![]() You must have a valid HFE letter before you obtain an Option to Purchase (OTP) from a flat seller, and when you submit your resale application to HDB. You must have a valid HFE letter when you apply for a flat in our sales launches. You must have an HFE letter when you buy a flat: Buying a new flat Plan and apply for the HFE letter early before you buy a flat. Guide to HFE letter applicationįind out about the application process and important information about the HFE letter below. Read more about the integrated loan application service. Your chosen FIs will liaise with you directly on the outcome(s) of your IPA application and you will be able to confirm the FIs’ loan offer through the HDB Flat Portal after securing a flat. ![]() The IPA will provide you with the FI’s indicative loan assessment. You can request an In-Principle Approval (IPA) from the participating financial institutions (FIs) concurrently when you apply for an HFE letter. If you are a second-timer, it will also provide information on the resale levy/ premium that you will have to pay if you purchase another subsidised flat from HDB. Read more on how to apply for an HFE letter. The HFE letter will provide you with a holistic understanding of your housing and financing options and help you plan your flat budget before you embark on your home buying journey. Log in to the HDB Flat Portal using your Singpass to apply for an HFE letter.
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