Anonymous
If your income is low won't you get a much lower HDB Loan, which will cancel out the high HDB Grant?
Of course grants will be higher but won't that mean that HDB loan will be much lesser as well? Let's say for a couple with 3k income, they are eligible to receive a 65K grant but HDB loan only eligible for 140K, still can't afford a 4 rm BTO in a non matured, am i wrong?
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The HDB grant will be determined at the point of application, whereas the HLE loan can be reassessed (closer to the key collection) to qualify for a higher loan amount. Do note that the first HLE is still required for the selection appointment if you want to take a HDB loan.