What is the New HDB Flat Eligibility (HFE) Letter?

What is the HFE letter?

You will need an HDB Flat Eligibility (HFE) Letter before you set off on your home buying journey. HFE letter streamlines the flat buying process. With the HFE letter, you will know upfront your eligibility to:

Buy a new and/ or resale flat

Receive CPF housing grants, and the amount

Take up an HDB housing loan, and the amount

If you are interested in taking up a loan from financial institution (FI), you can also concurrently apply for an In-Principle Approval from participating FIs when applying for an HFE Letter. The letter will also give you an indicative loan assessment.

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When will I need an HFE Letter?

You will need a valid HFE Letter when you:

Apply for a flat from HDB during a sales launch or open booking of flats

Obtain an Option to Purchase from a flat seller for a resale flat, and when you submit a resale application to HDB.

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The HFE Letter helps you make an informed decision and reduces the guesswork as you plan the budget for your flat. We encourage you to plan ahead and apply for the HFE Letter early – after all, the HFE Letter is valid for 6 months.

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What happened to the HLE Letter?

The HFE Letter replaces the old HDB Loan Eligibility (HLE) letter. Whereas buyers’ eligibility to buy an HDB flat, receive grants, and take up a housing loan used to be assessed at various stages in the flat buying journey, the process is now streamlined into a single application for greater convenience.

If you are currently in the midst of buying a flat, learn more about whether, and when, you would need an HFE Letter.


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We would love to help you get the most out of your property.

Should you be thinking of selling, or would simply like an update of where your property sits in today's market, book a non-obligatory discussion with one of our TemasekClass consultants.