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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