Documents Required for HDB Loan Application: 2025 Checklist

Documents Required for HDB Loan Application: Your Complete 2025 Checklist

Applying for an HDB loan requires specific documents to verify your eligibility, income, and property status. The core documents include your NRIC or passport, latest Notice of Assessment (NOA) from IRAS, 12 months CPF contribution history, and HDB flat information.[1] Understanding what you need before you start saves weeks of delays and ensures smooth approval when you're ready to purchase your next home.

This guide walks you through every document required, explains why HDB needs each one, and shows you how Homejourney's tools can speed up your application process. Whether you're a first-time buyer or upgrading from an HDB flat to a private property, having the right paperwork ready is the foundation of a successful loan application.

Why Documents Matter: How HDB Assesses Your Loan Eligibility

The HDB Loan Eligibility (HLE) letter, now integrated into the HDB Flat Eligibility (HFE) letter since 2023, assesses your ability to secure a buy resale HDB loan.[1][2] HDB uses these documents to calculate your Maximum Loan Quantum under two key ratios: the Mortgage Servicing Ratio (MSR) of 30% of gross monthly income and Total Debt Servicing Ratio (TDSR) of 55%.[1]

Missing or incomplete documents can delay your application by weeks, especially during peak periods like year-end. First-time buyers often overlook HDB financial information or CPF statements, causing rejections that could have been avoided. By preparing everything upfront, you demonstrate to HDB that you're a serious, organized applicant—which builds trust and accelerates processing.

Homejourney prioritizes your safety by verifying all information for confident decisions. Our platform helps you organize and submit documents securely, ensuring nothing gets lost in the process.

Essential Documents Checklist for HDB Loan Application

Here's the complete list of documents you'll need to gather before applying via the HDB Flat Portal with Singpass. Processing typically takes up to 21 working days, so start early, especially if you're applying during peak periods.[1][4]

Identity Documents

NRIC (for Singaporean citizens and Permanent Residents) or Passport (for foreigners) for all applicants.[1]
For co-applicants, provide the same identity documents.
Ensure all documents are valid and not expired.

Income Verification Documents

Latest IRAS Notice of Assessment (NOA) – HDB requires your most recent NOA to verify your declared income.[1] This is typically from the previous financial year.
12 months CPF Contribution History Statement – Download this from the CPF Board e-Services portal. This proves your CPF contributions over the past year and validates your income claims.[1]
Latest 3 months payslips – If you've recently changed jobs or been employed for less than one year, provide recent payslips as additional income proof.[2]
Employment letter – If you've been with your current employer for less than one year, provide a letter confirming your position and salary.[2]

HDB Property Status Documents

HDB Flat Information & Financial Information – Log into My HDB Page using Singpass and download both documents. These show your current HDB ownership, outstanding loans, and financial standing.[1]
"No ownership" screenshot – If you don't currently own an HDB flat, take a screenshot of the "no ownership" message from My HDB Page and save it as proof.[1][3]
For resale purchases, have the seller's Title Deed and Option to Purchase ready.[2]

HDB Flat Eligibility (HFE) Letter

HFE Application – Apply first on the HDB Flat Portal, declaring household income, family nucleus, private property interests, and your loan intent.[1][2]
The HFE letter confirms your flat eligibility and includes your maximum loan quantum—essential before proceeding with formal loan application.[4]
Valid for 6 months from issue date.[1]

CPF-Related Documents

CPF OA Statement – Shows your Ordinary Account balance, which you'll use for the down payment (typically 5-25% of purchase price).[2]
CPF grant documentation – If eligible for grants like the Proximity Grant (up to $120,000), provide proof of eligibility.[2]
Ensure you retain at least $5,000 in your OA after using CPF for the down payment.[2]

Additional Documents for Families and Co-Applicants

Co-applicants' details – NRIC, income proof, CPF history for each co-applicant.[1]
Marriage certificate – If applying as a married couple.[2]
Birth certificates – For dependent children in your family nucleus.[2]
Monthly commitments list – Declare all outstanding loans, insurance premiums, and regular bills for TDSR calculation (55% maximum debt-to-income ratio).[1][2]

Step-by-Step: How to Apply for HDB Loan with Your Documents

Once you've gathered all documents, follow this process to submit your HDB loan application:

Apply for HFE Letter First: Log into the HDB Flat Portal with Singpass. Use MyInfo to auto-fill your personal and income data instantly, saving time and reducing errors.[1][4] Declare your household income (assessed for the 12 months ending two months before your application month), bonuses, private property ownership, and loan intent.
Wait for HFE Processing: HDB typically processes HFE applications within 21 working days, though peak periods like December may extend this.[4] You'll receive an SMS notification when your HFE letter is ready.
Get Your HLE Confirmation: Your HFE letter includes your loan eligibility and maximum loan quantum. This confirms HDB's willingness to lend and the amount you can borrow.[1]
Submit Formal Loan Documents: Once you have your HFE, upload all required documents to HDB or your chosen bank (if taking a hybrid loan). Use Singpass on Homejourney for faster verification—our platform integrates with Singpass to auto-fill income and CPF data instantly.[1]
Book Your Flat: Present your HFE letter when booking a resale or BTO flat. Pay the option fee via CPF OA.[1]

Insider tip: Apply for your HFE in the same month as your preliminary flat viewing to avoid income updates that could affect your eligibility. Peak periods like December 2025 extend processing times significantly—start early if you're planning a year-end purchase.[4]

HDB Loan vs. Bank Loan: Document Differences

While HDB loans and bank loans share many document requirements, there are key differences worth understanding. HDB loans require your HDB flat information and HFE letter, which banks don't need. However, if you're upgrading from HDB to a private property, you'll likely need a bank loan instead—and the documentation process differs slightly.

For a detailed comparison of HDB loans versus bank loans, including how each assesses your eligibility and what documents each requires, see our guide on HDB Loan vs Bank Loan 2025 Comparison | Homejourney . Understanding these differences helps you choose the right financing option for your situation.

If you're considering upgrading from HDB to a private property, explore our comprehensive guide on Selling HDB & Buying Private Property: Complete Financing Guide 2025 to understand how financing works when you're selling and buying simultaneously.