HFE, which stands for HDB Flat Eligibility, is a new acronym that you can add to your HDB handbook.
Previously, when you bought an HDB flat, your eligibility to buy, receive an HDB subsidy and apply for an HDB loan was assessed at different stages.
The good news is that you can now expect a simpler process. Until 9 May 2023, you only need to apply for the HDB Flat Eligibility (HFE) letter. With this new procedure, your eligibility in all three areas will be assessed only once.
will also replaceSimilarity for HDB Loans (HLE) Brev, you must book an apartment (up toNew apartment as BTO) or before you get a chance to buy (forresale unit).
What to expect from your HDE letter
The HDB Flat Eligibility (HFE) letter will tell you if you are eligible:
- Purchase of new and/or resale of owner-occupied apartments
- to receiveSupport from the central social welfare fund, including the amount
- severalHDB credit, including the loan amount
and forTwo dimensional, If you are eligible for another subsidized flat, HDB will inform you to pay resale tax at this time.
Here's when you have to pay resale tax.
|first apartment||Another HDB flat||Do I have to pay resale tax?|
|BTO/ SBF/ Open Booking||BTO/ SBF/ Open Booking||I|
|BTO/ SBF/ Open Booking||Sada EK||I|
|Resale of owner-occupied apartments with a subsidy||BTO/ SBF/ Open Booking||I|
|Sada EK||BTO/ SBF/ Open Booking||I|
When to apply for an HDE letter
Since applying for an HDB Flat Eligibility (HFE) letter assesses your eligibility to buy an HDB flat, you need to apply early in your home buying journey.
Here's when to request an HDB HFE letter:
|when to apply|
|New HDB flats (ie BTO, SBF or Open Booking)||SBF sales start or open for bookings before BTO|
Along with these changes there will be transitional solutions.
Transition arrangements for new apartments (eg BTO, SBF or open reservation)
If you applied for an apartment through BTO,Sales Balanced Unit (SBF)or open for booking before 9 May 2023, you do not need to apply for an HFE letter.
If you are nominated for a flat reservation, HDB will invite you to applySimilarity for HDB Loans (HLE) Brevif you want to participateHDB credit.You need this letter to reserve an apartment.
May 2023 BTO and SBF sales event
fromLaunch in May 2023You must then receive a HFE letter. Specifically, you will need to complete a preliminary HFE check to obtain a preliminary HFE assessment (more on this later) before submitting your BTO application.
So, if you want to apply for BTO and SBF for May 2023, you can do so from May 9 before this monthly sales event starts (which may happen soon).
After completing the initial inspection, apply for the HFE letter within 30 days and submit the supporting documents to HDB. You need this HFE letter before you book the apartment.
Sales agreements thereafter (eg BTO August 2023, open booking)
For future sales after the start of BTO and SBF in May 2023, you must apply for a HFE letter before you can apply for a flat.
Transitional solutions for the resale of apartments
You can still register an expression of interest or request an HLE letter between now and May 8, 2023. Since an intent to purchase is valid for one year, an HLE letter is valid for six months.
Whether you need to apply for an HFE letter after 9 May 2023 depends on whether you have a valid letter of intent to purchase and a HLE letter.
HDB flats under S$500,000 for sale
161 Lorong 1 Toa Payoh
Singapore 310161 D12
430 square meters
Ne. 19 Bainan Road
Singapore 370019 D13
649 square meters
358 Clementi Avenue 2
Singapore 120358 D5
990 square meters
319 Woodlands Street 31
Singapore 730319 D25
786 square meters
227 Lorong 8 Toa Payoh
Singapore 310227 D12
882 square meters
4 Haig Road
Singapur 430004 · D15
699 square meters
511 Jurong West Street 52
Singapore 640511 D22
797 square meters
123 Hougang Avenue 1
Singapore 530123 D19
721 square meters
119 Ang Mo Kio Avenue 3
Singapore 560119 · D20
721 square meters
134 Potong Pasir Avenue 3
Singapore 350134 D13
796 square meters
If you have a valid purchase intent
If you already have a valid HLE letter, you do not need to request an HFE letter.
Otherwise, if you are applying for an HDB loan, you must apply before you receive the HFE letterOption to purchase (OTP)from the seller.
|Do you have a valid HLE letter?||I||Yes|
|Next step||Can proceed to get OTP from seller and apply for resale||if you takeHDB credit:Apply for HFE letter before getting OTP from seller and applying for resale|
if you takebank loanor not accept any loan: Can continue to get OTP from seller and apply for resale
(We separate advantages and disadvantagesTaking HDB loans vs. bank loanher. )
If you plan to switch to a bank loan, you must submit an applicationApproval in principle (IPA),From May 9, it is possible to do this within the HDB Flat portal. Provided you register with one of the following banks and financial institutions:
- DBS bank
- OCBC banka
- United Overseas Bank
- may bank
- Hong Leong Finans
- New investment and financing
If you do not have a valid purchase intent
Before you get the OTP from the seller and apply for resale, you need to apply for the HFE letter.
How to apply for an HDE Letter of Eligibility (HFE)
For this there are two steps that you must complete within 30 days of each other.
Step 1: Initial HFE examination
You must sign in firstHDB level portalUse your Singpass. The portal will download personal data from Myinfo. At this point you must also enter information such as your household income and whether you own private property.
(Note that you cannot own private property when buying an apartment. You have toto heal15 months before buying a resold flat or 30 months before buying a new flat from HDB. )
HDB will then provide an immediate initial screening of your eligibility to purchase a flat, receive a CPF grant and apply for an HDB loan.
If you want to go ahead and buy a flat, you will need to proceed to the next step, which is to apply for an HFE letter. You can do this now or later (within 30 days).
Step Two: Apply for the HFE letter
At this stage all applicants iThe occupierA Singpass login to the HDB Flat Portal is required to download personal information from Myinfo and complete the application form.
This means that if you sign up3 generation tabletindeMay 2023. Bedok BTO(You must list at least one parent who is from Singapore or PR as the required resident) You must also have your parents log in to Singpass to complete the application form.
At this point you may need to upload supporting documents.
HDB notifies you of eligibility for new or resale flats, CPF amount and HDB housing loan within 21 working days.
You will be notified by SMS when it is ready. Like the old HLE letter, the HFE letter is valid for six months.
The HDB HFE letter looks like this:
HDB expects longer processing times for HFE letters during sales launch months (ie February, May, August and November for BTO).Therefore, it may be a good idea to apply for an HFE letter as soon as possible if you intend to buy a BTO flat after the location details have been released.
Are you planning to sell your apartment? Let us help you get the right priceIt connects you with top real estate agents.
If you find this article useful, 99.co recommendsBalanced Flat Sales 2023, what you need to know about HDB Balanced Flat Sales 2023 (SBF)i14 affordable residential units within 1km of Singapore's best primary schools.
Log in to the HDB Flat Portal using your Singpass 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.What is the difference between HFE and HLE? ›
The HFE letter is far more streamlined and comprehensive than the HLE letter. It asks for all the information needed to assess you upfront, and also gives you your flat purchase, grants and loan eligibility information upfront. No joke, this is pretty revolutionary.How do I apply for intent to buy HDB? ›
- Step 1 and 2: Obtain an HDB Flat Eligibility (HFE) Letter. ...
- Step 3: Search for a suitable flat and obtain an Option to Purchase (OTP) from flat seller. ...
- Step 4: Confirm mode of financing. ...
- Step 5: Submit Request for Value. ...
- Step 6: Convert In-Principle Approval (IPA) into a Letter of Offer (LO)
From 9 May 2023, HDB will introduce a new HDB Flat Eligibility (HFE) letter to provide flat buyers with a holistic understanding and assessment of their housing and financing options before they commence their home buying journey.How do you confirm diagnosis of HFE? ›
Doctors usually order blood tests to check for the gene mutations link that cause hemochromatosis. Finding two copies of the HFE link gene with the C282Y mutation confirms the diagnosis of primary hemochromatosis. Doctors usually order blood tests to check for the gene mutations that cause hemochromatosis.Can I claim disability allowance for hemochromatosis? ›
Hemochromatosis is listed in the Social Security Administration's (SSA) Blue Book (the impairment listing manual) as one of the conditions that may potentially qualify a claimant for Social Security Disability Insurance or Supplemental Security Income.What does HFE positive mean? ›
Mutations (C282Y or H63D) are found in the HFE gene test. Abnormal results are called positive. An abnormal test result does not mean that you have hemochromatosis or that you will have hemochromatosis. It means that you have a mutation in the HFE gene.What is HFE used for? ›
hFE is an abbreviation, and it stands for "Hybrid parameter forward current gain, common emitter", and is a measure of the DC gain of a junction transistor. So on a multimeter, it indicates a mode where the meter can measure (probably crudely), the HFE of a transistor.Does everyone have the HFE gene? ›
A gene called HFE is most often the cause of hereditary hemochromatosis. You inherit one HFE gene from each of your parents.How long does it take for HDB to process? ›
If the application and documents are in order, we will notify you and the sellers of HDB's acceptance of the application via SMS or email. Thereafter, it will take about 8 weeks to process the application and complete the transaction. This is the earliest possible date to complete the transaction.
Confirmation of resale completion appointment
The resale completion is about 8 weeks after HDB's acceptance of the resale application. We will notify you via SMS on the specific date and time of your resale completion once it is confirmed and post the information on the HDB Flat Portal.
Buyers should register their Intent to Buy at the HDB Resale Portal before they start sourcing for a flat to buy. After registering their Intent to Buy, buyers will receive an instant assessment on their eligibility to buy a resale flat, the CPF Housing Grants and an HDB housing loan.What does hFE stand for in business? ›
Major global operating companies are progressively adopting the human factors engineering (HFE) discipline to ensure quality, safety, and fit-for-purpose equipment and facilities.What does HDB mean in construction? ›
HD/HDB Bolted Holdown - Tropical Construction Supply.What does HDB stand for construction? ›
This Guide is prepared by the Housing and Development Board (HDB) and the Building and Construction Authority (BCA) to help consultants and contractors use Building Information Modelling (BIM) in the design and construction of new public housing developments.How much does the HFE test cost? ›
Hereditary Hemochromatosis DNA Mutation Analysis test cost is between $359.00 and $669.00.How long does it take to get HFE test results? ›
You will receive the results of this test within 4-6 weeks. If the test confirms that you have genetic haemochromatosis, either your GP or a genetic counsellor will contact you to explain the results.How common is HFE? ›
Frequency. Type 1 hemochromatosis is one of the most common genetic disorders in the United States, affecting about 1 million people. It most often affects people of Northern European descent. The other types of hemochromatosis are considered rare and have been studied in only a small number of families worldwide.What should your iron level be if you have hemochromatosis? ›
Hepatic iron concentration in hemochromatosis-affected patients ranges from 5000 to 30000 mcg/g (normal values, 100-2200 mcg/g).Can you have too much iron without having hemochromatosis? ›
The remaining 10–15% of patients with inherited forms of iron overload without pathogenic mutations in the HFE gene come under the definition of non-HFE hemochromatosis . The second most common form of inherited iron metabolism disorder is ferroportin disease.
In addition to therapeutic blood removal, you may further reduce your risk of complications from hemochromatosis if you: Avoid iron supplements and multivitamins containing iron. These can increase your iron levels even more. Avoid vitamin C supplements.How do I know if I am a carrier of hemochromatosis? ›
Hemochromatosis gene (HFE) testing is done to check to see if a person is likely to develop hereditary hemochromatosis. This test checks whether you are a carrier of the defective gene that causes hemochromatosis. HFE testing locates gene mutations that are called C282Y and H63D.What disease is associated with HFE? ›
Hereditary hemochromatosis is most commonly caused by certain variants in the HFE gene. If you inherit two of these variants, one from each parent, you have hereditary hemochromatosis and are at risk for developing high iron levels.What is the most common HFE mutation? ›
The most prevalent disease-causing HFE mutation in the general population is the 845G polymorphism, which causes a p. Cys282Tyr amino acid substitution (C282Y) in the HFE protein.What is HFE measured in? ›
The hfe is the ratio of the Ic/Ib. It's the current gain of the transistor under test for that particular Ib. Probably about 0.1 mA for a multimeter. Hfe is usually in the range of about 10 to 200.Who carries hereditary hemochromatosis? ›
Caucasians of northern European descent are at highest risk. An estimated one million people in the United States have hereditary hemochromatosis. HH causes the body to absorb too much iron. Normally humans extract needed iron from food via the intestines.Do both parents have to have the gene for hemochromatosis? ›
You're only at risk of haemochromatosis if you inherit the faulty HFE gene from both of your parents. If you only inherit the faulty gene from 1 parent, you'll be at risk of passing it on to your children – known as being a "carrier" – but you will not develop haemochromatosis yourself.What disease is too much iron? ›
Haemochromatosis is an inherited condition where iron levels in the body slowly build up over many years. This build-up of iron, known as iron overload, can cause unpleasant symptoms. If it is not treated, this can damage parts of the body such as the liver, joints, pancreas and heart.How do I get approval from HDB? ›
After HDB receives the complete resale application and supporting documents from you and the buyers, we will verify both parties' eligibility and review the documents. If the application and documents are in order, we will notify you and the buyers of HDB's acceptance of the application via SMS or email.How is HDB paid? ›
You can pay your rent via cash/ NETS/ cheque at any HDB Branch. You can also pay the current month's rent via cash and NETS at your Town Council office.
Owners can apply to rent out flat/ bedrooms for a maximum period of 3 years per application if their tenants are all Singaporeans or Malaysians. For application involving non-Malaysian non-citizens, the maximum rental period per approval is 2 years.
Can I submit more than 1 application? No. You can only submit 1 application for 1 town and 1 flat type in a sales launch. If there is a concurrent SBF exercise, you can only submit an application for either the BTO or SBF exercise.What to do before HDB completion? ›
- Pay the service and conservancy charges up to the day of completion and get a confirmation from the Town Council.
- Pay the property tax up to the end of the year.
Like second-timers, resale levies apply for third timers, but the amounts are pro-rated based on the shorter lease of the flat, depending on various factors. Regardless, these two housing types from HDB substantially increases the range of options available to seniors for their housing needs in their golden years.How to buy first HDB? ›
To get a HDB Housing Loan, you will need to apply for a HDB Loan Eligibility Letter. This will give you a gauge on how much you can loan from HDB, and should be obtained before signing the Option to Purchase. To get a Bank Loan, you must obtain an Approval in Principle (AIP).Do you put money down with a letter of intent? ›
Another significant difference between a sales contract and an LOI is a letter of intent is not legally binding and not used to negotiate the terms of the sale. When sending an LOI, the potential buyer doesn't need to provide a deposit or down payment as they would with an offer to buy.How much cash you need to buy resale HDB? ›
You may use your CPF savings to pay for the initial payment. If you are taking a housing loan from a financial institution (FI), at least 5% of the initial payment have to be in cash. You may use your CPF savings to pay for the balance purchase price. The monthly payments will start after the resale completion.What does HJV stand for? ›
In 1949, Harry Jacob Vander Zaag, the namesake of HJV, left his father's potato farm in Holland to seek farming opportunity in Canada.What does Hpct stand for? ›
Higher-Priced Covered Transaction (HPCT)What is the meaning of the BJR? ›
Origin of the Business Judgment Rule
The Business Judgment Rule (BJR) is a corporate law principle that seeks to protect directors and officers from liability for honest mistakes in judgment as long as they act with due care. It is a judicially created doctrine.
HDB MOP is a rule that restricts you from selling or renting out the entire flat during the first five years of moving in. During the MOP, you are also not allowed to buy another private property.What is HDB approval? ›
For inclusion of new proposed tenants, flat owners must obtain HDB's approval before their new tenants may move into the flat. The renewal of an existing rental approval is considered a new application, and will be re-assessed according to the policies and regulations.What is the most common HDB type? ›
If you are purchasing a Build-to-Order (BTO) flat from HDB, you can choose from 2-room Flexi, 3-, 4-, 5-room, to 3Gen flats. One of the most common HDB BTO flat types is the 4-room flat, which offers a comfortable living space for young couples and families. With 3 bedrooms, there is adequate space for rest and play.What is the weight limit for HDB? ›
The maximum allowable weight shall be 600kg.What is the full name of HDB? ›
Housing and Development Board - Wikipedia.What does BTO stand for in housing? ›
Build to order (BTO) is a real estate development scheme enacted by the Housing and Development Board (HDB), a statutory board responsible for Singapore's public housing.Can you donate blood if you are a carrier of hemochromatosis? ›
Red Cross Welcomes Individuals with HH as donors
The Red Cross is thrilled to welcome individuals with hereditary hemochromatosis to donate blood. It is important to note that standard donation intervals still apply to HH donors.
Most insurance providers will accept an application for someone with haemochromatosis to protect their family. You should be able to get cover through the normal insurance companies and premiums should be very reasonable.How do you become a carrier of hemochromatosis? ›
Haemochromatosis is a recessive gene disorder caused by mutations of the haemochromatosis (HFE) gene. To develop a recessive gene disorder a person needs to inherit the gene mutation from both parents. If a person inherits only one mutated HFE gene, they are known as carriers.How often do you need phlebotomy for hemochromatosis? ›
Doctors usually start by having a pint of blood drawn once or twice a week for several months. Doctors will order regular blood tests to check iron and ferritin link levels. Phlebotomy is usually done in blood banks just like routine blood donation link.
Each blood donation, or phlebotomy treatment, removes about 500cc of blood and reduces the amount of iron in the body by about 250 milligrams. Induction is when therapy is initiated. Transition is the phase in which iron reduction is taking place to return iron levels to a normal healthy range.Is my iron high enough to donate blood? ›
To help ensure that it is safe for you to donate, females must have a minimum hemoglobin level of 12.5g/dL and males must have a minimum level of 13.0g/dL. A donor's hemoglobin level cannot be higher than 20.0g/dL to donate.What organ does hemochromatosis damage? ›
Hemochromatosis is a disorder in which extra iron builds up in the body to harmful levels. Without treatment, hemochromatosis can cause iron overload, a buildup of iron that can damage many parts of the body, including your liver, heart, pancreas, endocrine glands, and joints.What is the age expectancy of hemochromatosis? ›
With early diagnosis and treatment, a normal lifespan is possible. If organ damage has already occurred, treatment may prevent further damage and improve life expectancy. However, treatment may not be able to reverse existing damage. If hemochromatosis isn't treated, it can lead to severe organ damage or even death.What end organ damage is hemochromatosis? ›
If left untreated, it can lead to progressive damage of the liver and lead to cirrhosis, hepatocellular carcinoma and other complications associated with iron overload in the tissues and organs.Can you get hemochromatosis from just one parent? ›
You're only at risk of haemochromatosis if you inherit the faulty HFE gene from both of your parents. If you only inherit the faulty gene from 1 parent, you'll be at risk of passing it on to your children – known as being a "carrier" – but you will not develop haemochromatosis yourself.Who is most likely to get hemochromatosis? ›
Hemochromatosis is one of the most common genetic diseases in the United States. It's most common in Caucasians of Northern European descent. The disease is less common in African Americans, Hispanics, Asians, and American Indians. Primary hemochromatosis is more common in men than in women.What foods should you avoid if you have hemochromatosis? ›
- Excess red meat. Red meat, including beef, is a good source of the type of iron that your body can use very easily. ...
- Organ meat and game meats.
- Raw seafood.
- Foods rich in vitamins A and C. ...
- Fortified foods. ...
- Excess alcohol. ...
- Fatigue (feeling tired a lot).
- General weakness.
- Heart flutters or irregular heartbeat.
- “Iron fist,” or pain in the knuckles of the pointer and middle fingers.
- Joint pain.
- Stomach pain.
- Unexplained weight loss.