HLE enquiry

[GeraldineT]

My appoint for the flat section is this coming 18 April
& I only just realised that my partner declare his gross income wrongly!
He actually plus his allowance on top of his gross income

Pls advise what to doooooo

For HLE or for ur grant?
If for HLE ok what. Cause u need higher amount.
Anyway ur HLE will reapply again when ur flat is ready

 

[Skylooter]

My appoint for the flat section is this coming 18 April
& I only just realised that my partner declare his gross income wrongly!
He actually plus his allowance on top of his gross income

Pls advise what to doooooo

better check with HDB hotline?

 

[happyone123]

AHG & HLE

Hi all,

I've just selected my flat in March and currently, I'm waiting for the AHG results which HDB said it will take about 2 months (May). And the signing of the lease will be in July if everything is smooth. May I ask, is it okay if I change my job in June/July? Since AHG and HLE documents had been assessed during the selection of flat. It will be a higher pay job.

Will it affect my AHG if I change job before signing the lease?

 

[vinz]

Hi all,

I've just selected my flat in March and currently, I'm waiting for the AHG results which HDB said it will take about 2 months (May). And the signing of the lease will be in July if everything is smooth. May I ask, is it okay if I change my job in June/July? Since AHG and HLE documents had been assessed during the selection of flat. It will be a higher pay job.

Will it affect my AHG if I change job before signing the lease?

AHG assessment is based on 12 months prior to application, which most likely is 1 or 2yrs ago income (payslip etc), nothing to do with your current income or future income anymore.

good luck in getting a higher paying job.

-vinz

 

[happyone123]

Oh I see! Thank you so much! I can just apply for new jobs in peace ^^

AHG assessment is based on 12 months prior to application, which most likely is 1 or 2yrs ago income (payslip etc), nothing to do with your current income or future income anymore.

good luck in getting a higher paying job.

-vinz

 

[iwanthp]

Hi guys need some advice me and my gf managed to get the Feb 2018 BTO and have applied for HLE already but the loan amount now is like less than 50% of the purchase price (120k like that out of 250k). Im currently working full time and she studying and working parttime. So just wanted to check if say our estimated completion is Oct 2021, is it possible to apply for another HLE maybe few months before the collection of keys? Coz i believe by then our income higher = higher loan amount am i right? :/

 

[vinz]

So just wanted to check if say our estimated completion is Oct 2021, is it possible to apply for another HLE maybe few months before the collection of keys? Coz i believe by then our income higher = higher loan amount am i right? :/

First HLE now to proof you eligible for HDB loan.

2nd HLE to be done before key collection , that will be the real status of your HDB loan for this unit after deducting both your ordinary account CFP.

The answer to your question is Yes.

 

[iwanthp]

First HLE now to proof you eligible for HDB loan.

2nd HLE to be done before key collection , that will be the real status of your HDB loan for this unit after deducting both your ordinary account CFP.

The answer to your question is Yes.

Ah i see thank you so much! correct me if im wrong but now is first time that ill submit the HLE, then the 2nd time is during the signing of the lease agreement? Or are they they same?

 

[happyone123]

Ah i see thank you so much! correct me if im wrong but now is first time that ill submit the HLE, then the 2nd time is during the signing of the lease agreement? Or are they they same?

Documents submitted during the selection of flat will be considered the first time of assessment. Second time will be before key collection

 

[Endless09]

Hi All,

Could I know where can I download the HLE letter before the selection of flat appointment? Anyone can help?

 

[Aries89]

Hi All,

Could I know where can I download the HLE letter before the selection of flat appointment? Anyone can help?

Login to myHDBPage, go to My Flat then Application Status then HLE

 

[sentsggirls]

trying to apply HLE

after input all detail, they require my fiance electronically signature.

this one need her sing pass to login, need to sign or just acknowledge?
can I login on her behalf?

3 mths payslip and CPF 15months needed? for both of us?

 

[ckboyz]

First HLE now to proof you eligible for HDB loan.

2nd HLE to be done before key collection , that will be the real status of your HDB loan for this unit after deducting both your ordinary account CFP.

The answer to your question is Yes.

What if during 1st HLE we are below the income ceiling but 2nd HLE (before taking key) we are above income ceiling? Does it means that we can only take bank loan?

 

[Akihimura]

My appoint for the flat section is this coming 18 April
& I only just realised that my partner declare his gross income wrongly!
He actually plus his allowance on top of his gross income

Pls advise what to doooooo

the CSO told me before that they will check the income documents submitted so should still be ok. If they got query will call you.

 

[talberry]

trying to apply HLE

after input all detail, they require my fiance electronically signature.

this one need her sing pass to login, need to sign or just acknowledge?
can I login on her behalf?

3 mths payslip and CPF 15months needed? for both of us?

Yes, you should be able to log in on her behalf to do it. Its more of an acknowledgement.

The payslips and CPF required is for both of you.

 

[DOL-wm]

Quick question on HLE if anyone can advice.

Prior to my HLE application I changed job with a month of no income, worked for 1 year previously:

Feb 2017- Feb 2018 = Work full time
March 2018 = Left job(no income for march)
2 April 2018 - got a new job

HLE was rejected - reason stated employment period is less than the requisite period for credit assessment.
In this case is it possible to appeal? Or die die if change job even if work 1 year in previous job = no use for HLE?

Just recived the letter so will call them tomorrow but just curious if anyone has experienced this before.

 

[GeraldineT]

Quick question on HLE if anyone can advice.

Prior to my HLE application I changed job with a month of no income, worked for 1 year previously:

Feb 2017- Feb 2018 = Work full time
March 2018 = Left job(no income for march)
2 April 2018 - got a new job

HLE was rejected - reason stated employment period is less than the requisite period for credit assessment.
In this case is it possible to appeal? Or die die if change job even if work 1 year in previous job = no use for HLE?

Just recived the letter so will call them tomorrow but just curious if anyone has experienced this before.

U can appeal and let them know why that month no income.
Perhaps also a saving acc n etc.

My HLE was done base on my employment letter and my bf 1year+ salary.

 

[Arcticsky]

HLE Eligibility

Hi all! Would like to seek help in a few matters if possible. Appreciate any help!

HLE -
1) I heard that there are 2 reviews for HLE. Does this also apply for SBF/ROF? If we apply for HLE now, is it just for eligibility's sake and will the 2nd review be the ultimate determining factor of how much loan we will be able to get? (As I am currently unemployed but will be so by the time we get our keys)

2) my fiancé is currently employed without CPF contributions & also a freelancer for only a few months and I am unemployed. Will the fact that we both did not have 15 months worth of CPF contribution cause our HLE to be unapproved? Anyone in the same situation before?

3) If my fiancé decides to contribute to his own CPF, can he be said to be employed with CPF and provide 3 months payslip by then?

4) If his employer is willing to offer CPF contributions now, will our HLE have higher chance of approval once he has 3 months worth of CPF contribution (but not for the previous year) as compared to being a freelancer or is there no difference?

AHG Grant -
Are freelancers eligible for this grant? As I saw the requirement of "have to be in continuous employment for at least 12 months".


THANKS TO ANYONE WHO IS WILLING TO SOLVE OUR CONFUSION!

 

[GeraldineT]

Hi all! Would like to seek help in a few matters if possible. Appreciate any help!

HLE -
1) I heard that there are 2 reviews for HLE. Does this also apply for SBF/ROF? If we apply for HLE now, is it just for eligibility's sake and will the 2nd review be the ultimate determining factor of how much loan we will be able to get? (As I am currently unemployed but will be so by the time we get our keys)

2) my fiancé is currently employed without CPF contributions & also a freelancer for only a few months and I am unemployed. Will the fact that we both did not have 15 months worth of CPF contribution cause our HLE to be unapproved? Anyone in the same situation before?

3) If my fiancé decides to contribute to his own CPF, can he be said to be employed with CPF and provide 3 months payslip by then?

4) If his employer is willing to offer CPF contributions now, will our HLE have higher chance of approval once he has 3 months worth of CPF contribution (but not for the previous year) as compared to being a freelancer or is there no difference?

AHG Grant -
Are freelancers eligible for this grant? As I saw the requirement of "have to be in continuous employment for at least 12 months".


THANKS TO ANYONE WHO IS WILLING TO SOLVE OUR CONFUSION!

1) Yes, the first is just to see u can get HLE loan, so that ur deposit for BTO will be lower.

2) Yes, as both of u don't have 12 months at least of CPF contribution, it will affect ur HLE to be unapproved, U might need to show that there is constant savings account.

3) they might ask for more payslip.

4) If u have a job with CPF contribution, it will be a higher chance of approval.

AHF Grant - yes as long as ur total income doesn't exceed u can get the grant, probably will need the IRAS tax income for the year

 

[xinping]

may i ask if hdb will consider transport allowance for the hle? i tried using the calculator, i put with allowance and without, loan amount same =\