1st HDB Appointment

Items to bring:

• ICs (Original & Photocopy)
• Passport (if non-Singaporean)
• Latest payslips
• Cheque book

If you are applying for the $10K "Stay near parents" grant, bring these as well:

• The parents
• Parents' ICs (Original & Photocopy)
• Parents' marriage cert
• Birth certificate

Our 1st HDB appointment was a breeze. The HDB officer that handled our case surpassed our expectations. We were very impressed that she even remembered our wedding date although our appeal case (link) wasn't handled directly by her.

Here's a summarised version of the detailed explanation that she gave us:

• Since we're applying for the stay near parents grant, the parents cannot move away from Woodlands within this 5 years
• We must physically stay in the flat for 5 years before we're allowed to sell it
• Because the Malaysian is non-Singaporean, HDB will withhold $10K from our total grant. This amt will be subsequently returned if the Malaysian becomes Singaporean or gives birth to a Singaporean kid.
• The max HDB loan we can take is 90% of the valuation price or what is given in your HLE letter
• Amount of cash needed = (10% + COV) - (Grants + CPF Savings) + Stamp Duty + Taxes - Deposit
• You would need to pay a portion of the amount above after the 1st appointment (payable via cash, NETS or cheque)
• The remaining amount needs to be paid during the 2nd appointment by CASH only. Alternatively, you can opt to pay the whole sum during the 1st appointment.
• The 2nd appointment takes place 6 - 8 weeks after the 1st, as CPF first needs to credit the grant into the Singaporean's account and then deduct them again.
• Home Protection Scheme is also a must. (i.e. Insurance in the event that one of us dies before loan is repayed.) However, you can choose the amount to insured.

The whole process took around 40 - 45 minutes. Our next appointment is on 1st April @ 3pm.