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Hi, firstly, in order for your income to be considered for HFE, it needs to be more than 12consecutive months of working. Secondly, for HDB you cannot do decoupling and if you plan to purchase an EC, you will have to give up your HDB.

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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Landon Chew
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I am assuming that both of you are not legally married? It is very subjective on whether you should wait or not as timing often also holds a key role when it comes to market pricing. Waiting for 6 months later could potentially means prices may increase or decrease significantly 6 months down the road, whether in your favour or not. The key thing here is will submitting the HFE now provide you the necessary numbers required to purchase a desired place since your intention is to have only 1 owner, thus your income will be a factor when it comes to household income for grant eligibility, Only your partner's income will be assessed for loan eligibility. Read More

HFE Application and Employment:

It's generally recommended to apply for HDB Flat Eligibility (HFE) after you start your new job. This is because your employment status and income will be verified based on recent payslips. Applying with no payslip might lead to delays or rejections.
Reasons to Wait:

Stronger Application: Having payslips demonstrates your employment stability and income level, strengthening your HFE application.
Accurate Assessment: HDB can accurately assess your combined income eligibility for the flat based on your and your partner's payslips.
Considerations:

Time Sensitivity: If there's a specific resale flat you're interested in, a short delay might not be an issue. However, if there's high competition, waiting could affect your chances.
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