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Hi,

If you had selected "No Loan" in your HFE application and subsequently decide to take an HDB housing loan, it may not be as straightforward as changing your selection during the flat booking appointment.

Under HDB's current guidelines, your BTO application will be processed based on the HFE letter originally submitted. A new HFE letter does not automatically replace the earlier one.

I would suggest writing directly to HDB through MyRequest@HDB, quoting your HFE reference number and BTO sales registration number, to check whether your loan eligibility can be reassessed without affecting your existing application.

Importantly, do not cancel your existing application before receiving HDB's clarification, as this may affect your flat selection.

Separately, we have recently released an HDB market report covering resale price trends and the market outlook. If you are also exploring resale alternatives or would like to better understand your housing options, feel free to reach out for a copy.

Geryl Lim
 9278 7772  Read More

Hi, I would not cancel your BTO application or flat selection to try to change the financing choice without written guidance from HDB.

HDB’s published HFE application guidance says that if you have already applied for a flat using the HFE letter, you should write through MyRequest@HDB with your HFE reference and sales registration number when changes are needed.

Explain that you selected “No Loan” and now wish to be assessed for an HDB housing loan. Ask HDB to confirm whether they can review your case, whether a fresh HFE is required, and how any change would affect your existing application and appointment.

The general guidance does not establish that an HDB loan can simply be added at flat selection, or that you must automatically restart the whole process. Get HDB’s case-specific instructions first.

Source: HDB, Application for an HDB Flat Eligibility Letter.

Silas Tan | Huttons | TRIBE
Free property guides and calculators: https://tribesg.com Read More