To buy an HDB flat as a self-employed individual:
1. Check eligibility: citizenship, age, family nucleus, income ceiling, property ownership.
2. Register Intent to Buy in the HDB Resale Portal.
3. Obtain HDB Loan Eligibility (HLE) letter if using an HDB loan.
4. Secure financing via cash, CPF, or bank loan.
5. Check resale flat details: Ethnic Integration Policy, upgrading/renewal programs.
6. Submit resale application after exercising OTP.
7. Complete application jointly with the seller.
8. Ensure eligibility and resale conditions are met.