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Residential
Find out about our income guidelines and prepare the required documents before applying for an HDB Loan Eligibility (HLE) letter.
All applicant(s) must be employed at the month of application and remain employed before an HDB housing loan is disbursed.
The following will apply if you are employed but on no-pay leave:
The following types of income/ allowance will not be considered for credit assessment:
To process your application for an HLE letter, you have to provide the necessary documents for all persons listed in the application.
If you are working overseas, please submit additional income proof, such as your employment pass, work permit, business documents, or overseas income tax returns. An official English translation is required if the original documents are not in English, Mandarin, Malay, or Tamil.
Prepare the required documents based on your employment type below. We may also request additional documents for credit assessment purpose.
Payslips or recent letter[2] (sample) (JPEG, 55KB) from the employer certifying job designation, commencement date, and breakdown of salaries for the following months:
and
Notes:
[1] Employed persons have to submit payslips or employer’s letters to show the breakdown of income components received. As income tax returns do not reflect the breakdown of income, they will not be accepted. [2] For proof of income, all employer's letters must have the company letterhead/ stamp, and the name, signature, and designation of the certifying officer.
[1] Employed persons have to submit payslips or employer’s letters to show the breakdown of income components received. As income tax returns do not reflect the breakdown of income, they will not be accepted. [2] For proof of income, all employer's letters must have the company letterhead/ stamp, and the name, signature, and designation of the certifying officer. [3] A copy of the Credit Bureau report can be requested online, or at any SingPost Branch. Alternatively, you can visit the Credit Bureau Office to obtain a report directly. The Credit Bureau will charge a fee for the report. To expedite processing, please request for the report to be sent directly to HDB.
Note:
[1] A copy of the Credit Bureau report can be requested online, or at any SingPost Branch. Alternatively, you can visit the Credit Bureau Office to obtain a report directly. The Credit Bureau will charge a fee for the report. To expedite processing, please request for the report to be sent directly to HDB.
[1] Employed persons have to submit payslips/ commission statements or employer’s letters to show the breakdown of income components received. [2] For proof of income, all employer's letters must have the company letterhead/ stamp, and the name, signature, and designation of the certifying officer. [3] A copy of the Credit Bureau report can be requested online, or at any SingPost Branch. Alternatively, you can visit the Credit Bureau Office to obtain a report directly. The Credit Bureau will charge a fee for the report. To expedite processing, please request for the report to be sent directly to HDB.
For all applicants and occupiers who are unemployed and aged between 18 and 62, the following documents are required:
If you have taken an HDB concessionary housing loan before, and are buying another HDB flat after disposing of the existing one, you have to submit:
The above applies to both applicants and essential occupiers of the flat application.
Find out more about the types of HDB flats available for sale and design features of new flats.
Get started with your flat purchase by finding out about the buying process of a flat from HDB.
Understand and follow the resale procedures to ensure a smooth flat buying journey. Find out more about the process before committing to a flat purchase.