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Mortgage loans are calculated based on the Mortgage Servicing Ratio. A decline in combined household income will impact the eligible loan amount. It is important to weigh the benefits against the potential losses.

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Mike Lim
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From my understanding, to be eligible for housing grants, you and your fiance must have worked continuously for at least 12 months, 2 months before the HFE letter application and be working at the time of the HFE letter application.

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I have been in the real estate business since 2009, with more than 15 years of experience serving the Singapore real estate market.

I am very active in the residential segment of Singapore real estate market, having transacted hundreds of deals from HDBs to private condominiums and landed properties in Singapore, and have handled many unique cases in sales and purchases as well as rental deals.

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Hi,

1) The HDB will check on your income at the stage of signing Agreement for lease.
2) The HDB has the right to cancel your BTO/SBF if found that you did not meet the eligibility to purchase or exceeded the income ceiling. All penalties applied for the termination.
3) If you think that the changes of income will affects your eligibility or grants matter. I would suggest you use the HDB feedback channel and raise your concern with your HFE reference number.

All the best!

Please give me a thumbs-up if the answer provided is relevant to your main concern. Thanks!!!

Hope the above answers your main concerns, but if there are more queries, 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/
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Reviewing HFE for Grants: Yes, you can approach HDB to request a reassessment of your HFE for grant eligibility. Since your financial situation has changed and you believe you now qualify for grants, you should update HDB with your latest income details.

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