What is the New Flat Letter of Eligibility (HFE)? HFE vs HLE letters, application process and more - MoneySmart Blog (2023)

Regardless of whether you buyApartments to order (BTO).orresale unitfrom HDB, with a littleand cutWhat you need to prepare. it's not a four letter wordabsolute value(the horror!) but one of three letters: HFE.

HFE stands forHDB similarity, and the most important letter is required when buying a new BTO apartment, a new owner's apartmentsale of balance units, the new one belowopen reservation, or units for resale. If the acronym HFE sounds unfamiliar, it's probably because the letters HFE are new - they replaceSimilarity for HDB Loans (HLE) BrevMay 9, 2023.

Why did HDB replace the letter HLE with the letter HFE and is it useful for you as a home buyer? What about the new HFE process that is now integrated with the bank loan application? Here's everything you need to know about the new HDB HFE letter - what it is, who needs it, when you need it and how to request a letter.


  1. What are HFE letters?
  2. What is the difference between the new letter HFE and the old letter HLE?
  3. Is the HFE letter better?
  4. How can I request an HFE letter? Preliminary HFE Check, Request for HFE Letter
  5. Wait... can I apply for a bank loan on the HDB Flat Portal now?
  6. When will I receive my HFE letter?
  7. Should I apply for an HFE letter? When should I do it?
  8. Is HFE letter required for May 2023 BTO exercise?
  9. I submitted a single application before submitting the HFE letter. Should I apply for an HFE letter now?

1. What is an HFE letter?

The HFE letter is a comprehensive document that summarizes everything you need to know about meeting the conditions for buying a new/reselling flat, gettinghousing allowance, and takeHDB creditYou submit the application at the beginning of your house-hunting journey, so that you can use the information about grants, loans and accommodation in the letter when choosing an apartment.

The letter HFE is a new and improved version of the letter HLE whichOfficially replaced on May 9, 2023.While HLE only assesses your eligibility for HDB housing loans, HFE looks at your eligibility for flats, grants and loans. Take a look at this sample HFE letter to see what it covers:

What is the New Flat Letter of Eligibility (HFE)? HFE vs HLE letters, application process and more - MoneySmart Blog (1)

Apart from containing important information about your eligibility for grants and loans, the HFE letter is important if you are applying for a BTO flat or getting an Option to Purchase (OTP) for a resale flat during a sale event.

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2. What is the difference between the new letter HFE and the old letter HLE?

Here's a quick overview of the similarities and differences between the new HFE and its predecessor, the HLE:

New HDB Letter of Eligibility (HFE).Similarity for HDB Loans (HLE) Brev
What information does it contain?
  • aircraft type: What types of new owner-occupied or resale apartments are you eligible to buy?
  • data: amount of housing benefit to which you are entitled, inclCentral insurance fund Housing support,Improved housing benefit from the insurance fund, iSubsidy for housing in the neighborhood
  • loan: You meet the conditions for participationHDB credit, including the loan amount and repayment period
  • loan: You meet the conditions for participationHDB credit, including the loan amount and repayment period
When did you sign up?Before you start buying an apartment, before you submit an application to buy an apartment.
  • buyers of new houses: Apply for HFE before the online BTO sales event.
  • Buyers resale apartments: Apply before you get an Option to Purchase (OTP) from a resale home seller.
  • buyers of new housesIt used to be necessary to apply to HLE after getting a waiting number before going to HDB to book a flat.
  • Buyers resale apartments: Same as new process.
What will you use it for?
  • buyers of new houses: Apply for a BTO flat during the sales event.
  • Buyers resale apartments: Get OTP and submit resale application to HDB.
  • buyers of new houses: Book a BTO flat after online application and successful voting during the sales event.
  • Buyers resale apartments: Same as new process.
Is it integrated with the process of obtaining in-principle approval for a bank loan?When you apply for the HFE letter, you can apply for the IPA on the HDB Flat portal itself.
You can also check the loan offer on the HDB Flat Portal once you have secured your flat and obtained an IPA.
Applying for a bank loan is a completely separate process from applying for a HLE letter. You must contact your bank directly.
How long is this letter valid for?6 months from the date of issue
What is the period of the income statement?12 months, which ends 2 months before the month of your HFE letter request. So if you apply for the HFE letter in May 2023, the assessment period will be from April 2022 to March 2023.

Ako imateMonthly HFP contributions and fixed salary: The last 3 months of salary payments + records of contributions to the fund for 15 months.
If youNo monthly CPF contributions: Salary confirmation for the last 6 months + bank statement for the last 6 months

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3. Is the HFE letter better?

really. The best thing about the new HFE font is that itSimplify the entire appraisal process for buying a homeIn this way, it tells you which apartments, loans and subsidies you are entitled to even before you start looking for an apartment. Finally, it's time to get up to speed!

We know HFE has replaced HLE, but it's an understatement to say that's all it does. The new HFE does not only affect the old letter – it facilitates the entire process of looking for an apartment and assessing housing allowances and housing loans. This is what the old process looked like:

The old HLE process - when you are assessed as eligible for:
buy real estatehousing allowanceHDB credit
BTO HDB buyersIn flat applicationTotal reservationRegistration by letter HLE (before booking the apartment)
Buyers resale apartmentsIn flat applicationIn flat applicationUpon request for HLE letter (before opportunity to purchase)

Previously, HDB would have assessed your eligibility to buyBTO tabletAt the application stage, but only after you have received an assessment line number for housing allowances and HDB loans. Keep in mind that all of these assessments are performed through separate applications, and you'll have to dig through a ton of documentation for each one. toresale unit, HDB will assess your flat purchase and housing subsidy at the HDB application stage and then allow you to submit several documents to assess your loan eligibility before you receive the OTP.

All this means a clumsy process that creates some uncertainty for homebuyers as to how much grant/loan you can get, especially if you plan to buy a BTO condominium. For buyers of BTO flats, when you apply for a flat according to the old procedure, you will not know how much housing benefit you can get. You will never know how much HDB housing loan you can apply for. How to choose an apartment without actually knowing your housing budget?

Enter the HFE letter, which tells you in advance which flats you can buy, how much housing benefit you can get and how big the house will beThe mortgageyou can take The new process looks like this:

The new HFE process - when assessing whether you are eligible for:
buy real estatehousing allowanceHDB credit
BTO HDB buyersIn applying for an HFE letter, you must do this before applying for any BTO during the sales event
Buyers resale apartmentsOn the HFE letter request, you can fill it out before you start looking for a flat for resale, and you must fill it out before you get the OTP for the flat you want.

The HFE letter is simpler and more comprehensive than the HLE letter. It requires all the necessary information in order to pre-evaluate you and provide you with information about the prerequisites for buying a house, a grant and a loan. No, it's quite revolutionary. The new system prepares you for your home and home financing decision right from the start - a huge improvement over the previous system that left home buyers wondering "now what?" at every turn.

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4. How can I request a HFE letter?

Requesting an HFE letter is a two-step process.

Step 1: Initial HFE examination

The first step isPreliminary HFE check, which tells you that you have the right to buy a flat, receive housing allowance and apply for a loan from HDB. All you need to do is log into the HDB Flat portal using your Singpass and follow the instructions to submit your household and income details, register any private property rights and indicate whether you intend to apply for a home loan.

When you click Submit, it's an instant process - you immediately get an initial overview of buying a home, housing assistance and qualifying for a home loan. HDB's aim is to quickly share information to help you get a rough idea of ​​your housing budget and see what's possible for you. However, this initial check did not result in any official HFE letter.

Step 2: Request an HFE letter

If you think you can use what you saw in the initial HFE check, there is another stepSign up for the HFE letter.This is the step that gives you the actual HFE letter required to book a BTO or resale flat. This must be done within 30 days of the start of the initial HFE - if you are late, you must return to the starting line and retake the preliminary HFE.

To apply for the HFE letter only, you need to re-login to HDB Fladportal via Singpass. Fill in and provide the information they ask for, such as your 15-month CPF contribution history and your most recent assessment notice from IRAS. Don't worry about applying for your CPF and more – with the help of Myinfo via Singpass, it can be a simple process for you.

You can also compare HDB and bank mortgages here - and even apply for a bank loan through the HDB Flat portal!

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5. Wait... Can I apply for a bank loan on the HDB Flat Portal now?

A very useful new feature in the new flat app isFrom now on, you can view and compare bank loans on the HDB Flat Portal, all on one page.This is what it looks like:

What is the New Flat Letter of Eligibility (HFE)? HFE vs HLE letters, application process and more - MoneySmart Blog (2)

If you see a bank loan that you want to apply for, HDB will help you. At this point, you can instruct HDB to forward your details and documents to the bank to applyApproval in principle (IPA)Take a home loan from them. An IPA is a document from a bank that will lend you money to buy a house. You can also think of it as a bank loan version of the old HLE letter that allows you to apply for an HDB loan.

Once you have submitted your IPA application through HDB, the bank will contact you directly to let you know if your application has been approved. Then, after booking the flat, you can go back to the HDB Flat portal and confirm the bank loan offer.

also read:HDB loan vs bank loan - which is better? 5 things you need to know before committing

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6. When will I receive my HFE letter?

If all goes well, HDB will not provide you with any additional information they require and will send you the HFE letter within 21 working days of receiving your application. During peak periods, such as during and before promotions, this may take longer.

When HDB processes your HFE letter, you will receive a text message that it is ready. You can then login to the HDB Flat portal to view and download it.

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7. Do I need to apply for an HFE letter? When should I do it?

A HFE letter is required when you plan to buy an apartment. This works for:

  • New BTO units
  • thesell the balance unit
  • new belowopen reservation
  • resale of the apartment

If you have your heart set on a nice new condo, sign up for the HFE letter before the sales event or if you want to book an open house any time of the year. Technically,you just have to use itpreliminaryHFE rating for straight use.But if you vote,Then you only need to use the HFE letter to reserve the apartment.We recommend that you apply for the HFE letter as soon as possible after the initial HFE inspection to give HDB enough time to process your HFE letter - if you are lucky enough to book a flat. There is no harm in seeking an HFE letter early, but note that it expires 6 months from the date it is issued.

If you want to buy an apartment for resale,When you decide to buy an apartment and want to get an OTP, all you need is the HFE letter. However, getting an initial HFE valuation done before you look at an apartment is a good way to gauge which home is best for your financial situation. If you see an apartment you really like but haven't submitted your HFE application, you'll have to wait up to 21 days or so to receive your HFE letter (longer if it's high season!). Well, in that sense, it might be wise to yesApply for HFE early - even before you start thinking about buying a flat for resale.The only possible downside is that the HFE expires after 6 months. So if you are not lucky enough to be looking for an apartment for more than 6 months, you need to apply for a new HFE letter.

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8. Is the HFE letter required for the May 2023 BTO event?

you must have oneInitial assessment of HFEza andMay 2023Sales practices. To get it, fill it outStep 1: Initial HFE examination.You don't have to apply for a real HFE letter...yet.

If you have been given a waiting number and intend to go to HDB to book a flat, you must have the correct letter HFE. To receive this letter, please completeStep 2: Request an HFE letterOn the HDB Flat portal within 30 calendar days from the start of Phase 1.

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9. I submitted a single application before the introduction of the HFE letter. Should I apply for an HFE letter now?

Many of you may have applied for flats through balance sale or open booking before the HFE letter replaced the HLE letter on 9 May 2023. If so, don't worry. You can calmly wait to see if you will be accepted to book a flat and get an HDB loan.

If you succeed, congratulations! Before booking a flat, HDB will ask you to apply for an HLE letter the old-fashioned way. This is only a temporary measure by HDB to switch to HFE letters.

Too bad if you weren't on the list! Good luck next time. Speaking of which, whether it's a new owner occupied apartment or a resale apartment, ask for an HFE letter before you even want to book an apartment.

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Do you know a friend or family member who is applying for an HDB flat? Share this article with them!


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.

Where to apply for HFE? ›

Start your application by logging in to the HDB Flat Portal using your Singpass. You will first need to confirm whether you intend to take up a housing loan to buy a flat. The option you previously indicated in your preliminary HFE check will be displayed. If you change your mind, you may select a different option.

What is the meaning of HFE in HDB? ›

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.

What is HFE vs HFE? ›

'h' is for hybrid, 'f' is forward, 'e' is for common Emitter. The difference between hFE and hfe is: FE is for a fixed DC bias and a fixed DC current gain (and that must be specified for each value of hFE). hfe is the small signal AC current gain (and it is also specified for a given bias). hfe is frequency dependant.

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.

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.

When should I test for HFE? ›

HFE testing is used to find out if a person has an increased chance of having hemochromatosis. It is often recommended for people who have a close family member—parent, brother, sister, or child—with this disease. This test might be done if you have high iron levels in your blood.

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.

What does HDB mean in construction? ›

HD/HDB Bolted Holdown - Tropical Construction Supply.

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 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.

What is HFE also known as? ›

The hereditary hemochromatosis gene (HFE): a MHC class I-like gene that functions in the regulation of iron homeostasis.

What are the common variants of HFE? ›

The most common form of adult HH has been linked to variants (C282Y, H63D, and S65C) of the HFE gene, which codes for a protein responsible for iron regulation. Allele frequency varies by ethnicity.

What is the difference between C282Y and H63D? ›

The C282Y mutation in the HFE (hemochromatosis) gene is the main one that causes hemochromatosis, and 83% of hemochromatosis patients are YY homozygotes (1). The second variant of the HFE gene, the H63D polymorphism, is not per se associated with hemochromatosis, but it acts synergistically with the C282Y mutation (1).

What is the difference between HFE and beta? ›

hfe is the forward transfer characteristic, i.e. transistor gain when used in the common emitter mode. hfe is exactly the same as the transistor Beta, β - it is just a little more correct to use it in datasheets.

What is the current gain factor? ›

Current Gain : It is the ratio of change in collector current to the change in emitter current, denoted by α , its value is near to unity. It is also defined as the ac current gain.

What is the difference between beta and HFE? ›

Hfe is the value from the data sheet which is typical maximum current gain from that transistor in the common emitter configuration. Beta is amongst other things, dependent on the configuration of the transistor.

What are the signs and symptoms of HFE? ›

How do you know if you have hemochromatosis?
  • Feeling of tiredness or weakness,
  • Weight loss,
  • Joint pain,
  • Bronze or grey skin color,
  • Abdominal pain, and.
  • Loss of sex drive.

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.

Which HFE genotype is most common in patients with HH? ›

Hereditary hemochromatosis (HH) is an autosomal recessive disease caused by a defective iron absorption. C282Y is the most frequent HFE gene mutation causing HH in Northern European populations and their descendants.

Which diagnostic test is most reliable for verification of hemochromatosis? ›

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.

What are the symptoms of too much iron in the blood? ›

These signs may include:
  • 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.
Jan 1, 2021

Do I need to fast for hereditary hemochromatosis test? ›

Blood Tests

Levels can be very high in hemochromatosis. Serum iron: Tests how much iron is in your blood. This must be done after fasting.

Can you get Social Security 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 is too high for iron levels 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 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 HDB 5 year rule? ›

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 the biggest HDB type? ›

Jumbo HDB Flats

1,442 sq ft to over 2,000 sq ft. In terms of characteristics, jumbo flats have a large living and kitchen area because of the combined space.

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 HTD mean in business? ›

Mkdn to Sales% HTDMarkdown as a percent of Net Sales amount, half to date.
Pro Mkdn % of Net Sales LYPromo Markdown Amt as a percent of Net Sales Amt LY
Pro Mkdn % of Net SalesPromo Markdown Amt as a percent of Net Sales Amt
194 more rows

What does HFE mean in safety? ›

Human factors engineering (HFE) is a discipline concerned with the design of tools, machines, and systems that take into account human capabilities, limitations, and characteristics. The goals are to design for safe, comfortable, and effective human use.

What does HDB flat stand for? ›

The Housing & Development Board (HDB) is Singapore's public housing authority. We plan and develop Singapore's housing estates; building homes and transforming towns to create a quality living environment for all.

Is HDB a flat? ›

HDB flats are public housing in Singapore. They are called as such as they're constructed by the Housing and Development Board (HDB).

What is BTO vs HDB flat? ›

A Build-to-Order (BTO) flat is a newly-built HDB flat launched prior to its construction. These houses have a fresh lease of 99 years. This public housing scheme was introduced in 2001 to offer potential homebuyers more flexibility in choosing the location of their new homes.

What does HFE gene mean? ›

The hemochromatosis gene HFE was discovered in 1996, more than a century after clinical and pathologic manifestations of hemochromatosis were reported. Linked to the major histocompatibility complex (MHC) on chromosome 6p, HFE encodes the MHC class I-like protein HFE that binds beta-2 microglobulin.

How does HFE affect hepcidin production? ›

The HFE protein regulates the production of a protein called hepcidin. Hepcidin is produced by the liver, and it determines how much iron is absorbed from the diet and released from storage sites in the body.

What is the difference between the two types of bipolar junction transistor? ›

BJTs are of two types namely NPN and PNP based on doping types of the three main terminals. An NPN transistor consists of two semiconductor junctions that have a thin p-doped anode region and PNP transistor also consists of two semiconductor junctions that have a thin n- doped cathode region.

How does HFE regulate hepcidin? ›

It has been proposed that HFE uncouples from TfR1 to form the HFE/TfR2 complex that enables up-regulation of hepcidin expression to decrease dietary iron uptake and reduce iron recycling from macrophages in response to transferrin saturation (14).

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.

What are the 2 variants in the HFE gene? ›

One of the mechanisms leading to iron overload is a mutation in the HFE gene, which is involved in iron metabolism. The 2 most common HFE gene variants are C282Y (1.9%) and H63D (8.9%).

What is the correlation between hepcidin and ferritin? ›

Ferritin stores iron, representing iron status. Hepcidin binds to ferroportin, thereby inhibiting iron absorption/efflux. Inflammation in CKD increases ferritin and hepcidin independent of iron status, which reduce iron availability.

How do you increase hepcidin levels? ›

Iron supplements at doses of 60 mg Fe as FeSO4 or higher increase hepcidin for up to 24 hours and are associated with lower iron absorption on the following day.

Does high hepcidin cause anemia? ›

High hepcidin levels block intestinal iron absorption and macrophage iron recycling, causing iron restricted erythropoiesis and anemia. Low hepcidin levels favor bone marrow iron supply for hemoglobin synthesis and red blood cells production.

What is the difference between NPN and PNP? ›

As they are normally referred, PNP and NPN sensors are both supplied with positive and negative power leads, then produce a signal to indicate an “on” state. PNP sensors produce a positive output to your industrial controls input, while NPN sensors produce a negative signal during an “on” state.

What are the different types of FET? ›

The FET is classified into two types based on its mode of operation, namely the enhancement mode and depletion mode FETs, depending on whether the voltage applied at the gate terminal increases or decreases the current flow through the channel.

Which configuration has highest current gain? ›

The common emitter configuration produces the highest current and power gain of all three transistor configurations.

What suppresses hepcidin? ›

Vitamin D suppresses expression of hepcidin (HAMP) in human monocytes and hepatocytes.

How can I increase my hepcidin levels naturally? ›

Short-term (acute) exercise may increase hepcidin levels. In a small clinical trial on 12 healthy people, both 60-min and 120-min runs increased hepcidin levels 3 hours after exercise. This may be due to the increase in IL-6 levels immediately after exercise [38].

Does hepcidin help with iron absorption? ›

Hepcidin doesn't regulate iron absorption by setting processes into motion. Instead, it prevents the processes that allow your body to absorb iron. Hepcidin acts on a protein called ferroportin. Ferroportin is your body's iron exporter.

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