Yes — You are eligible to get a loan as a self-employed person. Being self-employed does not automatically disqualify you from getting an HDB concessionary loan in Singapore. HDB does allow self-employed Singaporeans to apply, as long as you meet the usual eligibility and credit assessment requirements. The main difference is that HDB will scrutinise your income stability more carefully because self-employed income can fluctuate. Here’s what matters most: You must be a Singap

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