Written answer by Ministry of National Development on differentiating validity periods of HDB Flat Eligibility (HFE) system and enhancing HFE letter with personalised information and resources

Nov 4, 2025

Question 485. Mr Zhulkarnain Abdul Rahim: To ask the Minister for National Development whether HDB can consider introducing differentiated validity periods of HDB Flat Eligibility (HFE) or grant recalibration mechanisms, to better accommodate young couples with changing incomes, lower-income households or changing market conditions.

Question 487. Mr Zhulkarnain Abdul Rahim: To ask the Minister for National Development whether HDB will consider enhancing the HDB Flat Eligibility (HFE) letter to include personalised calculations using HDB’s affordability tools or simulators based on the demographic and profile of the applicants, to help them better understand the basis of the eligibility assessment and the long-term financial commitments of home ownership, and ensure sustainable mortgage planning.

Answer:

To apply for an HDB flat, flat buyers must first obtain a valid HDB Flat Eligibility (HFE) letter. This letter provides personalised information on their eligibility to buy a new or resale flat as well as the housing grant and HDB loan amount they may qualify for. For example, the HFE letter presents three personalised loan scenarios – prudent, moderate and maximum – to encourage informed decision-making.

2. The HFE letter is valid for nine months, which strikes a balance between providing home buyers with greater convenience, while ensuring currency of eligibility assessments. There are no plans to introduce differentiated validity periods.

3. Buyers can also leverage other planning tools such as HDB’s ‘Calculate Housing Budget’ and ‘Find a Flat’ e-services. Personalised information from the HFE letter can be auto-populated into these e-services, which together provide buyers a holistic understanding and personalised assessment of their housing and financing options.

4. Recognising that some young couples may wish to settle down earlier before both parties have found stable employment, the Deferred Income Assessment scheme allows eligible couples to apply for a new flat first and defer their income assessment for grant and loan until nearer to key collection. 

5. HDB will continue to enhance its services and schemes to meet the diverse needs of flat buyers.