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The last round I have went through with my buyers were that there is no need for 2 HFEs seperate for resale and BTO. They only need to do it once and have the results for both.

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.

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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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Hi, appreciate your sharing. Kindly login HDB portal and check under HFE and click under HDB resale flat. You should be able to find out the loan attain before add in your current CPF OA + Grants + cash = budget. Able to share with you via zoom or meet up for coffee, on current process.
Looking forward to assist you at 9696 4398  or email me at stewartlim96964398@gmail.com

Cheers
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Hi,

Its not necessary as the HFE letter will state your eligibility to purchase both BTO and Resale. You can login to flat portal to view.

Hope the above clarifies. May I have more info and requirements about your plans so as to make better recommendations? Thanks and look forward to value-add to your housing plans.

Warm Regards,

Ivan Ng Realtor
ERA Senior Marketing Director
ERA Diamond Achiever

SEAA Salesperson Achievement Award 2021 (Gold)
SEAA Singapore Accredited Mortgage Planner (SAMP)

ERA Top 93th Achiever for Full-Year 2020 (Top 1.5% Company Level)
ERA Top 11th Achiever in June 2020 (Top 1% Company Level)
ERA Top 91th Achiever in 2nd Quarter 2020 (Top 2% Company Level)
ERA Top 15th Achiever in April 2019 (Top 1% Company Level)
ERA Top 86th Achiever in Sept 2019 (Top 2% Company Level)

SMU BBM (Finance), Magna Cum Laude
Proactive. Sincerity. Feedback.

Contact: (+65) 97432395 
Whatsapp: wa.me/6597432395
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My Answer with regards to your Question:

If you already have a valid HDB Loan Eligibility (HFE) letter for a Built-To-Order (BTO) application, and you decide to switch to a resale flat, you may still use the existing HFE letter. The HFE letter is generally valid for a certain period, and it can be utilized for either a BTO or a resale flat purchase within that timeframe.

Here are some key points to consider:

HFE Validity Period:

Check the validity period mentioned on your HFE letter. Typically, the HFE letter is valid for six months.

Same Applicant(s):

If there are no changes in the applicants or their financial circumstances, you can usually use the existing HFE for a resale flat without reapplying.

Review Conditions:

Ensure that the conditions stated in the HFE letter align with the requirements for a resale flat purchase. There may be specific conditions or criteria for different types of housing transactions.

Inform HDB:

It's a good practice to inform the Housing and Development Board (HDB) about your change in plans. They can provide guidance and clarify any specific steps you need to take.

Additional Checks:

While the HFE may remain valid, it's advisable to consult with HDB or a mortgage advisor to confirm that there are no additional requirements or changes in policies that could affect your resale flat purchase.

Remember to keep track of the expiration date of your HFE letter and ensure that your resale flat transaction is completed within that timeframe. If your circumstances have changed or if the HFE letter has expired, you may need to reapply for a new HFE.

For the most accurate and up-to-date information specific to your situation, it's recommended to contact HDB directly or consult with a mortgage advisor familiar with the latest HDB policies and procedures.

This platform doesn't 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 Note: 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.

Singapore has hovering over 30000 icensed 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  .

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