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Hi! I'm Ann & I booked my flat on Valentines' day this year. ๐ฅฐ
One of the most frequent questions or concerns is..
๐ ๐๐๐ซ๐ ๐ฃ๐ค ๐ข๐ค๐ฃ๐ฉ๐๐ก๐ฎ ๐๐ฃ๐๐ค๐ข๐, ๐๐ค๐ฌ ๐๐๐ฃ ๐ ๐๐๐ฉ ๐๐ง๐๐ฃ๐ฉ๐จ ๐ค๐ง ๐ก๐ค๐๐ฃ๐จ?
The answer to this is โจ ๐๐ฃ๐๐ค๐ข๐ ๐ฟ๐๐๐๐ง๐ข๐๐ฃ๐ฉ โจ.
Income deferment simply means that your eligibility for loans and grants will be assessed near your KEY COLLECTION date. If you're one of the featured combinations in the article by The Financially Independent Pharmacist featured inside Pic 2, congrats! You're under the Income Deferment scheme. ๐ฐ
All you have to do is declare that you're a full-time student / NSman in the application portal. Next, remember to clarify about the documents you're required to bring for your flat booking date! ๐
They will need proof that your student candidature / NS period is still ongoing at your point of application. ๐
Please also remember to bring your HFE letter to your first appointment!
Pic 3 is a document from HDB that provides an overview of the income deferment policy. If one of you is under 21 years old, check out my Lemon8 post on how the procedure goes!
๐๐ฐ๐ต๐ฆ: ๐๐ง ๐ฐ๐ฏ๐ฆ ๐ข๐ฑ๐ฑ๐ญ๐ช๐ค๐ข๐ฏ๐ต ๐ช๐ด ๐ถ๐ฏ๐ฅ๐ฆ๐ณ 21 ๐บ๐ฆ๐ข๐ณ๐ด ๐ฐ๐ญ๐ฅ, ๐ต๐ฉ๐ฆ๐ช๐ณ ๐ฑ๐ข๐ณ๐ฆ๐ฏ๐ต ๐ธ๐ช๐ญ๐ญ ๐ฉ๐ข๐ท๐ฆ ๐ต๐ฐ ๐ด๐ช๐จ๐ฏ ๐ข ๐๐ข๐ณ๐ณ๐ช๐ข๐จ๐ฆ ๐๐ฏ๐ฅ๐ฆ๐ณ๐ต๐ข๐ฌ๐ช๐ฏ๐จ ๐๐ฐ๐ณ๐ฎ.
I also found this helpful link which provides a very comprehensive breakdown into what the HDB Income Deferment is, how it works & how it affects your downpayment. Please read the full thing for more info! Pic 2 does not showcase the full context of the article. ๐
Buying a house is really #Adulting101 and I hope this post helps you out! โจ Feel free to chat with me if you have any questions. ๐๐ฟ