Do me and my fiancee have to apply for the HLE?

If your sole income is sufficient, shouldn’t be an issue. As it’s more a qualification process to show you are eligible for a loan. At the 2nd appointment, they will ask about the loan repayment details if it should be from one or both occupants.

Hi there, perhaps you can read under: https://services2.hdb.gov.sg/webapp/BP13EligChe... (Fiancé/Fiancée Scheme). I am sure under this scheme both (if working) has to submit their income documents - or perhaps justify why not since HDB uses it as a critieria in determining whether you can purchase BTO or whether you are eligible (in terms of affordability) of resale/BTO flat.