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Good day to you,

All taxable income must be documented for the assessment of housing grants and housing loan applications for HFE approval. Do request alternative processing options for your application from HDB.

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Mike Lim
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ERA Read More

It is compulsory to declare all sources of income that contribute to your total household income, including:

- Full-time employment (with CPF contributions)
- Part-time employment
- Freelance or platform work (e.g. food delivery rider, private hire driver, etc.)
- Self-employed income

Even if your platform work is part-time or secondary, it must be declared if you are earning from it, as HDB considers total household income to assess:

- Eligibility for BTO/resale
- Grant amount
- HDB loan amount

Given that there are only 2 fields in the HFE application, what you can do is to declare your two main CPF-contributing employers in the online HFE form and then follow up with an email to HDB directly at hdbloan@hdb.gov.sg or use MyRequest@HDB to submit supporting documents separately.

Hope the above helps!

——

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Hihi Kelvin,

Good Day to you. I am Joey from ERA and I am happy to answer your concerns.

Yes, your income from platform work as a delivery rider should be included in your total annual income when applying for an HDB Flat Eligibility (HFE) letter.

HDB considers all sources of income from applicants when assessing eligibility for flat purchases, CPF housing grants, and HDB housing loans. This includes income from full-time employment, part-time jobs, and self-employed or freelance work such as platform-based delivery services.

Since you are required to contribute to your MediSave Account (MA) starting from January 2025, and your platform company also makes contributions on your behalf, this indicates that your platform work is recognized as self-employment. Therefore, the income earned from this work should be declared in your HFE application.

While the HFE application form may have only 2 limited slots for declaring income from employers, you should still declare all sources of income. You can email HDB at hdbloan@hdb.gov.sg, call HDB Sales/Resale Customer Service Line at 1800 - 866 3066.or walk in to HDB counter to provide additional documentation to support your application.

• Income Statements: Detailed records of your earnings from the platform work over the past 6 to 12 months.
• CPF Contribution Records: Statements showing your MediSave contributions related to your platform work.
• Tax Documents: If available, include your Notice of Assessment from the Inland Revenue Authority of Singapore (IRAS) that reflects your self-employed income.

These documents can be submitted as part of your HFE application to provide a comprehensive view of your income.
Ensuring that all your income sources are accurately declared will help HDB assess your eligibility appropriately and avoid potential issues related to income ceilings for grants and loans.

Should you require assistance in buying, selling, renting or investing of properties in Singapore, you can contact me for a non obligatory discussion.

I am an active & experienced agent and have assisted many happy sellers in their sales of houses for the past 15 years with GOOD track record. Happy to help.

Ong Joey (CES, BBM[SMU])
Senior Marketing Director, ERA Realty Network Pte Ltd
CEA Reg. No: R011492A
Email: joeyongproperty@gmail.com Contact | (+65) 9436 5945 
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Thank you” Ms Karen Read More

1. All income sources must be declared when applying for HFE, including full-time jobs, part-time work, freelance gigs, and self-employment.
2. This comprehensive income reporting affects your eligibility for BTO or resale flats, housing grants, and loan approval amounts.
3. Since the HFE form only allows two CPF-contributing employers, declare your main two employers online, then submit additional income details and documents directly to HDB via email or MyRequest.
4. If you face difficulties, ask HDB about alternative processing methods to ensure your application is accurately assessed.
5. Transparency in income disclosure helps avoid delays or complications in your housing application process.

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