Employed Person Assessment is based on average monthly gross income (excluding income earned from overtime work) which includes allowances (fixed/variable) received on a regular basis (e.g. transport, food, laundry, uniform, etc).

Documents to submit:

  • Latest 3 months’ payslips i.e. month of application and preceding 2 months; or
  • Letter from employer (with company stamp/letterhead, name, signature and designation of certifying officer) certifying salaries for the month of application and the preceding 2 months
Note:
Self-Employed Persons Assessment is based on the average monthly gross income for the past 12 monthsDocuments to submit:

Part-Time Worker Assessment is based on the average monthly gross income for the past 12 months

Documents to submit:

  • Latest 12 months’ payslips; or
  • Letter from employer (with company stamp/letterhead, name, signature and designation of certifying officer) certifying salaries for the last 12 months
Commission-Based Persons Assessment is based on the average monthly gross income for the past 12 months

Documents to submit:

  • Latest 12 months’ commission statements/payslips; or
  • Letter from employer (with company stamp/letterhead, name, signature and designation of certifying officer) certifying salaries for the last 12 months
Odd Job Worker Assessment is based on the average monthly gross income for the past 12 months

Documents to submit:

  • Latest NOA from IRAS and
  • Previous years NOA from IRAS
Unemployed Persons Proof of unemployment

  • Statutory Declaration† to declare the employment status or
  • Valid Student Pass

† Note:

  • Applicable to applicants and occupiers between 18 and 62 years old who are unemployed.
  • If the applicants and occupiers are unemployed for fewer than 3 months, the average income will be computed based on the number of actual months he/she has worked.
Statutory Declaration may be executed at the Sales Office at HDB Hub or any HDB Branches. If you are not in Singapore, you can make the Statutory Declaration in the presence of a Commissioner for Oaths or Notary Public in the country of your stay.

HDB may also request for other documents to be submitted other than those listed below.

Income/Allowance Considered

Examples of income / allowance that are considered in the computation of household income are:

  • Pension
  • Stipend
  • Sustenance
  • Allowances (fixed/variable) received on a regular basis (e.g. transport, food, laundry, uniform, etc.)

Income/Allowance Not Considered

Examples of income / allowance that are not considered in the computation of household income are:

  • Rental income
  • Interest from fixed deposit/savings account
  • Alimony allowance (divorce cases)
  • Bonuses
  • Director fees
  • Scholarship overseas allowance
  • Income earned from overtime work
  • National Service Allowance