Asked by Anonymous
Hi all to those that applied HFE recently, can I check which is true?
1) During the HDB Flat Eligibility (HFE) application process, your co-applicant can see the declared financial commitments and debt details. The declared amounts are not hidden or masked from co-applicants. Because HDB calculates your combined household income ceiling, grants, and maximum loan limits together, all income and debt details entered are visible to both parties within the HDB Flat Portal dashboard.
or
2) No, your partner cannot see the specific breakdown of your individual monthly debts or the CBS report details you input. When you declare your financial information or upload documents in the HFE portal, the system hides these details from the other applicant's screen.
What Your Partner SeesA Completion Status:
The portal will only show a status indicator (like a checkmark or a status saying "Completed") confirming that you have filled in your required financial declarations.
The Final Outcome: They will only see the final, combined loan amount that HDB approves for both of you.
What Is Hidden From Your Partner:
Your Monthly Debt Amount: The exact dollar amount of your car loans, credit card balances, or personal loans.
Your Debt Ratio: How your individual debts impact your Total Debt Servicing Ratio (TDSR) or Mortgage Servicing Ratio (MSR).
1) During the HDB Flat Eligibility (HFE) application process, your co-applicant can see the declared financial commitments and debt details. The declared amounts are not hidden or masked from co-applicants. Because HDB calculates your combined household income ceiling, grants, and maximum loan limits together, all income and debt details entered are visible to both parties within the HDB Flat Portal dashboard.
or
2) No, your partner cannot see the specific breakdown of your individual monthly debts or the CBS report details you input. When you declare your financial information or upload documents in the HFE portal, the system hides these details from the other applicant's screen.
What Your Partner SeesA Completion Status:
The portal will only show a status indicator (like a checkmark or a status saying "Completed") confirming that you have filled in your required financial declarations.
The Final Outcome: They will only see the final, combined loan amount that HDB approves for both of you.
What Is Hidden From Your Partner:
Your Monthly Debt Amount: The exact dollar amount of your car loans, credit card balances, or personal loans.
Your Debt Ratio: How your individual debts impact your Total Debt Servicing Ratio (TDSR) or Mortgage Servicing Ratio (MSR).
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