It brings several checks together.
The HDB Flat Eligibility letter informs you of the assessed eligibility to buy a new or resale flat, CPF housing grants and an HDB housing loan. The details apply to the household and circumstances declared in the application.
- Read the conditions as well as the headline grant or loan amount.
- Check that the people and circumstances shown are correct.
- Use the official portal for your application status and letter.
Prepare a consistent household application.
HDB may need information and documents from the people in your application. Follow the current instructions rather than relying on an old document list. If your circumstances change, check what must be updated before continuing.
- Allow time for requested information and clarifications.
- Check the validity and application requirements for your intended launch.
- Keep an accessible copy of the outcome and conditions.
Eligible and comfortable are different questions.
A maximum assessed loan is a ceiling, not a monthly budget you have to use. Consider income changes, recurring commitments, future family expenses, renovation and retirement savings. Use the calculators to test scenarios, then return to the official assessment for what you can actually borrow.
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