Does my occupier need to have an HFE?

Your occupier does not need to have an HFE (HDB Flat Eligibility) letter. Only the applicant(s) for the BTO flat must obtain the HFE letter to assess eligibility for purchasing the flat, HDB loan, and grants. The occupier's details (such as income and citizenship) may be required for the application if their income is considered in the household income assessment, but they themselves do not need to apply for or hold the HFE letter. The HFE letter is issued in the name of the main applicant(s), not occupiers.