When applying for an HDB flat, HDB considers the combined income of both applicants if you are applying as a couple. This means that your boyfriend's income, including any CPF contributions from his part-time job, will be taken into account alongside your own income. However, there are some important points to consider:
1. **Stable Employment:** While your boyfriend's income as a full-time student and part-time worker may be considered, HDB typically looks for stable employment and income sources. Your boyfriend's part-time job and CPF contributions may contribute positively to your combined income assessment.
2. **Income Documentation:** Ensure that you have all the necessary documentation to prove your boyfriend's income, such as CPF statements and employment letters if applicable.
3. **Financial Commitments:** HDB will also assess your combined financial commitments, including any existing loans or debts, to determine your eligibility for a housing loan.
4. **Other Considerations:** Keep in mind that factors such as credit history, age, and relationship status also play a role in the HDB application process.
It's advisable to consult with HDB consultant for personalized advice based on your specific situation. They can provide guidance on the eligibility criteria and documentation requirements for your joint application.
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