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Good morning Mei Jin,

It will be best to call in HDB hotline to clarify on this.

Hope my sharing aids in your property needs. Do contact me if you need any assistance.

Best regards,

YT Tan
Property Kaki
You dream. I create. We make it happen!

Association of Chartered Certified Accountants Graduate
Singapore Accredited Mortgage Planner

Contact:
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Hi, is your part time job reported in your income tax reporting? If you wish to include the income into your HFE to get more loan, you can perhaps call into HDB and ask if a summary of your sales transaction with the invoices(such as payments received) will do to prove the income.

If you are currently planning to go on a property journey selling/buying/renting/investing, I can be of assistance. Do feel free to reach out to me for more queries and assistance.

Landon Chew
 97396040 
landonchew@email.com Read More

Hi Mei Jin,

You may furnish your NOA on this or call up HDB to find out how you can go about furnishing these 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
Senior Division Associate 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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Note: We value your home as much as you do! Find out the indicative value of your home at http://bit.ly/UrHomeMatters and get monthly update on your home value. Restructure your portfolio with us, speak to us!

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

Visit and Like my facebook page at https://www.facebook.com/GerylLimSince2009/ - Aspiring To Be The Best Real Estate Agent In Singapore

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

Let me join in the help too > pm me :) > lets talk over the phone ist ,... no obligation :)

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

To further assist you, please feel free to contact me via WhatsApp at 9856 9255  or through this link: https://wa.me/6598569255.

My services come with no obligations, and I'm here to help with any questions or assistance you need.

You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

For buyers, I offer solutions for sourcing resale and new private homes at no charge.

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

I also have partners to assist with mortgage home insurance matters.

Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. 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!

*** You can reach me at my Singapore mobile: +65 9856 9255  or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT ：）

“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

XXXXX The END XXXXXXX Read More

Since you're already in the application process and HDB is requesting payslips for your home-based bakery, here's how you can approach it:

Option 1: Provide Documentation for your Home Bakery Income

Track Records: If you have good records of your income from the bakery, you can present them to HDB instead of a payslip. This could include:

Bank statements showing deposits from bakery sales.
Invoices or receipts issued to customers.
Records of online transactions (if applicable).
Tax filing documents (if you filed taxes for your bakery income).
Explain the Situation: Write a clear explanation to HDB stating your home bakery is a part-time venture and you don't have formal payslips. Attach your income records as evidence.

Option 2: Contact HDB for Guidance

Call the HDB Contact Centre at 6100 1000  and explain your situation.
Ask them if alternative documentation besides payslips would be acceptable as proof of income from your home bakery.
Important Note:

It's generally not advisable to withhold information during an HDB application process. Transparency is key.
Additional Tips:

If your bakery income is minimal and doesn't significantly impact your overall financial picture, you can highlight this to HDB in your explanation.
Emphasize your full-time job with payslips as your primary source of income.
By providing alternative documentation or seeking clarification from HDB, you can hopefully address their request and proceed with your HFE letter application.

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

To further assist you, please feel free to contact me via WhatsApp at 9856 9255  or through this link: https://wa.me/6598569255.

My services come with no obligations, and I'm here to help with any questions or assistance you need.

You can check out my reviews here: https://www.propertyguru.com.sg/agent/able-s-k-toh-61591.

For buyers, I offer solutions for sourcing resale and new private homes at no charge.

I can connect you with reputable bankers for private housing loans free of charge and with no obligation.

I also have partners to assist with mortgage home insurance matters.

Let's seal this affinity by technology; please PM me your contact for assistance with your real estate needs. 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!

*** You can reach me at my Singapore mobile: +65 9856 9255  or email me at Able.selling@gmail.com.

From: ABLE Toh- Your Property ASSISTANT ：）

“ i am ABLE to Help As Much As You are ABLE To PM (Private Message) me ”

XXXXX The END XXXXXXX Read More

Hi Mei Jin,

1) In order for the HDB to recognize your income, this income must be reported to the IRAS.
2) If you didn't do it earlier, then it is difficult for you to do it now. As this income is not registered anywhere.
3) If you have registered a company to run this home-based business, the IRAS would have approached you to submit your income.
4) According to your descriptions, it looks like you did not plan to make it official so I'm afraid that the HDB would not take your word for how much you had made during the past years.
5) Since it is impossible to turn back the clock, I would suggest you not include that income during your HFE application.

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

Hope the above answer 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
https://www.linkedin.com/in/ckling/

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Hi, appreciate your sharing. Able to compile and add onto your IRAS delcaration.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
Stewart-PropNex (Senior Associate Division Director) Read More