Documents Required for HDB Loan Application: 2026 Complete Checklist
The essential documents required for HDB loan application include NRIC for identity, latest IRAS Notice of Assessment (NOA), 12-15 months CPF contribution history, and HDB property status from My HDB Page. Homejourney prioritizes your safety by verifying these requirements to help you secure financing confidently, especially for first-time buyers or those planning HDB upgrades.[1][2][3]
Applying for an HDB concessionary loan requires precise documentation to meet HDB's strict eligibility criteria under MSR (Mortgage Servicing Ratio) and TDSR (Total Debt Servicing Ratio) rules. This cluster article details the exact checklist, drawing from official HDB guidelines, while our pillar guide on Singapore HDB Financing provides broader coverage including HDB loan vs bank loan comparisons. With Homejourney, use Singpass/MyInfo for instant verification and apply securely via our platform at https://www.homejourney.sg/bank-rates.[1][3]
Step-by-Step Guide to Gathering Documents Required for HDB Loan Application
Start early: Log into the HDB Flat Portal with Singpass for HFE/HLE. Declare household income (last 12 months, ending 2 months prior), family nucleus, and loan intent. Scan documents as PDFs/JPEGs under 5MB. Homejourney's eligibility calculator at https://www.homejourney.sg/bank-rates#calculator helps pre-check your borrowing power before applying.[1][2][6]
- Apply for HFE Letter: Via HDB portal; generates in 2-3 days.[2][5]
- Upload Core Documents: Identity, income, CPF, HDB status.[1][3]
- Submit Employment-Specific Proof: Tailored to your status.[1][2]
- Await Verification: HDB reviews for TDSR compliance (income after debt ≤60%).[3]
Core Documents for All Applicants
These form the foundation for every documents required for HDB loan application.[1][2][4]
- Identity Proof: NRIC (Singaporeans/PRs) or Passport for applicants and occupiers.[1][2][3]
- Income Verification: Latest IRAS NOA; 12 months CPF Contribution History from CPF Board.[1][2][3]
- HDB Status: Flat & Financial Info from My HDB Page (Singpass). Screenshot 'no ownership' if applicable.[2]
- HFE/HLE Letter: Generated post-application.[2][5]
Insider tip: Download CPF history directly from the CPF website using Singpass for the most accurate 12-15 month records. Homejourney's integration with Singpass/MyInfo auto-fills much of this data when you check eligibility on our bank rates page, saving time and reducing errors.[1][2]
Documents by Employment Type
Employed Applicants
- Latest 3 months payslips
- Employer's letter (position, start date, salary)
- 15 months CPF contributions[1][2][3]
If you've recently changed jobs, include payslips from your previous employer to show income stability over 12 months. HDB assesses average gross monthly income ending two months before application.[2]
Self-Employed
- ACRA Business Profile or trade licence
- Latest IRAS NOA or Certified Accounts
- 12 months bank statements
- Credit Bureau Singapore Report[1][3]
Self-employed buyers often face stricter scrutiny; pair your NOA with bank statements showing consistent inflows. For HPS (Home Protection Scheme) applications tied to your HDB loan, include these plus loan details and existing insurance proofs.[1][2]
Commission/Part-Time/Freelance
- 12 months payslips/commission statements
- 15 months CPF
- 12 months bank statements
- Credit Bureau Report[1][3]
Unemployed/Occupiers & Pensioners
- Unemployed: Statutory declaration, recent 3 months payslips + CPF[1]
- Pensioners: 3 months pension proof; 12 months bank statements; Credit Bureau Report.[3]
Occupiers without income support eligibility but don't boost loan quantum. Always declare accurately to avoid rejection. Learn more about Home Protection Scheme and HPS HDB requirements in our dedicated guide: Home Protection Scheme HPS: Complete HDB Buyers Guide | Homejourney .[1]
HDB Insurance and Home Protection Scheme (HPS) Documents
CPF HPS and HDB insurance (mortgage insurance HDB) are mandatory for HDB loans using CPF savings, protecting your family if you're unable to repay due to death, terminal illness, or total permanent disability. Documents for HPS include NRIC, HDB loan details (amount, tenure, ownership shares), and existing policy proofs for exemptions.[1][2]
Opt for HPS via CPF Board for cost-effective coverage, or seek exemptions with private mortgage insurance HDB equivalents. Compare MRTA vs term insurance options through Homejourney for better rates: MRTA vs Term Insurance: Homejourney Application Benefits . Use our bank rates page to see how HPS integrates with loans from DBS, OCBC, UOB, and partners.[2]
HDB vs Bank Loans: Document Differences
HDB loans require HFE letter and strict MSR/TDSR compliance, while bank loans (e.g., DBS, OCBC) need OTP, property tax bills, and Credit Bureau reports upfront.[3] Check HDB loan vs bank loan details in our comparison: HDB Loan vs Bank Loan 2026 Comparison | Homejourney . Homejourney lets you compare rates from DBS, OCBC, UOB, HSBC, Standard Chartered, Maybank, and more at https://www.homejourney.sg/bank-rates.[2][3]
Disclaimer: This guide is for informational purposes; consult HDB or a Homejourney mortgage broker for personalized advice. Regulations current as of 2026.[1][4]
Frequently Asked Questions (FAQ)
What are the main documents required for HDB loan application?
NRIC, IRAS NOA, CPF history (12-15 months), HDB status, and employment proofs.[1][3]
Is Credit Bureau Report needed for HDB loans?
Yes, for self-employed, commission, or non-CPF employed applicants.[1][2]
Do I need documents for Home Protection Scheme (HPS)?
Yes: NRIC, loan details, and existing insurance for exemptions. HPS HDB is mandatory for CPF-financed loans.[1][2]
How does Homejourney simplify HDB loan applications?
Auto-fill via Singpass/MyInfo, eligibility calculator, and multi-bank submissions at https://www.homejourney.sg/bank-rates.[1]
What's the difference in documents for bank loans?
Banks require OTP and Credit Bureau reports; use Homejourney to compare and apply seamlessly.[2][3]
Ready to apply? Visit Homejourney's bank rates page for instant eligibility checks and secure applications. Search verified properties at https://www.homejourney.sg/search within your budget. For full HDB financing coverage, read our pillar guide on Singapore HDB Financing.
