Hi,
1) HLE is an indication of the amount of loan derived from your current income.
2) The validity indicated other than giving time for you to search for your home within budget, it is also assumed there will be no changes in your income within this period.
3) During submission of resale application, the only condition to request for the past 3 months' payslip is when you apply for a grant. If there is no application of grant, the only document required are as follow:
(a) ID
(b) Birth cert
(c) Passport, Blue ID, Entry/re-entry permit, EP, those documents to prove status of residential in Singapore, mainly for PR and foreigners.
(d) Marriage cert, Deed of Separation, Divorce cert, Death cert, etc, for verification of the marital status of the persons listed in the application form.
(e) Grant of probate/Letters of administration, will, for proof of the right of representation or interest in an HDB flat/private property by way of inheritance.
4) From the requirement from HDB, there is no mentioning of resubmitting your current income status with the exception of the grant application.
You may check through all detail in a resale process: https://www.hdb.gov.sg/cs/infoweb/e-resale/resale-procedures
5) HDB will grant approval based on HLE to disperse the loan, and all relevant documents required mentioned in (3), to verify the eligibility status of the buyers.
6) If you have enough cash+CPF for the total cost of the resale flat. You might consider paying off within applying for the loan which is not mandatory to start with.
7) Finally, other than the purchase amount, don't forget about the buyer stamp duty and the legal fee which also can be paid off using CPF.
Hope the above answer to your main concerns, but if there are more query, please feel free to contact me at
90110636
, or email: ling.ck7@gmail.com if more information is needed.
I'll be glad to assist.
Best regards
Ling CK
90110636
ling.ck7@gmail.com
https://R056727F.propnex.net/
https://www.facebook.com/Homesellerbuyer
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