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Hi, appreciate your sharing. Have you been declaring income for the part time job with IRAS ?
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

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

Good day to you,

Income must be declared for loan assessment consideration. Additionally, the duration of employment is crucial for this assessment.

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Mike Lim
 96929209 
R026708F
m52i@yahoo.com
ERA Read More

I would be glad to assist you.
Feel free to contact me at wa.me/6597100155
Hope to hear from you soon.
Pei Mobile: (65) 9 7 1 0 0 1 5 5.
Email: peicheng.tan@propnex.com
Associate Group Director
Propnex Realty Pte Ltd Read More

Yes, as long as it is active income you should do so. For more information, you can actually check with HDB directly if you intend to take up HDB loan for the purchase.

——

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 15,900 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.

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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 
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Hi Sir,

Yes, HDB will take into account all the income that you had declared to IRAS.

I am experienced and well-versed in both HDB and private transactions. I will be able to assist you in your property plans. Please get in touch with me for a more in-depth discussion.

Should you need require further assistance in matters relating to property, please contact me at my mobile +65 97 48 63 05. I will be happy to assess and share with you the possibilities for you in the current market.

Thank you.

Best regards,
Robbie Chen
+65 97 48 63 05
PropNex Realty Read More

1. Declare all forms of active income when applying, as it directly affects your eligibility.
2. If planning to use an HDB loan, consult HDB for accurate loan guidelines and criteria.
3. Your job tenure plays a significant role in the financial evaluation process.

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QUOTE OF THE DAY " In negotiations, the most important thing is not to win or lose, but to find a solution that is mutually beneficial." Read More

A 30-year-old Singapore citizen with a full-time salary of $3,000 and a part-time salary of $1,600 is applying for an HDB loan. His wife is on an LTVP. Will HDB consider both his full-time and part-time incomes for the loan application?

Verified Answer (Summarized and Fact-Checked):

Yes, HDB can consider both full-time and part-time incomes for loan assessment if:

The part-time income is declared to IRAS (i.e., included in your Notice of Assessment).

The income is stable and consistent, usually proven with at least 6 months of payslips and CPF contributions (if applicable).

❗Duration of employment is also important. HDB prefers applicants to be in continuous employment for at least 6 months prior to the loan application.

❗Since the wife is on an LTVP, only the Singapore citizen’s income will be considered unless she holds an LTVP+ and meets specific criteria.

Recommendation: Always check directly with HDB or use the HDB Loan Eligibility (HLE) portal to verify eligibility and acceptable documents:
https://services2.hdb.gov.sg/webapp/BP13AWLE/BP13JELDStart

A 30-year-old Singapore citizen with a full-time salary of $3,000 and a part-time salary of $1,600 is applying for an HDB loan. His wife is on an LTVP. Will HDB consider both his full-time and part-time incomes for the loan application?
Verified Answer (Summarized and Fact-Checked):
* ✅ Yes, HDB can consider both full-time and part-time incomes for loan assessment if:
* The part-time income is declared to IRAS (i.e., included in your Notice of Assessment).
* The income is stable and consistent, usually proven with at least 6 months of payslips and CPF contributions (if applicable).
* ❗Duration of employment is also important. HDB prefers applicants to be in continuous employment for at least 6 months prior to the loan application.
* ❗Since the wife is on an LTVP, only the Singapore citizen’s income will be considered unless she holds an LTVP+ and meets specific criteria.
* Read More

Hi, yes both income can be taken into consideration for the loan.

Hi, hopefully you managed to get your doubt or query answered. If so, then congrats! Hopefully you are doing well now.

If you are currently or planning to find a property agent, I can assist.

If you are interested in prices of houses in your neighbourhood, you may visit this website to find out more or contact me.

https://www.era.com.sg/R064892F

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
97 39 60 40
landonchew@email.com Read More

Hi,

1) Yes, the HDB will take both incomes if both incomes are declared.
2) The HDB properly will request for an IRAS statement to make sure all incomes are legit.
3) However, a part-time salary might recevied a 30% hair-cut. It means that only 70% of the income will be considered to determine the amount of loan, unless this income is fixed and consistent.

All the best!

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
https://www.linkedin.com/in/ckling/ Read More

hi,

Yes HDB will assess based on both income.

I recommend starting with the HFE to determine eligibility, loan amount, grant amount, and other key factors.

This platform does not allow me to contact you directly so kindly contact me at https://wa.me/6597261112 I would be glad to assist you further.

Thank you and best regards,

Jenny Tran
Propnex Realty Pte Ltd
(HP) +65 97261112 
(Email) jenny.tran@propnex.com
BSc (Real Estate) (Hons)-NUS

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