If I'm self-employed and want to buy an HDB, how

To buy an HDB flat as a self-employed individual, you need to follow these steps:

1. Check Eligibility: Ensure you meet all the eligibility conditions, including citizenship, age, family nucleus, income ceiling, and ownership/interest in property in Singapore or overseas.

2. Register Intent to Buy: Register your Intent to Buy in the HDB Resale Portal. This step is mandatory before being granted an Option to Purchase (OTP) by the seller.

3. Obtain HDB Loan Eligibility (HLE) Letter: If you plan to take an HDB loan, apply for an HLE letter. This is necessary before the seller can grant you an OTP.

4. Secure Financing: Decide on your mode of financing, whether using cash, CPF savings, and/or a housing loan. If you need a bank loan, obtain a Letter of Offer (LO) from a financial institution.

5. Check Resale Flat Details: Ensure the resale flat meets all requirements, such as the Ethnic Integration Policy, and check if it is affected by any Upgrading/Estate Renewal Programme.

6. Submit Resale Application: After agreeing on the resale and exercising the OTP, submit your portion of the resale application to HDB. The seller will also need to submit their portion within seven calendar days.

7. Complete Application: Ensure both portions of the resale application are submitted to HDB. HDB will then assess your eligibility to buy and the seller's eligibility to sell the flat.

8. Meet All Conditions: Ensure you meet all eligibility conditions and resale requirements on the date the second party submits their portion of the resale application.

By following these steps, you can successfully purchase an HDB flat as a self-employed individual.