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Anonymous
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Hi anon, this is what I found from the HDB site:
(Source: https://www.hdb.gov.sg/cs/infoweb/residential/b...)
If you are an essential occupier, I guess you won't be considered a first-timer anymore.
You might also want to try this eligibility checker on HDB site: https://services2.hdb.gov.sg/webapp/BP13EligChe...
Hope it helps.βββ
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I apply HFE with my husband n daughter. My daughter is the 3rd name. Is she consider 1st timer