. This has allowed me to consistently convert leads into results.

With an evolving market, where change is the only constant, I have also been investing in upgrading of my knowledge and skills sets to improve myself and meet the demands of current and future market.

We are offering our clients a complimentary first consultation without obligations (Absolutely FREE!). Schedule for your FREE session today!

Warmest regards,
Geryl Lim
Associate Group Director
Email: geryl.lim@orangetee.com / geryl7772@gmail.com
OrangeTee & Tie Pte Ltd 430 Lorong 6 Toa Payoh #01-01 OrangeTee Building Singapore 319402
Estate Agent Licence No. L3009250K
 +65 92787772 
www.geryllim.com

My self introductory video on https://www.youtube.com/watch?v=S_2NydENfx0

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Tenants can visit http://bit.ly/SGExpatRental (Official Rental Requirements - Singapore Expatriates) to indicate your rental requirements.

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Home of *7772 Hotline
Check out our latest Landed Dynamic Alliance 7772 mobile application on iOS or Android @ http://l.ead.me/7772 Read More

Hi Kumar,

1) The HFE includes the amount of grants and loans you are eligible for.
2) Therefore, incorrect information such as income will lead to a wrong assessment of the disbursement of government subsidies.
3) In other words, this is providing false information to the government officer. Such action may lead to unfavorable consequences.
4) Due to the way the assessment of income is based on a 12-month income. In a normal case, unless there is a significant difference, the impact on the loan and grants will not be very much.
5) Unless your situation is somehow those borderline cases, such as, whether eligible for grants and HDB loans. That will make a big difference.
6) Nevertheless, I would recommend you update the latest information to the HDB using the approved HFE reference number via the feedback channel:
https://services2.hdb.gov.sg/webapp/BF12AWFeedback/BF12SFrontController?service=ServiceFeedback&operation=createFeedback
7) Let the HDB decide whether they should revise the loan and grants accordingly.

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

Hope the above answers your main concerns, but if there are more queries, please feel free to contact me at 90110636  , or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.

Best regards
Ling CK
 90110636 
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer Read More

Hi, appreciate your sharing. Kindly apply first and upload what you have, then once you got your latest pay slips can apply again.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex Read More

hello there!
your question: will HDB re-HFE or reassess and give new grants halfway through?
answer: no. HDB will only assess base on the details you provide on your application. if there are changes to the particulars you gave e.g salary, citizenship, ownership, occupier and applicant status - you need to cancel your original application then apply for a fresh letter.

your question: wife is going to change her job to a higher salary one.
answer: it depends on her new salary - it may change the household income which affects the amount of grants given. It may also allow you to loan a higher amount.

there are many more details which is difficult to cover everything here. feel free to drop me an email at jos.the.realtor@gmail.com or whatsapp at 9748 3248  (josephine) to run through it together. Read More

If there is a significant change in the salary scale, they might need you to submit your income proof again. Read More

My Answer with regards to your Question:

If there are significant changes in your financial circumstances, such as your fiance getting a higher-paying job, it's advisable to inform HDB about these changes. However, whether they will review and change your HFE and offer new grants and loans depends on HDB's policies and procedures. It's best to contact HDB directly to inquire about their process for updating HFE applications midway through. They will be able to provide you with accurate information and guidance on how to proceed.

Whatsapp me at 9856 9255 

I am Sorry that This platform does not allow me to direct contact you.

You can reach me at https://wa.me/6598569255.

I am Happy to Help with No obligations! If you have any more questions or need assistance, FEEL GOOD to let me know. I am here for You! Cheers :)

See my REVIEWS here: (Just need to Copy and Paste the link)

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

Final A,B,C NOTES:

(A): For BUYERS: SOLUTION for sourcing of RESALE and NEW PRIVATE Home such as Condominium or Landed properties. Represent you as BUYER > Currently there will be NO FEES CHARGED TO YOU/ FREE SERVICE. IN ADDITION:

(B)I can connect you with reputable banker for Private housing loan (IPA, In –Principle Approval), free of charge with no obligation.

(C) Finally , for mortgage home insurance matters , i have liasing partner to fulfill your needs as well .

YES , A ONE STOP SOLUTION Especially For You !

Singapore has hovering over 30000 licensed agents for the last 10 years as property agents come and go .And in my opinion, property guru is the most effective marketing platform this season in Singapore

So, what’s the odd / chances that 2 complete strangers get to link together by property guru ?

So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

ABLE Toh-ERA, Singapore Mobile :( +65) 9856 9255  “ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me Read More

My Answer with regards to your Question:

If there are significant changes in your financial circumstances, such as your fiance getting a higher-paying job, it's advisable to inform HDB about these changes. However, whether they will review and change your HFE and offer new grants and loans depends on HDB's policies and procedures. It's best to contact HDB directly to inquire about their process for updating HFE applications midway through. They will be able to provide you with accurate information and guidance on how to proceed.

Whatsapp me at 9856 9255 

I am Sorry that This platform does not allow me to direct contact you.

You can reach me at https://wa.me/6598569255.

I am Happy to Help with No obligations! If you have any more questions or need assistance, FEEL GOOD to let me know. I am here for You! Cheers :)

See my REVIEWS here: (Just need to Copy and Paste the link)

https://www.propertyguru.com.sg/agent/able-s-k-toh-61591

Final A,B,C NOTES:

(A): For BUYERS: SOLUTION for sourcing of RESALE and NEW PRIVATE Home such as Condominium or Landed properties. Represent you as BUYER > Currently there will be NO FEES CHARGED TO YOU/ FREE SERVICE. IN ADDITION:

(B)I can connect you with reputable banker for Private housing loan (IPA, In –Principle Approval), free of charge with no obligation.

(C) Finally , for mortgage home insurance matters , i have liasing partner to fulfill your needs as well .

YES , A ONE STOP SOLUTION Especially For You !

Singapore has hovering over 30000 licensed agents for the last 10 years as property agents come and go .And in my opinion, property guru is the most effective marketing platform this season in Singapore

So, what’s the odd / chances that 2 complete strangers get to link together by property guru ?

So, I believe in Affinity (Chinese word: 缘份） :), let's SEAL this AFFINITY Not by blood but by Technology > Please PM, Private Message your contact so that I CAN BE (EXTRA) PAIR OF HANDS / BRAIN and LEGS to Assist you NOW or FUTURE REAL ESTATE NEEDS!

ABLE Toh-ERA, Singapore Mobile :( +65) 9856 9255  “ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me Read More

The property market has been buzzing with strong new-launch take-up this quarter — signaling renewed confidence and appetite for growth-oriented investments.

If you’ve been exploring what’s next beyond traditional residential plays, don’t miss this special Consumer Seminar: “The Co-Living Investment Story” — where Eugene Lim, CEO & Founder of The Assembly Place, shares how this asset class has evolved, what drives its returns, and why savvy investors are adding co-living projects into their portfolios.

Date: 13 Nov 2025 (Thu)
Time: 7 pm
Venue: ELTA Sales Gallery (Along Prince Charles Crescent)

Seats are limited — RSVP early to secure your spot and gain exclusive insights straight from an industry leader!

To reserve your seat, contact Geryl Lim @ 9278 7772  .

OrangeTee | Landed7772 – Sure Sell! Read More