5 Answers

Hi, yes you can apply HFE first if you are planning to apply within the validity period. It is also encouraged to do the application early if you have plans so that when you want to apply for BTO, a HFE is ready and not stopping you from applying.
Hi, hopefully you managed to get your doubt or query answered. If, so then congrats! Hopefully you are doing well now.

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Hi, appreciate your sharing. Yes you can, as long as you are married couple or single above age 35 or married PR couple pass 3 years.
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Yes, you can definitely apply for an HDB Flat Eligibility (HFE) letter even if you don't plan to apply for a BTO flat immediately. Here's why:

* **Planning Advantage:** Having an HFE letter gives you a clear picture of your eligibility to buy an HDB flat based on current policies. It considers factors like your income, citizenship, and existing property ownership.
* **Validity Period:** While the HFE letter is valid for only 9 months, it provides a good starting point for your planning. You can re-apply for a new HLE letter closer to your actual BTO application date.

**Here are some additional points to consider:**

* **Policy Changes:** HDB policies can change occasionally. An HFE letter reflects the eligibility criteria at the time of issuance. Be prepared to check for updates closer to your actual BTO application.
* **Application Process:** Applying for an HFE letter is a simple online process. You can find details and apply through the HDB e-Services portal: [https://www.hdb.gov.sg/](https://www.hdb.gov.sg/)

**Overall, applying for an HFE letter now is a proactive step to understand your eligibility for future BTO applications.** It allows you to plan accordingly and avoid any surprises later.
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Hi Lay Kheng,

You will need to have a valid HFE prior to applying for BTO, but you need not necessary apply for BTO when you have the HFE since you may not be aware what are the BTO exercises available.

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Hi Lay Kheng,

1) You may apply for the HFE to understand your available loan amount based on your current income.
2) This will prepare you when you decide to apply for the BTO when the location released suits your needs.
3) You will have to reapply for a valid approved HFE when the current HFE expires before the new BTO is released.

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

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