: You must apply for an HFE letter via the HDB Flat Portal. This letter is mandatory before you can book a BTO flat or sign an Option to Purchase (OTP) for a resale flat.
Buying a house in Singapore is a highly structured process that differs based on whether you are eyeing public housing (HDB) or private property. As of 2026, the first and most critical step for any HDB buyer is obtaining the , which consolidates your eligibility for the flat, housing grants, and HDB loans into one assessment. 1. Financial Assessment & Eligibility what steps are needed to buy a house
: 20-25% of the property value. For HDB loans, this can be paid entirely via CPF; bank loans require at least 5% in cash. : You must apply for an HFE letter via the HDB Flat Portal